Shriram Finance Limited · NSE:SHRIRAMFIN
Shriram Finance — Shriram Transport Finance Company — Q1 FY2021 Earnings Presentation
25 slides from Shriram Finance's earnings presentation, Aug 13, 2020
Slide 1: Shriram Transport Finance Company Limited
SHRIRAM Transport Finance Company Limited A WINNING RELATIONSHIP SEC/FILING/BSE-NSE/20-21/68A-B August 13, 2020 BSE Limited National Stock Exchange of India Limited P. J. Towers, Listing Department th Dalal Street, Fort, Exchange Plaza, 55th Floor, Mumbai — Mumbai – 400 400 001. 001. Plot no. C/1, G
Slide 2: Q1 FY2021 Investor Update
tiSHRIRAM l Trariaport Pounce Conpony Linitad A WINNING RELATIONSHIP POW tat. Shriram Transport Finance Company Ltd Q1 FY2021 QI FY2021Investor Investor Update Update August 13, August 13, 2020
Slide 3: COVID-19 Update
tiSHRIRAM Tranaport Finance Company Lenitee A WINNING RELATIONSHIP COVID-19 UPDATE 2
Slide 4: COVID-19 Update
COVID-19 UPDATE liSHRIRAM Tranaport Pmance Company Urnitee A WINNING RELATIONSHIP The pandemic * The pandemic is is aa test test of of our our resolve resolve and andfighting fighting spirit. spirit. We are * We are in in touch touch with with our our borrowers and are are helping helping them t
Slide 5: COVID-19 Update
COVID-19 UPDATE liSHRIRAM Tranaport Pmance Company Urnitee A WINNING RELATIONSHIP haspicked * Business has picked up up in in the the rural rural market market due due to to harvest harvest season season and and subsequent subsequent activities activities of Kharif sowing. * Moratorium to all al
Slide 6: COVID-19 Update
COVID-19 UPDATE liSHRIRAM Tronoport Pmance Company Urnitee A WINNING RELATIONSHIP Company has The Company has considered considered an additional additional Expected Expected Credit Credit Loss Loss (( ECL )) provision provision on account account of COVID – 19 COVID — 956.15 crores 19 of Rs 956.15
Slide 7: Performance Highlights Q1 FY21 vs Q1 FY20
Performance Highlights–Q1 Performance Highlights Q1FY21 FY21 vs vs Q1 Q1 FY20 (as per Ind AS) iiSHRIRAM Tranoport Fmance Company Urnitee A WINNING RELATIONSHIP Q1 FY21 Rs 41,447.0 mn Total TotalIncome Income 111 2.82% Q1 FY20 Rs 40,311.8 mn Q1 FY21 Rs 18,203.5 mn Net Interest Interest Income* 6.51%
Slide 8: Performance Highlights Q1 FY21 vs Q1 FY20
Performance Highlights–Q1 Performance Highlights Q1FY21 FY21 vs vs Q1 Q1 FY20 (as per Ind AS) iiSHRIRAM Tranaport Fmance Company Urnitee A WINNING RELATIONSHIP Q1 FY21 Rs 1,117,563.7 mn AUM 5.09% Q1 FY20 Rs 1,063,434.8 mn Q1 FY21 Rs 89,307.5 mn Gross Stage 3 assets 0.06% 0.06% Q1 FY20 Rs 89,257.4 mn
Slide 9: AUM Break-up (as per Ind AS)
AUM Break-up (as per Ind AS) liSHRIRAM Tronoport Pmance Company Urnitee A WINNING RELATIONSHIP Particulars (Rs. (Rs mn) Q1 FY20 Q4 FY20 Q1 FY21 YoY (%) QoQ (%) FY20 Loan Portfolio - On Books Balance sheet assets 846,514.5 873,971.2 876,987.8 3.60% 0.35% 873,971.2 Securitised assets 197,499.7 211,045
Slide 10: Segment-wise Break up
SHRIRAM Segment-wise Break up li Tranaport ;nonce Company Urnitee A WINNING RELATIONSHIP Working Others, Working Others, Capital 0.04% Capital 0.06% Loans, Loans, 3.28% ■ HCVs and HCVs and 2.72% Business Business CEs, Loans, CEs, 46.13% 46.00% Loans, 2.26% 2.74% Tractors, Tractors, 2.77% 3.38% Q1 FY
Slide 11: Branch & AUM distribution Q1 FY21 vs Q1 FY20
)SHRIRAM Branch & Branch & AUM distribution–Q1 AUMdistribution Q1FY21 FY21 vs vs Q1 Q1 FY20 Tranaport Fmance Company Lonitee A WINNING RELATIONSHIP Branch (Nos) AUM (Rs in bn) Urban, Rural, 914 Rural, 454.0 844 Q1 FY21 Q1 FY21 Total AUM Total Branch 1,758 Urban, Rs 1,117.6 bn 663.6 Rural, 403.5 Rura
Slide 12: Provision Analysis
SHRIRAM Provision Analysis Provision Analysis Tronoport ;nonce Company Urrotee A WINNING RELATIONSHIP Particulars (Rs. mn) Particulars Q1 FY20 Q4 FY20 Q1 FY21 YoY (%) QoQ (%) FY20 Gross Stage 3 89,257.4 91,797.1 89,307.5 0.06% -2.71% 91,797.1 ECL provision-Stage 3 28,405.7 31,886.5 34,429.1 21.20% 7
Slide 13: Well-entrenched Pan India Network
SHRIRAM Well-entrenched Pan India Network Trannport F.nence Lampe, Urrutee A WINNING RELATIONSHIP Zonal Split of Branches ABBREVIATIONS Zone Zone Name ZOADH HYDERABAD ZONE ZORPR, 90 ZORPR, ZOADH, 179 ZODHP DELHI ZONE ZOPUN, 159 ZOPUN, ZOECE RANCHI ZONE RANCH ZONE ZODHP, 48 ZODHP, ZOECE, 97 ZOCHN CHA
Slide 14: P&L Statement
SHRIRAM P&L Statement A WINNING RELATIONSHIP (Rs. mn) Particulars (Rs. Particulars mn Q1 FY20 Q4 FY20 Q1 FY21 (%) YoY (%) YoY (%) QoQ (%) FY20 Interest income 39,867.5 40,949.1 41,051.7 2.97% 0.25% 162,871.2 Interest expended 20,397.3 21,769.9 22,848.2 12.02% 4.95% 83,703.5 Net interest income 19,47
Slide 15: Balance Sheet
SHRIRAM Balance Sheet li Tranaport Pmance Company Urnitee A WINNING RELATIONSHIP Particulars (Rs. Particulars (Rs. mn) Jun-19 Mar-20 Jun-20 YoY (%) YoY (%) QoQ (%) I. ASSETS Financial Assets Financial Assets Cash and cash equivalents equivalents 31,379.3 30,889.9 32,865.8 4.74% 6.40% Bank Balance Ba
Slide 16: Balance Sheet (Continued)
SHRIRAM Balance Sheet (Continued) li Tranaport ;nonce Company Urnitee A WINNING RELATIONSHIP Particulars (Rs. Particulars (Rs. mn) Jun-19 IMF Jun-19 Mar-20 Jun-20 YoY (%) QoQ (%) II. Liabilities Liabilities and and Equity Equity _ Financial Liabilities Derivative financial Derivative financial instr
Slide 17: Key Metrics Q1 FY21
Key Metrics–Q1 Key Metrics Q1 FY21 FY21 liSHRIRAM Tronoport ;nonce Company Urnitee A WINNING RELATIONSHIP P&L Metrics Metrics (Rs. (Rs. mn) Q1 FY20 Q4 FY20 Q1 FY21 YoY (%) QoQ (%) FY20 Interest Income 39,867.5 40,949.1 41,051.7 2.97% 0.25% 162,871.2 Less: Interest Expenses 20,397.3 21,769.9 22,848.2
Slide 18: Borrowing Profile as on June 30, 2020 vs June 30, 2019
Borrowing Profile as on June 30, 2020 vs June 30, 2019 *SHRIRAM Tranoport Fmance Company L.P. A WINNING RELATIONSHIP Rs 952.58 bn Rs 906.05 bn Bonds, Commercial 22.03% • Bonds, Paper, 0.21% 29.93% Borrowings Borrowings in Commercial Borrowings Borrowings in Foreign Paper , 1.77% Foreign Other curren
Slide 19: Borrowing Profile as on June 30, 2020 vs March 31, 2020
Borrowing Profile as on June 30, 2020 vs March 31, 2020 )SHRIRAM Tranoport Fmance Company Looked A WINNING RELATIONSHIP Rs 952.58 bn Rs 943.72 bn Bonds, Commercial Bonds, 22.03% Paper, 0.21% 22.95% • Other Borrowings Borrowings in Borrowing, Foreign Other Borrowing, 2.18% currency, Borrowings in Bor
Slide 20: ALM statement on June 30, 2020
SHRIRAM ALM statement on June 30, 2020 Tronsport Fnance Company Limited A WINNING RELATIONSHIP Over one Over 2 Over 3 Over Over 6 Over one One Over 3 to Over 5 Over (Rs. Bn) Particulars (Rs. Particulars month to months months to months to year to 3 months toto months Total month 5 years years 2 mont
Slide 21: Shareholding Pattern as on June 30, 2020 vs June 30, 2019
Shareholding Pattern as on June 30, 2020 vs June 30, 2019 SHRIRAM * Tranoport Fmance Company L.P. A WINNING RELATIONSHIP No. of shares shares outstanding: outstanding: 226.88 226.88 mn Other Other ' Public, Public , Public, Public , Corporate • Mutal Funds, Body 7.25% Mutal FundsCorporate Funds,Corp
Slide 22: Has Attracted Strong Interest from Quality Investors
SHRIRAM Has Attracted Strong Interest from Quality Investors Tranaport Pmance Company Lerma A WINNING RELATIONSHIP * Consistent Consistent track potential track record record and potential has attracted and high high growth attracted reputed growth reputed institutional institutional and private
Slide 23: For any Investor Relations queries please contact
SHRIRAM Contact Us ii Tranaport Fmance Company Lonitee A WINNING RELATIONSHIP For any Investor Relations queries please contact Sanjay K. Mundra Shriram Transport Transport Finance Co. Ltd Email: smundra@stfc.in Tel. No. Tel. No. +91-22-4095 +91-22-4095 9507 22
Slide 24: About Us
About Us liSHRIRAM Tranaport Pmance Company Urnitee A WINNING RELATIONSHIP About Shriram Transport Finance Co. Ltd. Shriram Transport Shriram Transport Finance FinanceCo Co Ltd. Ltd. is is one one of the largest largest asset asset financing financing NBFC NBFC in India with Assets in India Assets o
Slide 25: Thank You
SHRIRAM Transport Finance Company Limited A WINNING RELATIONSHIP Thank You
Shriram Transport Finance Company — Q1 FY2021 Earnings Presentation on 6ix