th January ed 18 th Board Bo d Pr Presen senta tation tion da dated uary 2017 17 st Dece ded 31 st Quarter rter ended cember mber 2016 16
₹ . In Crores Quarter Ended Financial Snapshot Variance % Dec-15 Dec-16 Disbursement : Hyp Loans 186. 1 271. 0 84. 9 45.6% Other Loans 20. 4 42. 9 22. 5 110.3% Total Disbursements 206. 5 313. 9 107. 4 52.0% AUM at the end of the period 933. 5 *1 111. 2 177. 7 19.0% Average AUM ( Inc. int. accrued) 921. 4 **1 125. 8 204.4 22.2% Total Interest and Fee Income 57. 9 70. 1 12. 2 21.1% Finance Expenses 22. 1 26. 6 4. 4 20.4% Net Interest Income(NII) 35. 8 43. 5 7. 7 21.5% Operating Expenses 22. 2 27. 9 5. 7 25.0% Loan Losses & Provisions 4. 3 5. 7 1. 4 32.6% Profit Before Tax 9. 3 9.9 0. 6 6.5% Profit After Tax 6. 1 6. 4 0. 3 4.9% Ratios Total OPEX to NII 62.0% 64.1% Loan losses & Prov. to Avg. AUM*** 1.9% 2.0% Return on Avg AUM*** 2.6% 2.3% Earning Per Share (In ₹ ) 4. 9 5. 2 * Total AUM including managed portfolio of ₹ 158.0 crs is ₹ 1 269.2 crs ( 36% up) ** Avg AUM including managed Portfolio is ₹ 1 210.5 crs (31%) ***Figures are annualized
₹ . In Crores Quarter Ended Financial Snapshot Variance % Sep-16 Dec-16 Disbursement : Hyp Loans 273. 3 271. 0 -2. 3 -0.8% Other Loans 31. 3 42. 9 11. 6 37.1% Total Disbursements 304. 6 313. 9 9. 3 3.0% AUM at the end of the period* 1 081. 4 1 111. 2 29. 8 2.8% Average AUM ( Inc. int. accrued)** 1 022. 7 1 125. 8 103.1 10.1% Total Interest and Fee Income 70. 1 70. 1 0. 0 0.0% Finance Expenses 26. 4 26. 6 0. 2 0.8% Net Interest Income(NII) 43. 7 43. 5 -0. 2 -0.8% Operating Expenses 27. 2 27. 8 0. 7 2.6% Loan Losses & Provisions 4. 1 5. 7 1.6 39.0% Profit Before Tax 12. 4 9. 9 -2. 5 -20.2% Profit After Tax 8. 1 6. 4 -1. 7 -21.0% Ratios Total OPEX to NII 62.2% 64.1% Loan losses & Prov. to Avg. AUM*** 1.6% 2.0% Return on Avg AUM *** 3.2% 2.3% Earning Per Share (In ₹ ) 6. 5 5. 2 * Total AUM including managed portfolio- Dec’16 – ₹1 269.2 Crs. (Sep’16 - ₹ 1 170.0 Crs) ** Avg AUM including managed Portfolio- Dec’16 - ₹ 1 210.5 crs (Sep’16 - ₹ 1 095.4 Crs) ***Figures are annualized
₹ . In Crores Nine Months Ended Year ended Financial Snapshot Y-o-Y Dec-15 Dec-16 Mar-16 Disbursement : Hyp Loans 545. 4 776. 9 42.5% 780. 0 Other Loans 68. 0 97. 8 43.8% 147. 9 Total Disbursements 613. 4 874. 7 42.6% 927. 9 AUM at the end of the period 933. 5 *1 111. 2 19.0% 1038. 8 Average AUM ( Inc. int. accrued) 892. 9 **1 080. 4 21.0% 882.3 Total Interest and Fee Income 165. 1 204. 4 23.8% 228. 5 Finance Expenses 64. 7 78. 2 20.9% 87. 0 Net Interest Income(NII) 100. 4 126. 2 25.7% 141. 5 Operating Expenses 63. 1 80. 1 26.9% 88. 6 Loan Losses & Provisions 12. 8 16. 8 31.3% 17. 4 Profit Before Tax 24. 5 29. 3 19.6% 35. 4 Profit After Tax 16. 0 19. 0 18.8% 22. 9 Ratios Total OPEX to NII 62.8% 63.5% 62.6% 1.9% 2.1% 2.0% Loan losses & Prov. to Avg. AUM*** 2.4% 2.3% 2.6% Return on Avg AUM*** Earning Per Share (In ₹ ) 12. 8 15. 2 18.3 * Total AUM including managed portfolio of ₹ 158.0 crs is ₹ 1 269.2 crs ( 36% up) ** Avg AUM including managed Portfolio - ₹ 1119.6 crs) (25% up) ***Figures are annualized
₹ . In Crores As At As At Sources Applications 31-Dec-15 31-Mar-16 31-Dec-16 31-Dec-15 31-Mar-16 31-Dec-16 Share Capital 12. 5Fixed assets 12. 5 12. 5 1. 7 1. 8 2. 3 Reserves & Surplus 154. 4Investments 136. 8 135. 4 19. 4 19. 4 24. 7 Bank Borrowings 747. 6Deferred Tax Assets 630. 6 738. 3 5. 1 4. 7 6. 9 Debentures 1. 5 Other Long term Loans & adv. 3. 8 2. 9 0. 5 0. 6 0. 5 Sub Debt 33. 6 Auto Loan 16. 2 16. 3 863. 2 919. 4 957. 9 Public Deposit 116. 6 Loan Buyout 123. 2 109. 6 34. 5 32. 8 9. 3 Loan from Directors 9. 0 13. 6 13. 6 Term Loans 4. 8 65. 3 122. 7 Intercorporate Loan 1. 5 Other Loans 1. 4 1. 4 18. 6 8. 0 8. 1 Interest. Accrued on Loans 11. 8 Interest Accrued on Loans 11. 7 11. 7 12. 4 13. 2 13. 2 Total Borrowings 795. 9 893. 8 926. 2Total Loans 933. 5 1 038. 8 1 111. 2 18.7 Cash and Cash Equivalents Securitization Dues Payable 2. 5 2. 4 1. 9 Unrealised gain on Loan transfer 14. 4Short Term Loans and Adv. 4. 2 3. 9 5.1 Other Liabilities 10. 9 17. 9 24. 8Interest Strip - Securitization 18. 4 Provisions 20. 8Other Assets 13. 8 12. 5 3. 0 0. 6 0. 8 Total Total 969. 9 1 072. 1 1 171.8 969. 9 1 072. 1 1 171. 8
₹ in crores ₹ in crores ₹ in crores ₹ in crores ₹ in crores ₹ in crores In ₹ Disbursements EPS Loan Book Size Revenue PAT NPA** ROA ROE Loan Loss &Prov 15.8 Q3 FY 17 5.7 2.3 313.9 70.1 6.4 5.2 78.1 *1269 -5% -11% 52% 6% 26% 36% 33% 5% 21% 62.2 Q3 FY 16 2.6 16.6 206.5 933.5 4.9 6.1 57.9 4.3 In ₹ ₹ in crores ₹ in crores ₹ in crores ₹ in crores ₹ in crores ₹ in crores Disbursements Loan Book Size EPS ROE Revenue PAT NPA Loan Loss& Prov ROA 9M FY ‘17 19.0 78.1 15.2 18.7 874.7 *1269 204.4 16.8 2.3 43% 36% 24% 31% 19% -4% 24% 19% 26% 9M FY ‘16 613.4 12.8 12.8 2.4 933.5 165.1 16.0 62.2 15.1 **NPA in FY ‘16 based on 5 M norm and in FY ‘17 on 4 M norm * Including managed portfolio
₹ . In Crores Particulars Q2 FY ’16 Q3 FY ‘16 Q4 FY ’16 For FY ‘16 Q1 FY ’17 Q2 FY ’17 Q3 FY ‘17 Unrealized Income 0.3 0.4 - 0.5 3.1 1.3 -0.2 1.2 Loss on sale + Provision for diminution in value of repo. assets 1.5 2.5 3.3 9.1 2.8 3.2 2.5 NPA write off 0 0 3.0 3.0 0 0 0 NPA Provision 1.7 1.7 -2.1 4.0 3.6 1.0 3.1 Total 3.5 4.6 3.7 19.2 7.7 4.0 6.8 Avg AUM 859.3 921.4 949.6 882.3 1 051.0 *1 022.7 *1 125.8 % of Credit cost on Avg AUM 1.6% 2.0% 1.6% 2.2% 2.9% 1.6% 2.4% (annualized) *Average AUM is excluding managed portfolio
₹ .in Crores BRANCH DEALER TOTAL Disbursement % of – Value (%) STATE Q 3 FY ‘16 Q 3 FY ‘17 Q 3 FY ’16 Q 3 FY ‘17 Q 3 FY ’16 Q 3 FY ‘17 Growth (Value) Q3 FY ’17 Count Value Count Value Count Value Count Value Count Value Count Value Andhra Pradesh 133 0.6 122 0.6 3 510 16.7 6 220 29.4 3 643 17.3 6 342 30.0 73.4% 11.1% Goa 5 0.0 7 0.0 121 0.5 81 0.3 126 0.5 88 0.4 -20.0% 0.1% Gujarat 1 280 5.6 1 284 5.5 606 2.6 1 399 6.1 1 886 8.2 2 683 11.7 42.7% 4.3% Karnataka 847 3.8 1 096 4.7 8 046 35.9 8 551 38.0 8 893 39.7 9 647 42.7 7.6% 15.8% Kerala 5 254 25.7 4 615 24.9 11 473 56.9 15 921 85.2 16 727 82.6 20 536 110.1 33.3% 40.6% Maharashtra 18 0.1 7 0.0 1 457 6.1 1 608 7.0 1 475 6.2 1 615 7.0 12.9% 2.6% Tamil Nadu 1 013 4.7 1 398 6.9 4 062 19.0 4 376 20.7 5 075 23.7 5 774 27.5 16.0% 10.2% Telangana 75 0.3 51 0.2 1 694 7.4 2 882 13.2 1 769 7.7 2 933 13.4 74.0% 4.9% North & East 33 0.1 266 1.1 19 0.1 6 290 26.9 52 0.2 6 556 28.1 +++ 10.4% Total 8 658 40.9 8 846 43.9 30 988 145.2 47 328 226.8 39 646 186.1 56 174 270.9 45.6% 100.0% MFL volumes grew 7.3%, Dealer biz grew 56%
₹ .in Crores BUC UCKE KETW TWIS ISE E FLOW OW COLLECTION PERFORMANCE 226 221 203 201 70% 5.1% 186 7.0% 6.9% 9.7% 8.3% 60% 50% 91.7% 90.3% 93.1% 93.0% 94.9% 40% Q3 FY '16 Q4 FY '16 Q1 FY '17 Q2 FY' 17 Q3 FY '17 30% Soft Bucket Hard bucket Coll(> 90 DPD) ₹ .in Crores 20% Q3 FY '16 Q4 FY '16 Q1 FY '17 Q2 FY' 17 Q3 FY '17 10% Soft Bucket 170.9 181.4 188.9 205.9 214.7 Hard bucket 15.5 19.5 13.9 15.3 11.5 0% Total 186.4 200.9 202.8 221.2 226.2 Jul-16 Aug-16 Sep-16 Oct-16 Nov-16 Dec-16 0 1-30 31-60 61-90 91-120 NPA Roll Back
Bucket flow NPA roll Month 0 1 to 30 31 -60 61 -90 91- 120 back Dec’15 3% 29% 40% 42% 38% 6% Jan’16 4% 32% 43% 43% 38% 7% Feb’16 3% 29% 38% 38% 35% 8% Mar’16 2% 23% 26% 29% 31% 6% Apr’16 8% 43% 49% 54% 38% 4% May’16 4% 29% 37% 42% 28% 7% Jun’16 4% 24% 32% 36% 27% 7% Jul’16 4% 27% 34% 37% 26% 7% Aug’16 4% 26% 30% 33% 28% 8% Sep’16 6% 32% 37% 41% 26% 6% Oct’16 5% 27% 31% 36% 27% 6% Nov’16 15% 55% 58% 65% 58% 3% Dec’16 4% 28% 38% 46% 34% 6%
₹ .in Crores Month HYP AUM 30+ 90+ 30+% 90+% PORTFOLIO TREND 01-Jan-16 863.2 151.7 98.1 17.6% 11.4% 01-Feb-16 878.8 150.2 97.3 17.1% 11.1% 01-Mar-16 899.5 148.6 96.8 16.5% 10.8% 01-Apr-16 919.4 138.9 89.7 15.1% 9.8% 01-May-16 937.5 148.2 95.7 15.8% 10.2% 01-Jun-16 952.7 154.0 95.5 16.2% 10.0% 01-Jul-16 970.7 150.0 94.0 15.4% 9.7% 01-Aug-16 985.4 151.0 93.7 15.3% 9.5% 01-Sep-16 1 003.6 150.3 91.0 15.0% 9.1% 30+ 90+ 01-Oct-16 1 043.3 156.4 92.0 15.0% 8.8% 01-Nov-16 1 075.3 158.7 92.5 14.8% 8.6% 01-Dec-16 1 100.5 190.5 103.8 17.3% 9.4% 01-Jan-17 1 116.2 211.8 109.6 19.0% 9.8% Growth 29.3% 39.6% 11.7%
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