#1Can Fin Homes Ltd (Sponsor: CANARA BANK) HOME LOANS DEPOSITS Tennslating Dreams into Reality ಕ್ಯಾನ್ ಫಿನ್ ಹೋಮ್ಸ್ 0. Can Fin Homes Ltd Sponsor: CAR BANK) Ang ಕ್ಯಾನ್ ಫಿನ್ ಹೋಮ್ಸ್ ಲಿ. Investor Presentation Q1FY24 Reinforce Rebuild Reach Higher 35 years of vision, passion and progress Offering home loans since 1987..... and it is just a beginning July 2023#2About Us I. Legacy 35 year old institution registered as a deposit taking HFC with NHB Promoted by Canara Bank in the year 1987, shareholding of 30% approx. Can Fin Homes is a part of the Canara Group Financial Conglomerate led by Canara Bank Listed in 1991. Carries a legacy of an uninterrupted dividend payment since inception Focus To promote home ownership across India, with a motto of friendship finance and good service To focus on Housing loans to Individuals To have strong fundamentals with ethical & transparent practices and prudent underwriting • • Reach Headquartered in Bengaluru • • Net Int Income: . Pan-India presence • Operating Profit: Rs.247.60 Cr with 172 branches, 21 Affordable Housing Loan Centers & 12 Satellite Offices as on 30/06/2023; spread across 21 States Union Territories. Added 147 branches/ Satellite Offices in the last ten years. Financials (Q1FY24) Rs.285.09 Cr PBT Rs 233.90 Cr Vision To increase lending to new home aspirants, enhance value for our stakeholders, uphold our ethics and good corporate governance • • PAT: Rs.183.46 Cr • ROE 19.16% www.canfinhomes.com 2 Can Fin Homes Ltd (Spackel 4 ASAHA BAN#3JOURNEY OF CAN FIN HOMES www.canfinhomes.com 1989 11 more branches are added, including New Delhi 1991 Y Loan book crossed Rs. 100 Cr 1987 First branch of CFHL opened at Jayanagar, Bangalore 2011 100th branch at Begur, Bengaluru. 1st satellite 2013 office at Yelahanka 41 branches we started expanding 2015 Rights issue of CFHL - mCap over Rs. 1000 Cr 2016 Loan book over Rs. 10000 Cr Completed 25 years. 50th branch opened at NCR- Pitampura 2012 Split of equity shares from Rs. 10 each to Rs. 2 each (w.e.f. 13/10/17) 2017 ET Edge Promising Brand Award to Can Fin Homes Ltd. AUM crossed Rs. 20000 Cr in December 2019 2019 2021 Successful completion of 35 Years 2022 Loan book crossed Rs 31500 Cr 2023 Can Fin Homes Ltd Sponsor: CAR BANK) Ang ಕ್ಯಾನ್ ಫಿನ್ ಹೋಮ್ಸ್ ಲಿ.#4Board of Directors Shri K Satyanarayana Raju Chairman (Promoter) w.e.f 26/04/2023 Shri Suresh S lyer Managing Director & CEO Shri Debashish Mukherjee Director (Promoter) Smt Shubhalakshmi Aamod Panse Shri Arvind Narayan Yennemadi Director (Independent) www.canfinhomes.com Director (Independent) Shri Anup Sankar Bhattacharya Shri Murali Ramaswami Director (Independent) Director (Independent) Shri Ajai Kumar Director (Independent) Shri Ajay Kumar Singh Deputy Managing Director (w.e.f. June 19, 2023) Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Doubely ಕ್ಯಾಟ್ ಫಿಷ್' ಜೇಮ್ಸ್ ಲಿ.#5Digital Transformation In order to ensure uninterrupted services to our customers, even during challenging times like today, we leveraged various advanced digital tools and technologies. These enabled us to reach more customers, across the length and breadth of the country, improve our efficiency and tide through challenges despite difficulties. Our digital focus areas: Providing personalized and seamless services to our customers across the country Creating a digital financial services bouquet in collaboration with some of the nation's leading technological support providers Automation and digitisation of processes to make things simpler, faster and user-friendly Building robust and secure digital capabilities across platforms to prevent frauds and ensure customer data protection C www.canfinhomes.com Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LONGS • DEROS FS ಕ್ಯಾಟ್ ಫಿಷ್' ಜೇಮ್ಸ್ ಲಿ. 5#6PERFORMANCE HIGHLIGHTS - Q1FY24 2. Disbursements during the quarter increased by 14% YOY. Loan Book reached Rs. 32505 Cr (+18% YoY) with a clientele base of 2.46 lakh. 3. NII: Rs. 285 Cr, PBT: Rs.234 Cr and PAT: 4. Rs.183 Cr. NIM: 3.48%, ROAA: 2.19% 5. RoE: 19.16%, EPS: Rs. 13.78 8. Gross NPA 0.63% & Net NPA 0.34%. 9. The Salaried and Professional segment constitutes 73% of the outstanding loan book as on June 23. Housing forms 89% of the Loan Book including CRE and NHL 11%. 10. Average ticket size of incremental housing and non- housing loans is Rs.22 Lakh and Rs.8 Lakh respectively. 6. Cost to Income Ratio: 14.94% 7. DER: 7.81 www.canfinhomes.com 6 Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0.#7Performance Highlights- Q1FY24 SI. No. Particulars Amount Rs. in Crore Year on Year (As per IND AS) Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. Jun 23 (3m) Jun 22 (3m) Growth% 1 2 3 New Approvals Disbursements Outstanding Loan Book 2,071 1,751 18% 1,966 1,722 14% 32,505 27,538 18% 4 Net Interest Income 285.09 250.40 14% 5 Operating Profit 247.60 215.00 15% 6 Provision for Std Asset 9.04 (11.66) 7 Provision for NPA 4.66 7.97 8 Profit Before Tax 233.90 218.69 13% 9 Profit After Tax 183.46 162.22 13% 10 Gross NPA 205.18 179.78 14% 11 Gross NPA Ratio (%) 0.63% 0.65% 12 Net NPA 109.61* 81.94 13 Net NPA Ratio (%) 0.34%* 0.30% *Excluding Management overlay of Rs.17 crore www.canfinhomes.com 7#8Performance Highlights- Q1FY24 Amount Rs. in Crore Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. SI. No. Particulars Sequential (As per IND AS) Jun 23 (3m) Mar 23 (3m) Growth% 3 New Approvals Disbursements Outstanding Loan Book 2,071 2,769 -25% 1,966 2,538 -23% 32,505 31,563 3% 4 Net Interest Income 285.09 261.27 9% 5 Operating Profit 247.60 221.78 11% Provision for Std Asset 9.04 24.75 -63% 7 Provision for NPA 4.66 (0.97) 8 Profit Before Tax 233.90 197.98 18% 9 Profit After Tax 183.46 165.79 11% 10 Gross NPA 205.18 173.84 11 Gross NPA Ratio (%) 0.63% 0.55% 12 Net NPA 109.61* 82.94 13 Net NPA Ratio (%) 0.34%* 0.26% *Excluding Management overlay of Rs.17 crore www.canfinhomes.com 8#9Key Financial Ratios- Q1FY24 SI. Particulars No. Amount Rs. in Crore PERIOD ENDED Jun 23 (3m) Jun'22 (3m) Return on Avg Assets (Annualised) 2 Return on Avg Equity (Annualised) 3 Earning Per Share (Rs.) 4 Net Interest Margin (%) 5 Yield on Loan Portfolio (%) 2.19% 2.41% 19.16% 20.03% 13.78 12.18 3.48% 3.60% 9.84% 8.46% 6 10 Cost (%) 7.32% 5.80% 7 Spread (%) 2.52% 2.66% 8 Avg. Business Per Branch (Rs. Crore) 160.40 146.48 9 Avg. Business per Employee (Rs. Crore) 33.87 30.83 10 Cost Income Ratio (%) 14.94% 15.84% 11 DER 7.81 7.84 www.canfinhomes.com Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. 6#10Key Financial Ratios- Q1FY24 www.canfinhomes.com SI. Particulars No. Amount Rs. in Crore PERIOD ENDED (SEQUENTIAL) Jun'23 (3m) 2.19% Mar 23 (3m) 1 Return on Avg Assets (Annualised) 2.32% 2 Return on Avg Equity (Annualised) 19.16% 18.18% 3 Earning Per Share (Rs.) 13.78 12.45 4 Net Interest Margin (%) 3.48% 3.37% 5 Yield on Loan Portfolio (%) 9.84% 9.87% 6 Cost (%) 7.32% 7.51% 7 Spread (%) 2.52% 2.36% 8 Avg. Business Per Branch (Rs. Crore) 160.40 153.96 9 Avg. Business per Employee (Rs. Crore) 33.87 32.36 10 Cost Income Ratio (%) 14.94% 18.90% 11 DER 7.81 7.97 Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. 10#11Lending Basket CATEGORY-WISE PRODUCT-WISE DISTRIBUTION OF LOAN BOOK Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Rombely ಕ್ಯಾಟ್ ಫಿಷ್' ಹೋಮ್ಸ್ ಲಿ. Amount Rs. in Crore Sl. No. Particulars Jun - 22 O/s Amt. Sep-22 O/s Amt. Dec - 22 O/s Amt. Mar - 23 O/s Amt. Jun - 23 0/s Amt 1 Salaried & Professionals i) Housing Loans 18767 19562 20256 21071 21602 ii) Top-up Personal Loans 795 852 915 960 990 iii) Mortgage Loans/ Flexilap 687 729 774 811 829 iv) Loans for Sites 166 171 177 184 182 v) Others 34 34 37 40 41 Sub Total 20449 21348 22159 23066 23644 (As a % to total) 74% 74% 74% 73% 73% 2 Non Salaried Class- Self Employed & Non Professionals i) Housing Loans 5917 6228 6613 7050 7357 ii) Top-up Personal Loans 306 336 367 397 415 iii) Mortgage Loans/Flexi Lap 722 763 825 893 929 iv) Loans for Sites 66 71 76 81 84 v) Others 57 56 54 56 55 Sub Total 7068 7454 7935 8477 8840 (As a % to total) 26% 26% 26% 27% 27% 3 Builder Loans (As a % to total) 4 www.canfinhomes.com Staff Loans 21 21 Grand Total 27538 28823 21 30115 20 21 31563 32505 11#12Funding Basket Funding Mix @ Jun 2023 (as %) 7% 1% Funding Mix @ Jun 2022 (as %) 11% 2% 16% 22% Banks NHB NCD E CPL DEP 11% 54% Cost of borrowings at 7.32% (5.80% in June '22 & 6.34% in March (23) www.canfinhomes.com 22% Banks NHB NCD CP DEP 54% Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. ་་#13Yield, Cost and Spread (at the end of each quarter) Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. Yield (%) Cost 9.87% 9.84% 6.48% 9.02% 5.80% 8.46% 8.11% 5.56% Q1 FY 22- Q2 FY 22- Q3 FY 22- Q4 FY 22- Q1 FY 23- 23 23 23 23 24 www.canfinhomes.com (%) Spread 7.51% 2.66% 7.32% (%) 2.55% 2.55% 2.52% 2.36% 23 Q1 FY 22- Q2 FY 22- 23 Q3 FY 22- 23 Q4 FY 22- 23 Q1 FY 23- Q1 FY 22- 23 Q2 FY 22- Q3 FY 22- 23 23 Q4 FY 22- Q1 FY 23- 23 24 24 13#14NPA and PCR PCR Gross NPA & Net NPA (%) 54% 0.65 0.62 0.63 0.6 0.55 0.35 0.34 0.3 0.3 0.26 Q1 FY 22-23 Q2 FY 22-23 Q3 FY 22-23 Q4 FY 22-23 Q1 FY 23-24 www.canfinhomes.com Net NPA GNPA 43.39% Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. (%) 52.29% 50.71% 46.58% Q1 FY 22-23 Q2 FY 22-23 Q3 FY 22-23 Q4 FY 22-23 Q1 FY 23-24 14#15Branch Network (205 BRANCH OFFICES) .Punjab-Jalandhar • Chandigarh • Rajasthan - Alwar, Jaipur, Mansarovar, Kota, Udaipur, Ajmer, Jodhpur, Jhotwara, Jagatpura, Bhilwara • Gujarat - Ahmedabad, Vadodara, Surat, Rajkot, Jamnagar, Bhavnagar •MP-Bhopal, Gwalior, Indore, Mandideep, Jobalpur, Pithampur, Sagar, Rewa • Chhattisgarh - Raipur, Bilaspur, Bhilai • Maharashtra - Kolhapur, Navi Mumbai, Mumbai, Nagpur, Panvel, Kalyan, Pune, Nashik, Boisar, Chakan, Hinjewadi, Aurangabad, Solapur - . Karnataka Bengaluru (30 branches), Belgaum, Davanagere, Hubli, Mysore, Mangalore, Mandya, Shimoga, Tumkur, Udupi, Hassan, Dharwad, Ballari, Haveri, Hoskote, Kalaburagi, • Kerala - Calicut, Kochi, Thiruvananthapuram, Thrissur, Shoranur, Neyyattinkara Odisha - Bhubaneshwar, Berhampur, Jharsuguda Bihar Patna Tamilnadu Hosur, Chennai (9 branches), Madurai, Namakkal, Trichy, Coimbatore, Salem, Erode, Vellore, Thiruchengode, Dindigul, Karur, Virudhunagar, Tirunelveli, CBE-P N Palyam, Tirupur, Kumbakonam, Thoothkudi, Gobichettipalayam, Thirumangalam, Batlagundu, Theni, Thanjavur, Pollachi • Goa • Pondicherry • • West Bengal - Durgapur Uttar Pradesh - Lucknow, Meerut, Noida, Greater Noida, Agra, Varanasi, Allahabad, Kanpur, Ghaziabad, Jhansi Uttarakhand - Dehradun, Haridwar Andhra Pradesh - Bhimavaram, Kadapa, Nellore, Ongole, Tirupathi, Guntur, Kakinada, Vizag, Vijaywada, Vizag - Steel Plant, Rajahmundry, Kumool, Vizianagaram, Gollapudi, Tenali, Eluru, Mangalagiri, Srikakulam • Telangana - Hyderabad (13 branches), Siddipet, Warangal, Karimnagar, Khammam, Mancherial, Nizamabad • Delhi-Nehru Place, Pitampura • Haryana - Gurgaon (2), Manesar, Sonepat, Faridabad, Dharuhera, Rewari, Karnal, Ambala, Rohtak, Palwal www.canfinhomes.com Jammu & Kashmir Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS DEPOSI Tendang Dewa Reubely ಕ್ಯಾಟ್ ಫಿಷ್ ಹೋಮ್ಸ್ ಲಿ. Chandigarh Himanchal Pradesh Punjab Uttaranchal Arunachal Pradesh Haryana Delhi Sikkim Rajasthan Uttar Pradesh Assam Bihar Nagaland Manipur Meghalaya Jharkhand Mizoram Gujarat Madhya Pradesh Chhattisgarh West Bengal Tripura Orrisa Goa Maharastra Telangana Andhra Pradesh Karnataka Kelala Tamil Nadu Pondicherry 15#16AVE A HOME A CANI FIN HOME Can Fin Homes Ltd (Sponsor: CANARA BANK) HOME LOANS DEPOSITS Translating Dreams into Reality ಕ್ಯಾನ್ ಫಿನ್ ಹೋಮ್ ಲಿ. THANK YOU Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. The forward looking statements and projections, if any, contained in this presentation are predictions and involve known and unknown risks, uncertainties and other factors including the future changes or developments, the competitive environment, ability to implement the strategies and initiatives, technological changes, political, economic, regulatory and social conditions in India etc. that may cause the actual results, performance and achievements of CFHL to be materially different from any future results, performance or achievements expressed or implied by such forward looking statements or other projections. www.canfinhomes.com 16