Tata Capital Housing Finance Limited November 2016
Disclaimer This presentation does not constitute an offer or invitation to subscribe for or purchase any securities and nothing contained herein shall form the basis of any contract or commitment whatsoever. This presentation should not be construed in any manner as promotion of the Company or any of its other products. This presentat ion is being furnished solely for your information and may not be reproduced or redistributed to any other person. Certain statement s contained in this presentation may be statements of future expectations and other forward-looking statements that are based on third party sources and involve known and unknown risks and uncertainties. Forward-looking statements, if any, contained in this presentation regarding past trends or activities should not be taken as a representation that such trends or activit ies will continue in the future. There is no obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. You should not place undue reliance on forward-looking statements, which speak only as of the date of this presentation. The content s of this presentation are subj ect to changes without prior notice. This document is j ust a presentation and is not intended to be a “ Prospectus” (as defined under the Companies Act, 2013). Any decision to purchase securities in the context of a proposed offering of securities, if any, should be made solely on the basis of information contained in a prospectus published in relation to such an offering. The Company does not make any representation or warranty, express or implied, whatsoever, and no reliance shall be placed on, the truth, accuracy, completeness, fairness and reasonableness of the content s of this presentation, which have not been independently verified. This presentation may not be all-inclusive and may not contain all of the information that may be considered material. The Company expressly excludes any liabilit y in respect of the contents of, or any omission from, this presentation. Opinions and est imates constitut e the sole j udgement of the Company as of the date of this presentation and are subj ect to change without notice. By viewing this presentation or by accepting any copy of the slides presented, you agree to be bound by the foregoing limitations. 2
Table of Contents Overview of Tata Group Overview of Tata Capital Tata Capital Housing Finance Limited – Tat a Capit al Housing Finance in numbers – Loan book evolut ion and key milest ones – Target cust omer segment s – Loan book analysis – Dist ribut ion st rat egy – Asset Quality – Borrowing profile and Asset Liabilit y Management – Key financial met rics – Risk Management st ruct ure and pract ices – Board of Direct ors Appendix 3
Overview of Tata Group
Tata Group – One of the most valuable business group in India Overview Group revenues evolution Global business group with products and services in over 150 countries and INR Mn US$ bn leadership in several sectors and 600k+ employees 8,000 103.51 108.78 INR bn Group revenues of US$ 103.51 bn with 67.3% revenues in geographies outside 7,000 103.27 6,776 India 96.8 6,652 6,000 6,248 100.09 5,000 Market capitalization of c.US$ 116.4 bn (India) of 29 listed companies as of 5,270 83.3 4,757 March 31st 2016 4,000 67.4 3,797 62.5 − 8% 3,000 of BSE’ s total market capitalisation 21.9 3,195 14.2 654 2,000 8.9 − 4.1 mn shareholders 2,515 386 291 6 1,000 141 – FY96 FY00 FY04 FY06 FY08 FY10 FY11 FY12 FY13 FY14 FY15 FY16 Largest group companies Tata Motors Tata Chemicals Tata AIA Life Insurance Tata Capital Tata Steel Tata Teleservices Infiniti Retail Taj Hotels Resorts and Palaces Tata Consultancy Services Tata International Trent Tata Sky Tata Power Titan Company Tata AutoComp Systems Tata Proj ects Tata Communications Tata Global Beverages Tata Housing Tata AIG General Insurance Voltas Tata Elxsi 5
Overview of Tata Capital
Tata Capital - Overview Overview Tata Capital is primarily a holding company, holding investments in its subsidiaries Registered as a Core Investment Company with RBI Among top 10 private sector NBFCs by size (1) Trusted and customer centric, one-stop financial solutions partners Caters to the need of retail, corporate and institutional customers directly or through its subsidiaries Headquartered in Mumbai, it has offices in S ingapore and London Offerings B2B offerings B2C offerings Consumer Finance (Asset, Personal Commercial Finance and Rural Finance) Infrastructure Finance Home loans Leasing Solutions Loan Against Property Clean-tech Finance Wealth Products Distribution Private equity Investment Advisory Services Travel, Forex, Cards Not e (1): S ource - ICRA 7
Tata Capital – Corporate structure Tata Sons Limited Tata Capital Limited 90.28% Private equity advisory 100% Tata Capital Limited AUM (Mar-16): INR 438,810 mn CIC ND SI PE Investments Tot al Income (FY16): INR 50,220 mn PAT (FY16): INR 4,050 mn 100% 100% 100% 100% 100% Tata Capital Tata Capital Tata Capital Financial Tata Cleantech Capital Tata Securities Limited Services Limited Limited Housing Finance Limited Pte Limited Singapore RBI NHB RBI SEBI RBI/MAS NBFC offering commercial HFC offering home loans, JV between Tata Capital S EBI registered Category I Corporate finance advisory finance, infrastructure loans against property and (80.5% ) and International Merchant Banker and arm with offices in finance, consumer finance builder loans Finance Corporation Portfolio Management Singapore, UK services (19.5% ) Service (PMS) advisor AUM (Sep-16): INR 152,624 Fund manager for Tat a AUM (Mar-16): INR 284,950 mn Offers end to end business Capital private equity mn solutions (including funds Total Income (FY16): INR Total Income (FY16): INR financing, advisory etc) for 12,655 mn 34,710 mn clean energy proj ects PAT (FY16): INR 1,126 mn PAT (FY16): INR 2,660 mn 8
Who we are! Our Vision Our Promise To be the most admired financial solutions partner. Our Mission We will only do what’s right – For all our stakeholders, including our Employees, customers and society at large. Our Culture Know Knowledge. It is what empowers us to make a difference in the lives of our customers. It is the fuel that will power the engine of innovation . It is what will enhance our ability to predict change and adapt quickly and effectively. So, let us begin each day with a strong desire to know more, for only when we seek to know more, will we strengthen our pursuit towards excellence .` Care Care. It is at the core of all our relationships. It is what forges bonds that endure the test of time. It is about demonstrating humility and understanding towards all. Care is an appreciation of the truth, that in unity and in keeping ‘we’ before ‘me’, we will truly progress. Do Do. It is what separates aspirations from reality. It calls for a heightened sense of responsibility and passion to give our best at all times. And to ‘Do Right’ is a higher calling. It calls for integrity – a constant practice of honesty, transparency and fairness. It calls for courage . So let’s do right, for it is what gives us our unique identity, our unique strength. 9
Tata Capital Housing Finance Limited
Tata Capital Housing Finance in numbers All figures as of H12017 152,624 11,632 15.61% 3.2% AA+ Long term credit Total Loan Book Net worth Capital adequacy NIM Rating (1) Ratio AAA AA+ AA A+ 1,600+ Employees GNP A / NNP A Avg. ticket size RoE / RoA 0.74% / 0.42% 13.26% / 1.07% ~INR 3.2mn Branches in India 72 Not e: 1. Rat ing by CRIS IL as well as ICRA 11
Loan book evolution and key milestones Evolution into a leading player in housing finance Loan book evolut ion (in INR mn) Sector leading growth YoY loan book growth (% ) 50% 43% 43% 20% 16% 15% ISO certification awarded FY2014 FY2015 FY2016 TCHFL All HFCs Mar’16 License awarded in APR ‘09 Book value crosses NHB refinance > INR 100,000 mn INR 10,000 mn – Jul ‘15 CSAI score above competition Book crosses INR 50,000 mn First loan booked in Rural vertical Launched Jun’09 formed Developer loans 152,624 130,046 90,881 63,657 42,370 6,957 908 21,366 FY09 - 10 FY10 - 11 FY11 - 12 FY12 - 13 FY13 - 14 FY14 - 15 FY15 - 16 H1 FY17 Accelerated loan book growth Column1 49 months for first INR 50,000 mn 24 months for next INR 50,000 mn 14 months for next INR 50,000 mn S ource: ICRA, Company financials. HFC: Housing Finance Companies 12
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