Equitas — Shareholder Meeting (August 2020)
26 slides from Equitas's shareholder meeting presentation, Aug 10, 2020
Slide 1: Intimation to exchanges about AGM presentation
August 10, 2020 The Secretary The Secretary BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers Exchange Plaza Dalal Street Bandra Kurla Complex (BKC) Mumbai – 400001 Bandra (East) Mumbai – 400051 539844 Symbol: EQUITAS Madam/Dear Sirs, Sub: Intimation about Presentation t
Slide 2: 13th Annual General Meeting
13 th Annual General Meeting 10th August, 2020 1
Slide 3: Our Values & Mission
Our Values & Mission equibas customer firs, Mission agen To create the most fh g = € s } valuable bank for all stakeholders through happy employees , ©.
Slide 4: Equitas Small Finance Bank continues to grow
Equitas Small Finance Bank continues to grow… BANKING CUSTOMERS EMPLOYEES OUTLETS 35 LAC 16,106 854 3
Slide 5: Building a comprehensive offering for all banking needs
Building a Comprehensive offering for all banking needs 4
Slide 6: Adopting a 'digital first' approach
Adopting a ‘digital first’ approach 57,000 Selfe Online Mutual Launched Video Savings & FD A/c Funds platform KYC 26 RPA Bots driving Tab sourcing by Digital Employee operational field officers onboarding excellence improving TATs 21 API Libraries driving Digi banking 5
Slide 7: Tackling COVID-19
Equitas Tackling COVID-19
Slide 8: HR Initiatives
HR Initiatives • Virtual On-Boarding • Completed Performance Appraisal • Contributions and Incentive Plough-back • Covid Package • Work from Home Redesign 7
Slide 9: Performance Highlights – FY20 - iGAAP
Performance Highlights – FY20 - iGAAP 8
Slide 10: Driving scalability through consistent growth
Driving scalability through consistent growth 15,367 31% Total Advances under Management grew 11,704 31% YoY. Younger portfolios like MSE Finance & New Commercial Vehicle Finance continued to progress well. FY19 FY20 9
Slide 11: Driving stability through diversification
Driving stability through diversification 5% 1% Our focus is to diversify our product 5% offerings while growing our secured loan 24% portfolio 24% 90% Loans to informal & Semi formal entrepreneurs 41% Micro Finance Small Business Loans Vehicle Finance MSE Finance Unsecured portfolio fell from 29% i
Slide 12: Driving sustainability through retail depositors
Driving sustainability through retail depositors Total Deposits Retail Deposits 10,788 3,811 20% 133% 9,007 1,636 FY19 FY20 FY19 FY20 Our strategy to create a long-term, granular retail liability franchise continues to work well 11
Slide 13: and long term fee income
and long term fee income 14,570 Mutual Fund Customers We enjoy an open architecture where Rs. 101 we distribute schemes from multiple Crores asset management companies and Mutual insurance companies. Through the Fund AUM distribution of these products, we also 31,42,940 ensure to service the needs o
Slide 14: Profitability
Profitability Net Income (Rs. Cr) Total Opex (Rs. Cr) 24% 1,778 17% 1,180 1,435 1,008 FY19 FY20 FY19 FY20 13
Slide 15: Asset Quality Trends
Asset Quality Trends 2.72% 2.53% Despite a challenging environment for 1.66% 1.44% the banking industry as a whole, we have been able to maintain our asset quality at comfortable levels FY19 FY20 NNPA GNPA 14
Slide 16: Profitability
Profitability Profit after Tax (Rs. Cr) ROA & ROE (%) 244 16% 9.84% FY20 211 1.39% 9.85% FY19 1.45% FY19 FY20 ROE ROA 15
Slide 17: Corporate Social Responsibility
Corporate Social Responsibility 16
Slide 18: Social Framework
Pa as equi SOCIAL FRAMEWORK Improve their family income by enabling them to engage in multiple activities Medical interventions Improve their Increase vocational skills Household Income Decrease Food Security Expenditure Mem yceleic lui Enable employment for unemployed youth through job fairs Better
Slide 19: Empowering through inclusion
Empowering through inclusion Placement Cell Health Care Services Educational Initiatives 18
Slide 20: Financial Performance – Q1FY21 - iGAAP
Financial Performance – Q1FY21 - iGAAP 19
Slide 21: Moratorium Update
Moratorium Update As on April 2020 As on June 2020 As on July 2020 Asset Products Opt in % (# Loans) Asset Products +Opt in % Asset Products +Opt in % Micro Finance 99.99% Micro Finance 59% Micro Finance 42% Small Business 87.27% Small Business Loans 42% Small Business Loans 40% Loans New Commercial
Slide 22: Disbursements
Disbursements Products (Rs. Cr) April 30, 2020 May 31, 2020 June 30, 2020 Micro Finance - 19.83 112.10 Small Business Loans (Incl. HF) 4.42 51.86 208.75 Vehicle Finance 0.60 8.81 95.01 MSE Finance 1.53 8.63 26.28 Corporate Finance - - 19 Others 0.95 1.66 4.83 Total Disbursements 7.5 90.79 465.97 Ban
Slide 23: Profitability
Profitability Net Income (Rs. Cr) Total Opex (Rs. Cr) Profit after Tax (Rs. Cr) 9% 434 5% 396 288 274 59 60 Q1FY20 Q1FY21 Q1FY20 Q1FY21 Q1FY20 Q1FY21 22
Slide 24: Ratios
Ratios Asset Quality – GNPA (%) ROA & ROE (%) 2.73% 8.72% Q1FY21 1.20% 2.68% 10.33% Q1FY20 1.46% Q1FY20 Q1FY21 GNPA ROE ROA 23
Slide 25: RBI Monetary Policy
RBI Monetary Policy • No announcement on Moratorium extension • Restructuring of loans made available • Bank offer rescheduling of loans only on a case to case basis based on our credit comfort 24
Slide 26: Thank You
Thank You