Mahindra & Mahindra Financial Services Ltd. · NSE:M&MFIN
Mahindra & Mahindra Financial Services — Investor Day (June 2024)
14 slides from Mahindra & Mahindra Financial Services's investor day presentation, Jun 14, 2024
Slide 1: SEBI exchange filing letter for investor meeting presentation
Mahindra & Mahindra Financial Services Ltd. Mahindra Towers, 3rd Floor, Dr. G. M. Bhosale Marg, Worli, Mumbai 400 018 India Tel: +91 22 66526000 14th June 2024 To, BSE Limited, (Scrip Code: 532720) Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai - 400 001 National Stock Exchange of India Ltd.,
Slide 2: Group Investor Meet '24
mahindra™” GROUP INVESTOR _— M T ‘D4 Mahindra Finance GROUP. NVESTOR MEET
Slide 3: Today's agenda: Turbocharging Transformation for Full Potential
Today’s agenda : Turbocharging Transformation for Full Potential CURRENT POSITION EXTERNAL SHIFTS CUSTOMER NEEDS STRATEGY TEAM
Slide 4: An institution with Deep & Broad Roots
An institution with Deep & Broad Roots CUSTOMERS SCALE SOLUTIONS 10M+ 1400+ customers branches 100K Cr WHEELS SME/BL LAP/HL PL AUM - FY24 6000+ 10+ dealers OEMs Insurance FD Mutual Funds
Slide 5: 7 mega trends shaping Indian financial services playbook
7 mega trends shaping Indian financials services playbook Emerging Rising Rise AI & GenAI, Increasing Growing Premium on India ‘Mass’ of Digital & Formalization Financial Governance Opportunity Affluence Ecosystems Tech Inclusion Revolution
Slide 6: Emerging: Large middle-income segment with diverse financial services needs
Emerging: Large middle-income segment with diverse financial services needs Lending products per customer Non-lending financial products Resilience 1% 5% High income 10% Insurance, Mutual Fund, FD, 7-8 High 30% Wealth management Middle 65% income 84% 5-6 Insurance, SIP, FD Medium-High 69% 30% Low in
Slide 7: Opportunity: Financial solutions for the value seeking middle India
Opportunity: Financial solutions for the value seeking middle India - BHARAT BHARAT/ MIDDLE INCOME: ACCESSIBLE 65% HHs TIMELY 75-80% ~80% Non-metro Self employed, agri RIGHT OFFERING TRUST Savvy, Aspirational Source: PLFS (2022-23), CMIE, Census
Slide 8: Bharat ke PAAS, Bharat ke SAATH
Bharat ke PAAS, Bharat ke SAATH PAAS (Near Middle India) SAATH (With Middle India) ACCESSIBLE TIMELY ASSET BASED ASSET LIGHT TRUST RIGHT Branches, Seamless assisted and DIY digital Wheel dominance OFFERING Insurance, FD, Transparency, Smart branches, journeys SME/ BL, HL/ LAP, MF/ SIP, Cards smooth
Slide 9: Bharat ke PAAS, Bharat ke SAATH - Recent progress
Bharat ke PAAS, Bharat ke SAATH - Recent progress PAAS (Near Middle India) SAATH (With Middle India) ACCESSIBLE TIMELY RIGHT OFFERING TRUST 1400+ Branches 10 min - 1 day Sanction TAT Pre-approved offers to each AAA/Stable Rating 3 eligible customers 500+ Smart branches Servicing done via 50% + Digit
Slide 10: Significant improvement and reduced volatility in asset quality in recent years
Significant improvement and reduced volatility in asset quality in recent years GS-3 ASSETS (%) – FY16-24 GS-3 GROSSASSETS STAGE(%) – FY22-24 3 ASSETS (%) 15.5% 12.5% 10.7% 8.2% 8.4% 9.8% 7.7% 3.4% 7.7% 3.4% 2016 2017 2018 2019 2020 2021 2022 2023 2024 2022 2023 2024
Slide 11: Recent Financial Performance
Recent Financial Performance 26% TOTAL SHAREHOLDER RETURN: MMFSL VS PEERS 102 CAGR CAGR CAGR (2005-2015) (2015-2022) (2022-2024 YTD) 65 MMFSL 22%1 1% 34% AUM in ₹ K Cr Peers 10-42% 2-51% 0-48% 2022 2024 Bankex 18% 10% 15% PROFIT (₹ Cr) 989 1,760 Nifty 15% 11% 14% 1. MMFSL TSR is from Mar-06 to Mar-1
Slide 12: Goals to deliver: 2.5% + ROA, 18% ROE
Goals to deliver : 2.5 % + ROA, 18 % ROE Stable Asset Quality Ace CVPs Market Share Returns Maintain <4.5% GS-3 across cycles Top 3 in customer value proposition Maintain 12% market share in wheels Improve RoA to 2.5% + Diversified Portfolio PPC NPS Growth Opex Fee Income 25-30% revenue from Non-whe
Slide 13: The core management team
The core management team SANDEEP VIVEK KARVE MAHESH SHIV KUMAR DEEPA MANISH DEVENDRA GAURAV VEDANARAYANAN ANTHONY SHANTANU MANDREKAR RAJARAMAN NV RANJEET SINHA SHARNAGAT VERMA SESHADRI HEREDIA REGE CBO - Wheels CFO CRO SME & LAP Digital CHRO Data/Analytics Underwriting MD, MIBL CEO - MMIMPL MD & CEO
Slide 14: Bharat ke PAAS Bharat ke SAATH
BHARAT KE PAAS BHARAT KE SAATH
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