S. E. Investments Limited
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S. E. Investments Limited. Investor Presentation Q3 FY’ 12. Business Update Investors Update – Jan 12. (Amt in Millions). Year- on - Year (Y-o-Y) Comparison Q3 FY 11-12 Key Financial Highlights ( 9 months ended FY’12 vs 9 months ended FY’11). Quarter - on - Quarter ( Q - o - Q) Comparison) - PowerPoint PPT Presentation
Transcript of S. E. Investments Limited
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S. E. Investments LimitedInvestor PresentationQ3 FY 12
1Year- on - Year (Y-o-Y) ComparisonQ3 FY 11-12 Key Financial Highlights ( 9 months ended FY12 vs 9 months ended FY11)
Business Update Investors Update Jan 12 Q111 Q311(April 11 - Dec 11)Q1 10 Q3 10 (April 10 - Dec 10)Growth (%)Net Revenue1594.881334.3419.53%PBT745.67658.5213.23%PAT531.12527.910.61%(Amt in Millions)Quarter - on - Quarter ( Q - o - Q) Comparison)Q3 FY 11-12 Key Financial Highlights ( Q3 FY12 vs Q3 FY 11) Q3 FY12( Oct11 - Dec11)Q3 FY 11( Oct10 - Dec10)Growth (%)Net Revenue591.29478.9823.45%PBT261.71258.101.40%PAT180.62178.960.93%(Amt in Millions)2As compared to 9 month period of FY 11 Income from Operations is increased by 19.53% at r 1594.88 millions.As compared to 9 month period of FY 11 Profit Before Tax (PBT) is increased by 13.23 % at r745.67 millions.As compared to 9 month period of FY11 Profit After Tax (PAT) is increased by 0.61 % at r 531.12 millions.
Financial Highlights Investors Update Jan 12 3
Operational Highlights Investors Update Jan 12 Total Disbursement is at r 7816.49* millions increased by 4.5 % Total Customer Outreach at 301107 * Including Nupur Finvest Pvt. Ltd. Figures.4
Increased total member base to 301107* lacs Revenue of r159.49 crores for 9M FY 12 ( up 19.53% YoY ) Revenue of r59.13 crores for Q3 FY 12 ( up 23.45% QoQ) PBT of r74.51 crores for 9M FY 12 ( up 13.23% YoY ) PBT of r26.17 crores for Q3 FY 12 ( up 1.40% QoQ ) PAT of r53.11 crores for 9M FY 12 ( up 0.61% YoY ) PAT of r18.06 crores for Q3 FY 12 ( up 0.93% QoQ) Networth of r408.02 crores as at December 31, 2011
Highlights Q3 FY 12 Investors Update Jan 12 5
SEIL methodology and process Investors Update Jan 12 Focus on large clientele of small / medium business, family run enterprises & traders Transactions are based on qualitative & quantitative assessments of the entity Focus on credit history, local knowledge of operating segments & understanding of the performance of the entity Pricing reflective of risk assessment of the client Competitive fast & efficient decision making Quick processing Robust reminder & collection processClient AcquisitionAssessmentFocusApproachDeliveryProducts6
Consolidated Income Statement Investors Update Jan 12
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Nupur Finvest Pvt. Ltd. ( NFPL) Investors Update Jan 12 100 % owned by SEIL. RBI registered NBFC. Credit Rating of CARE A (SO) [ Single A Minus ( Structured Obligation) assigned by CARE Ltd. On 06.09.2011 to the Bank loan facility Total Disbursement for 9M FY 12 r1114.2 millions. Total Customer outreach at 112815 . Total Revenue for 9M FY 12 r 112.93 millions Total PBT for 9M FY 12 r245.72 millions Total PAT for 9M FY 12 r140.05 millions Net worth for 9M FY 12 r522.62 millions
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At a Glance Position of Nupur Finvest Pvt. Ltd. pursuant to main recommendations of Malegam Committee on Microfinance Investors Update Jan 12 S.NoParticularsAs per Sub-Committee ReportAs per NUPUR FINVEST after changes made as per Malegam ReportRemarks1.Criteria for NBFC-MFIHolds not less than 90% of its total assets (other than cash, bank and money market instruments) in the form of Qualifying Assets.Nupur Finvest Pvt. Ltd. Will be considered as NBFC - MFI. Having more than 90% qualifying assets.Ok2.Minimum Net WorthR15 cr.Now the Net Worth has been raised to r52 cr. (as on date).Ok3.Interest CapMax. 26%Existing is below 26%Ok4.Loan SizeIndividual Loan not to exceed r35,000 in first cycle and r50,000 in subsequent cycle. Aggregate of all outstanding loan - r50,000Scheme modified, now the maximum amount of loan restricted to r50,000.Ok5.Purpose of loanLoans for income generation purpose is not less than 75% of total loans given by MFIsFor income generation purpose only.Ok6.Repayment ScheduleWeekly, Fortnightly, Monthly choice is on the borrower.MonthlyOk9
Significant Highlights in Q3 FY 12 Investors Update Jan 12 Rating Update [ Reaffirms the rating on 05.09.2011] CARE Rating: Rated adequate safe CARE A for SEIL Fixed Deposit Programme: Rated adequate safe CARE A for Bank Loan facilities SEIL is registered with RBI, New Delhi as a deposit accepting NBFC
Expansion Policy
SEIL is expanding its domestic footprint in state like Gujarat and Andhra Pradesh.
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Thank You Investors Update Jan 12 Sunil AgarwalManaging [email protected]
Investor Relation [email protected]
