Can Fin Homes Ltd. · NSE:CANFINHOME
Can Fin Homes — Q2 FY2021 Earnings Presentation
15 slides from Can Fin Homes's earnings presentation, Oct 29, 2020
Slide 1: Submission letter to stock exchanges
CAN FIN HOMES LTD Registered Office No, 29/1, 1st Floor, M Krishna Rao Road Basavanagudi, BENGALURU - 560 004 Can Fin Homes Ltd E-mail: compsec@canfinhomes.com (Sponsor: co.NAFt.e. akiwn.) Tel : 080 26564259 Fax :080 26565746 HOME LOANS • DEPOSITS 7ransk/in1 Dream: ink Recday Web: www.canfinhomes.co
Slide 2: Can Fin Homes Limited at a Glance
Can Fin Homes Limited at a Glance 33 years of vision, passion and progress Offering home loans since 1987….. and the journey continues Information to Investors 2QFY21 ended September 2020
Slide 3: About Us
ABOUT US Legacy Focus Reach Financials Vision • 33 year old institution • To promote home • Headquartered in • Last Five Year O/s • To continue our registered as a ownership across Bangalore Growth /CAGR journey with high deposit taking HFC India, with a motto (Mar.15 ~ Mar.20) asset quality, with N
Slide 4: Board of Directors
BOARD OF DIRECTORS Shri Debashish Mukherjee Shri Shreekant M Bhandiwad Shri Lingam Venkata Prabhakar Sri Girish Kousgi Deputy Managing Director Chairman Managing Director & CEO Director (Promoter) (Promoter) Shri G Naganathan Dr. Yeluri Vijayanand Director (Independent) Shri Satish Kumar Kalra Smt S
Slide 5: Performance Highlights – Q2 FY21
PERFORMANCE HIGHLIGHTS – Q2 FY21 Loan Book reached Rs.20830 crore with a clientele base of 1.64 lakh PBT & PAT for Q2FY21 rose by 32% & 31% (Y-o-Y) respectively NIM: 3.89 %, RoA: 2.13 %, RoE: 18.78 % and EPS:16.64 Cost to Income Ratio : 11.56%. Gross NPA & Net NPA stood at 0. 72 % & 0.46 %. 71% of t
Slide 6: Performance Highlights – Q2 FY21
PERFORMANCE HIGHLIGHTS – Q2 FY21 Amount in Rs. Cr Sl. Particulars Sep’20 (3m) Jun’20 (3m) Sep’19 (3m) Sep’20 (6m) Sep’19 (6m) No. 1 New Approvals 851 264 1424 1115 2713 2 Disbursements 825 401 1334 1225 2610 3 Outstanding Loan Book 20830 20,843 19600 20830 19600 4 Interest Income 524.04 522.11 498.4
Slide 7: Performance Highlights – Q2 FY21
PERFORMANCE HIGHLIGHTS – Q2 FY21 Amount in Rs. Cr Sl. Particulars Sep’20 (3m) Jun’20 (3m) Sep’19 (3m) Sep’20 (6m) Sep’19 (6m) No. 13 Profit Before Tax & Provisions 187.15 170.19 137.17 357.34 268.72 14 Provision for SA & NPA 15.10 44.14 6.27 59.24 14.93 15 Profit Before Tax 172.05 126.05 130.89 298.
Slide 8: Key Financial Ratios – Q2 FY21
KEY FINANCIAL RATIOS – Q2 FY21 Amount in Rs. Cr Sl. PERIOD ENDED Particulars No. Sep’20 Jun’20 Sep’19 1 Return on Avg Assets (Annualised) 2.13% 1.80% 1.88% 2 Return on Avg Equity (Annualised) 18.78% 16.55% 19.10% 3 Earning Per Share (Rs.) 16.64 7.00 13.41 4 Net Interest Margin (%) 4.09% 3.70% 3.42%
Slide 9: Lending Basket
LENDING BASKET Category-wise Product-wise Distribution of Loan Book Amount in Rs. Cr Sl . Category/Product Sept-20 Jun-20 Mar-20 Dec-19 Sept-19 No. O/s Amt. O/s Amt. O/s Amt. O/s Amt. O/s Amt. 1 Salaried & Professionals i) Housing Loans 13750 13676 13598 13255 12860 ii) Top-up Personal Loans 482 485
Slide 10: Funding Basket
FUNDING BASKET Funding Mix @ Sep 2020 (as %) Funding Mix @ Sep 2019 (as %) Market Borrowings DEP Market 17% 2% Borrowings 34% Banks NHB 50% 21% Banks 60% NHB 14% DEP 2% Cost of borrowings contained at 7.10 % Sep’20 ( 7.95% in Sep’19,) www.canfinhomes.com 9
Slide 11: Financial Performance
Financial Performance Total Revenue (in Cr) Profit After Tax (in Cr) 528.86 525.81 128.42 106.61 522.50 90.91 93.15 516.79 Dec-19 Mar-20 Jun-20 Sep-20 www.canfinhomes.com 10
Slide 12: Impact of Covid-19
IMPACT OF COVID-19 Covid-19: The COVID-19 pandemic has spread On Profitability: From 24th March till third week of rapidly throughout the world has had an impact May, lending was impacted. However, impact on on almost all entities either directly or indirectly. revenues has been minimum. WHO has dec
Slide 13: Branch Network
BRANCH NETWORK (163 branches + 21 AHLCs + 14 Satellite Offices) • Punjab – Jalandhar • Odisha – Bhubaneshwar, Telangana – Hyderabad (8 • Delhi – Nehru Place, Pitampura Berhampur, Jharsuguda branches), Siddipet, Warangal, • Chandigarh Karimnagar, Khammam, • Haryana – Gurgaon, Manesar, • Bihar – Patna
Slide 14: Strategic Initiatives
STRATEGIC INITIATIVES Reach Network increased from 41 branches as at Mar’11 to 140 at Mar’16 to 198 now (184 Br/AHLCs + 14 SOs) Proposal to add 10 new branches during the year. Focus on Right Product and Right Profile Mix Continued strong focus on Housing Loans / Non-Housing Loans. Focus on lending
Slide 15: Thank You
THANK YOU The forward looking statements and projections, if any, contained in this presentation are predictions and involve known and unknown risks, uncertainties and other factors including the future changes or developments, the competitive environment, ability to implement the strategies and ini