Slide 1: Tata Capital Consolidated Results Update - FY 2020-21
Tata Capital Consolidated Results Update - FY 2020-21
Slide 2: Flagship financial services company of the Tata group
Flagship financial services company of the Tata group ▪ Tata Capital Limited (TCL) has been profitable from its first year of operation in 2007 ▪ TCL is registered with the RBI as a Systemically Important Non-Deposit Accepting Core Investment Company ▪ The Company is rated AAA by all leading Rating
Slide 3: Corporate Structure
Corporate Structure Tata Sons Private Ltd. Tata Capital Ltd. CIC 100% 100% 80.5% 100% 100% 19.5% IFC,W Tata Capital Tata Capital Financial Services Tata Cleantech Tata Securities Tata Capital Pte Private Equity Housing Finance Ltd. Capital Ltd. Ltd. Ltd. (Singapore) Funds Ltd. NBFC Broking and Fund
Slide 4: Business Segments
Business Segments Lending Business Channel Finance, Leasing, Invoice Home Loans, Home Equity, Affordable Discounting, Term Loans, Working Housing Loans Housing SME Capital loans Secured: Loan Against Property, TW, Used Auto, CV/CE, Dealer Funding Term Loans, Structured Finance & Unsecured: Personal
Slide 5: Key Highlights
Key Highlights INR 9,973 crs ~2.4 Mn Net Worth Customers INR 77,219 crs 148 branches Loan Book Pan India Presence INR 4,198 crs Consistently profitable NIM + Fee Income Since inception 1,618 crs Rated AAA Profit Before Tax By CRISIL, ICRA, India Ratings agencies INR 1,126 crs Well-diversified portfo
Slide 6: Disbursals
Disbursals 25% drop in Year on Year disbursements Q4 FY 21 disbursements 5% higher than Q4 FY 20 33,483 25% 9,377 5% 25,261 8,941 FY-20 FY-21 Q4 FY-20 Q4 FY-21 Rs.in crs 6
Slide 7: Financial Statement Summary
Financial Statement Summary Rs. Crs FY - 20 FY -21 Y-o-Y Growth Loan Book 77,610 77,219 Flat book NIM + Fee Income 4,021 4,198 4% Total Cost 1,804 1,704 6% Operating Profits 2,217 2,493 12% Credit Costs & Provisions* 1,581 875 45% Profit Before Tax 636 1,618 154% Profit After Tax 296 1,126 280% * In
Slide 8: Key Metrics
Key Metrics FY - 20 FY -21 Y-o-Y Debt Equity 7.6 6.7 0.9 NIM + Fee 5.3% 5.5% 0.2% Cost to Income ratio 40.3% 35.9% 4.4% Net NPA 0.6% 0.9% 0.3% Provision Coverage 72% 65% 6.0% Ratio Return on Equity 3.4% 12.2% 8.8% 8
Slide 9: Thank You
TATA CAPITAL Thank You