Can Fin Homes Ltd. · NSE:CANFINHOME
Can Fin Homes — Q4 FY2021 Earnings Presentation
22 slides from Can Fin Homes's earnings presentation, May 1, 2021
Slide 1: Submission of Investor Presentation - Post Q4 FY21 results
CAN FIN HOMES LTD Registered Office No. 29/1, 1st Floor, M N Krishna Rao Road Basavanagudi, BENGALURU - 560 004 Can Fin Homes Ltd E-mail: compsec@canfinhomes.com (Sponsor: canara. bank.) Tel : 080 26564259 Fax :080 26565746 IS Urans/afing Dreams into !J(eafity Web: www.Cdnfinhomes.com CIN:L85110KA19
Slide 2: Can Fin Homes Ltd. at a Glance
Can Fin Homes Ltd. at a Glance 33 successful years of achieving our Mission and Vision of providing home loans since 1987….. we continue marching on enthusiastically Information to Investors Q4 FY21 ended March 2021
Slide 3: About Us
ABOUT US Legacy Focus Reach Financials Vision • 33 year old • To promote home • Headquartered in • Last Five Year O/s • To continue our institution registered ownership across Bangalore Growth /CAGR mission of providing as a deposit taking India, with a motto (Mar.16 ~ Mar.21) more value to our HFC
Slide 4: Board of Directors
BOARD OF DIRECTORS Shri L V Prabhakar Shri Girish Kousgi Shri Debashish Mukherjee Shri G Naganathan Chairman Managing Director & CEO Director (Promoter) Director (Independent) Shri Shreekant M Bhandiwad Dr. Yeluri Vijayanand Shri Satish Kumar Kalra Smt Shubhalakshmi Panse Deputy Managing Director (P
Slide 5: Journey of Can Fin Homes
JOURNEY OF CAN FIN HOMES Best BFSI 2015 Award by ET 2021 Edge & Most 1989 11 more branches Rights issue of CFHL Promising are added, including – mCap over Business New Delhi 1991 Leader Award Loan book crossed Rs. 1000 Cr to MD, Girish Rs. 100 Cr Kousgi Loan book over 2016 100th branch at Begur, Rs.
Slide 6: Performance Highlights – Q4 FY21
PERFORMANCE HIGHLIGHTS – Q4 FY21 1. 44% growth in Disbursements in Q4 6. RoE: 15.72% and EPS: Rs.7.70. YOY 7. Cost to Income Ratio: 22.26%, 2. Disbursements increased sequentially by 81% in Q4 8. DER: 7.39% 3. Loan Book reached Rs. 22105 Cr (+7%) 9. Gross NPA 0.91% & Net NPA with a clientele base of
Slide 7: Performance Highlights - FY21
PERFORMANCE HIGHLIGHTS - FY21 1. Loan Book reached Rs. 22105 Cr (+7%) 7. Gross NPA 0.91% & Net NPA 0.61%. with a clientele base of 1.70 lakh. 8. 87% of fresh loan approvals during 2. NII: Rs.798 Cr (+18%), PBT: Rs.618 Cr FY were for Housing. (+19%) and PAT: Rs.456 Cr (+21%). 3. NIM: 3.88%, RoAA: 2.1
Slide 8: Can Fin Homes – FY 2021 Fact Sheet
CAN FIN HOMES – FY 2021 FACT SHEET 01 Rs.1101 crore incremental loan 05 87 % of our lending to salaried book in Q4-highest in any quarter category during FY 2020-21 02 06 Consistent Asset Quality Sustainable Key Financial Ratios 03 Focus on HL to Individuals (90% to HL, 07 Consistence in profitabili
Slide 9: Performance Highlights - Q4 FY21
PERFORMANCE HIGHLIGHTS - Q4 FY21 Amount in Rs. Cr As per IND AS As per IND AS Sl. Mar’21 Mar’20 Particulars Mar’21 (3m) Dec’20 (3m) Mar’20 (3m) No. (12m) (12m) 1 New Approvals 2260 1256 1566 4634 5897 2 Disbursements 2001 1106 1394 4346 5,481 3 Outstanding Loan Book 21004 20708 22105 20708 22105 4 I
Slide 10: Performance Highlights - Q4 FY21
PERFORMANCE HIGHLIGHTS - Q4 FY21 Amount in Rs. Cr As per IND AS As per IND AS Sl. Mar’21 Dec’20 Mar’20 Mar’21 Mar’20 Particulars No. (3m) (3m) (3m) (12m) (12m) 14 Profit Before Tax 142.01 177.48 118.92 617.58 518.29 15 Provision for Taxation & DTL 39.44 45.56 28.02 161.52 142.17 16 Profit After Tax
Slide 11: Key Financial Ratios - Q4 FY21
KEY FINANCIAL RATIOS - Q4 FY21 Amount in Rs. Cr Sl. PERIOD ENDED Particulars No. Mar’21 Dec’20 Mar’20 1 Return on Avg Assets (Annualised) 2.18% 2.27% 1.93% 2 Return on Avg Equity (Annualised) 17.47% 18.84% 17.44% 3 Earning Per Share (Rs.) 34.25 26.55 28.25 4 Net Interest Margin (%) 3.88% 3.97% 3.52%
Slide 12: Profit Margins
Profit Margins Gross Profit Margin Net Profit Margin 31% 25% 30% 23% 30% 20% 29% 18% 28% 15% 27% 10% 26% 26% 5% 25% 24% 0% FY 19 - 20 FY 20 - 21 FY 19-20 FY 20-21 Gross Profit Margin Net Profit Margin www.canfinhomes.com 11
Slide 13: Movement of NPA
MOVEMENT OF NPA Amount in Rs. Cr Sl. Particulars Previous Year Current Year No. 1 Movement of NPAs (Gross) Opening balance 114 157 Additions during the year 75 71 Reductions during the year 32 26 Closing balance 157 202 2 Movement of provisions for NPAs Opening balance 34 45 Provisions made during t
Slide 14: Provision Held
Provision Held Amount in Rs Crs Standard Assets 78.38 Non-Performing Assets 67.58 Additional provisioning created earlier for Covid 19* 69.84 Total 215.80 * Residual provision retained by the Company in the Books and not reversed at the year end . www.canfinhomes.com 13
Slide 15: Lending Basket
LENDING BASKET CATEGORY-WISE PRODUCT-WISE DISTRIBUTION OF LOAN BOOK Amount in Rs. Cr Sl . Category/Product Mar-20 Jun-20 Sept-20 Dec-20 Mar-21 No. O/s Amt. O/s Amt. O/s Amt. O/s Amt. O/s Amt. 1 Salaried & Professionals i) Housing Loans 13598 13676 13750 14013 14920 ii) Top-up Personal Loans 486 485
Slide 16: Lending Basket
LENDING BASKET Category wise Lending Mix @ Mar 21(%) Product wise Lending Mix @ Mar 21(%) Mortgage Loans for Staff Loans Loans/Flexi lap 4.58% Sites 1.15% 0.08% Non Salaried Class- Self Employed & Non Others Top-up Personal Professionals 27% 0.50% Loans 3.58% Builder Loans 0.02% Housing Loans 90.09%
Slide 17: Funding Basket
Funding Basket Funding Mix @ March 2021 (as %) Funding Mix @ March 2020 (as %) Rs.18246 cr Rs. 17903 cr Deposits Deposits 2% NHB 2% NHB 18% 21% Banks 51% Market Banks Borrowings 59% Market 21% Borrowings 26% www.canfinhomes.com 16
Slide 18: Balance Sheet Statistics
BALANCE SHEET STATISTICS Amount in Rs. Cr SI.No. Parameters Year 2019-20 Year 2020-21 1 CAPITAL 26.63 26.63 2 RESERVES 2123.43 2583.17 3 NETWORTH (TIER I) 2150.06 2609.81 4 TIER II 189.61 215.87 5 CAR (%) 22.28 25.63 www.canfinhomes.com 17
Slide 19: Credit Ratings
CREDIT RATINGS Rating Institution SI.No. Product M/s. INDIA RATINGS M/s. ICRA LTD M/s. CARE LTD (FITCH) 1 Deposits MAAA -- -- 2 Term Loans (Long) (ICRA) AA+ -- -- 3 Term Loans (Short) (ICRA) A1+ -- -- 4 Secured NCDs (SRNCD) (ICRA) AA+ CARE AAA IND AA/Stable 5 Unsecured NCDs (Tier II Subordinated ) (
Slide 20: Impact of Covid-19
IMPACT OF COVID-19 Covid-19: The COVID-19 pandemic has spread On Liquidity and debt servicing: The Company rapidly throughout the world and has had an has enough liquidity and sufficient unavailed impact on almost all entities either directly or sanctioned limits from banks and financial indirectly.
Slide 21: Branch Network
BRANCH NETWORK (186 BRANCHES + 14 SATELLITE OFFICES) • Punjab – Jalandhar • Odisha – Bhubaneshwar, • Telangana – Hyderabad (10 • Delhi – Nehru Place, Pitampura Berhampur, Jharsuguda branches), Siddipet, Warangal, • Chandigarh Karimnagar, Khammam, • Haryana – Gurgaon, Manesar, • Bihar – Patna Mancher
Slide 22: 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