Capri Global Capital Limited · NSE:CGCL

Capri Global Capital — Q3 FY2021 Earnings Presentation

20 slides from Capri Global Capital's earnings presentation, Feb 9, 2021

  1. Slide 1: Q3FY21 Earnings Release

    Q3FY21 Earnings Release 09th February 2021 CAPRIGLOBAL 1

  2. Slide 2: Disclaimer

    Disclaimer This presentation is for information purposes only and does not constitute an offer, solicitation or advertisement with respect to the purchase or sale of any security of Capri Global Capital Limited (the “Company”) and no part of it shall form the basis of or be relied upon in connection

  3. Slide 3: Q3FY21 Performance and Key Highlights

    Q3FY21 Performance and Key Highlights CAPRIGLOBAL 3

  4. Slide 4: Q3FY21 Review: Key Performance Highlights

    Q3FY21 Review : Key Performance Highlights Retail loan growth momentum continues 01 MSME loan book grew 5% QoQ and 12% YoY while HL loan book grew 8% QoQ and 16% YoY. Robust Disbursements across MSME and Housing Finance segments 02 Disbursements in MSME grew 82% QoQ and 46% YoY while HL saw growth o

  5. Slide 5: Income Statement: Quarterly Comparison

    Income Statement: Quarterly Comparison Particulars (INR Mn) Q3FY21 Q3FY20 Y-o-Y(%) Q2FY21 Q-o-Q(%) Interest Earned 1,673 1,689 (1%) 1,743 (4%) Interest Expensed 729 703 4% 688 6% Net Interest Income 944 986 (4%) 1,054 (10%) Non-interest Income 242 143 69% 126 92% - Other Operating Income 235 136 73%

  6. Slide 6: Income Statement: 9M Comparison

    Income Statement: 9M Comparison Particulars (INR Mn) 9MFY21 9MFY20 Y-o-Y(%) Interest Earned 5,060 5,046 0% Interest Expensed 2,132 2,115 1% Net Interest Income 2,928 2,931 0% Non-interest Income 442 328 35% - Other Operating Income 434 295 47% - Other Income 8 33 (76%) Total Income 3,369 3,260 3% Op

  7. Slide 7: Balance Sheet

    Balance Sheet Particulars (INR Mn) Q3FY21 Q3FY20 Y-o-Y (%) Q2FY21 Q-o-Q (%) Share Capital 350 350 0% 350 0% Reserves and Surplus 16,536 14,683 13% 16,030 3% Net Worth 16,886 15,033 12% 16,380 3% Borrowings 33,670 25,736 30% 29,566 13% Other Liabilities and Provisions 1,016 962 39% 911 47% Total liab

  8. Slide 8: Q3FY21: Key Highlights

    Q3FY21: Key Highlights AUM Segmental Break Up (INR Mn) Disbursals ( INR Mn) MSME HF CF IRL MSME HF CF 39,451 41,613 40,344 2,020 22,369 2,967 2,082 3,792 21,284 19,936 1,380 1,147 1,110 1,022 10,448 10,034 9,285 8,678 9,176 750 7,772 612 440 360 1,868 389 169 Q3FY20 Q2FY21 Q3FY21 Q3FY20 Q2FY21 Q3FY2

  9. Slide 9: Q3FY21: At a Glance

    Q3FY21: At a Glance Total Income (INR Mn) Net Interest Income (INR Mn) 1,186 1,054 1,180 986 944 1,129 Q3FY20 Q2FY21 Q3FY21 Q3FY20 Q2FY21 Q3FY21 Pre-Provision Operating Profit (INR Mn) PAT (INR Mn) 821 610 764 701 498 492 Q3FY20 Q2FY21 Q3FY21 Q3FY20 Q2FY21 Q3FY21 CAPRIGLOBAL 9

  10. Slide 10: Q3FY21: continued...

    Q3FY21: continued... Yields on AUM (%) Weighted Avg Cost of Funds (%) 17.0 16.9 10.6 16.3 9.4 9.3 Q3FY20 Q2FY21 Q3FY21 Q3FY20 Q2FY21 Q3FY21 Spread (%) NIM (%) 7.5 7.0 10.3 9.9 6.4 9.1 Q3FY20 Q2FY21 Q3FY21 Q3FY20 Q2FY21 Q3FY21 CAPRIGLOBAL 10

  11. Slide 11: Q3FY21: continued...

    Q3FY21: continued... Cost-Income (%) Provision Coverage Ratio (%) * 37.9 35.5 116 30.4 95 45 Q3FY20 Q2FY21 Q3FY21 Q3FY20 Q2FY21 Q3FY21 Gross NPA (%) * Net NPA (%) * MSME + CF + IRL HL Total MSME + CF + IRL HL Total 3.00 1.60 1.53 2.80 1.32 2.50 2.40 2.18 2.08 1.98 1.10 0.94 0.20 0.12 - - - - Q3FY20

  12. Slide 12: Collection Efficiency: EMI Servicing

    Collection Efficiency: EMI Servicing MSME Construction Finance Count POS Count POS 85 84 87 83 83 85 77 76 76 72 78 77 Oct-20 Nov-20 Dec-20 Oct-20 Nov-20 Dec-20 Housing Finance Indirect Retail Lending Count POS 94 Count POS 89 90 87 88 86 100 100 100 100 100 100 Oct-20 Nov-20 Dec-20 Oct-20 Nov-20 De

  13. Slide 13: Improved B/S Position

    Improved B/S Position Book Value Per Share (INR) Capital Adequacy (%) 96.4 39.3 38.0 87.5 34.2 78.7 FY19 FY20 9MFY21 FY19 FY20 9MFY21 Return on Average Assets (Annualized %) Return on Average Equity (Annualized %) 4.2 12.4 3.7 3.7 11.0 10.3 FY19 FY20 9MFY21 FY19 FY20 9MFY21 CAPRIGLOBAL 13

  14. Slide 14: Asset-Liability: No Mismatch

    Asset-Liability: No Mismatch Asset-Liability Mix (INR Mn) 45,533 25,005 22,167 16,667 13,885 8,257 7,768 9,049 4,616 3,327 1,246 3,005 401 331 upto 1 month >1-3 months >3-6 months >6-12 months 1-3 years 3-5 years >5 years Total A ssets Total Liabilities Borrowing Mix 97% 27,687 28,370 33,560 95% 81%

  15. Slide 15: Liquidity Position: Pre-payment of High-Cost Debts

    Liquidity Position: Pre-payment of High-Cost Debts Particulars (INR Mn) CGCL (Standalone) CGHFL Consolidated Dues during FY2020-21 6,004 1,446 7,450 Payment made as per Schedule (A) 1,885 595 2,480 Prepayments made for the year (B) 3,987 710 4,697 Total repayments/prepayments (A+B) 5,872 1,305 7,177

  16. Slide 16: Appendix

    N APPENDIX © CAPRI GLOBAL CAPITAL LIMITED

  17. Slide 17: Business Vertical Update: MSME

    Business Vertical Update : MSME Average Ticket Size (INR Mn) Live Accounts 2.6 14,053 12,578 11,051 1.5 1.6 1.6 6,100 FY18 FY19 FY20 9MFY21 FY18 FY19 FY20 9MFY21 Portfolio Yield (%) GNPA (%) 16.7 16.3 4.0 15.8 13.8 3.2 2.8 2.2 FY18 FY19 FY20 9MFY21 FY18 FY19 FY20 9MFY21 CAPRIGLOBAL 17

  18. Slide 18: Business Vertical Update: Housing Finance

    Business Vertical Update : Housing Finance Average Ticket Size (INR Mn) Live Accounts 1.5 11,250 10,207 1.1 8,637 1.0 1.0 2,621 FY18 FY19 FY20 9MFY21 FY18 FY19 FY20 9MFY21 Portfolio Yield (%) GNPA (%) 14.0 1.21 13.7 13.4 0.94 12.2 0.53 0.13 FY18 FY19 FY20 9MFY21 FY18 FY19 FY20 9MFY21 CAPRIGLOBAL 18

  19. Slide 19: Business Vertical Update: Construction Finance

    Business Vertical Update : Construction Finance Average Ticket Size (INR Mn) No. of Projects 146 99.2 134 114 80 70.2 98 68.2 FY18 FY19 FY20 9MFY21 FY18 FY19 FY20 9MFY21 Portfolio Yield (%) GNPA (%) 18.4 18.5 0.86 17.2 16.8 0.17 0.21 0.14 FY18 FY19 FY20 9MFY21 FY18 FY19 FY20 9MFY21 CAPRIGLOBAL 19

  20. Slide 20: Thank you

    Thank you Ashwarya Gupta ashwarya.gupta@capriglobal.in M:+91 9899301150 Sheetal Khanduja sheetal@GoIndiaAdvisors.com M:+91 9769364166 Rajat Gupta rajat@GoIndiaAdvisors.com M:+91 9971897739 CAPRIGLOBAL 20

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