#1Our First Home Can Fin Homes Ltd (Sponsor: CANARA BANK) HOME LOANS + DEPOSITS Translating Dreams into Reality ಕ್ಯಾನ್ ಫಿನ್ ಹೋಮ್ಸ್ Investor Presentation 1QFY23 ended June 2022 34 years of vision, passion and progress Offering home loans since 1987..... and it's just a beginning July 2022#2About Us Legacy 34 year old institution registered as a deposit taking HFC with NHB Promoted by Canara Bank in the year 1987, shareholding of 30% 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 (June 2021: 90% of loan book for Housing; 10% Non Housing) To have strong fundamentals with ethical & transparent practices and prudent underwriting • Reach Headquartered in Bangalore Pan-India presence with 167 branches, 21 Affordable Housing Loan Centers & 12 Satellite Offices as on 30/09/2021; spread across 21 States Union Territories. Added 142 branches/ Satellite Offices in the last ten years. www.canfinhomes.com Financials . • Net Interest Income: Rs. 250 Cr Operating Profit: Rs 215 Cr PAT: Rs. 162 Cr • PBT Rs 250 Cr Vision • To increase lending to new home aspirants, enhance value for our stakeholders, uphold our ethics and good corporate governance ROE 20.03% Can Fin Homes Ltd Прален 4 АЗАНА В HEMELEALT DIE HITE 2#3JOURNEY OF CAN FIN HOMES www.canfinhomes.com 1989 11 more branches are added, including New Delhi 1991 Y 1 Loan book crossed Rs. 100 Cr 1987 First branch of CFHL opened at Jayanagar, Bangalore 100th branch at Begur, Bangalore. 1st satellite 2013 office at Yelahanka 2011 41 branches - we started expanding 2015 Best BFSI Award by ET 2021 Edge & Rights issue of CFHL Most Promising Business - mCap over Rs. 1000 Cr 2016 Loan book over Rs. 10000 crore 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 Leader Award to MD, Girish Kousgi Loan book crossed AUM crossed 2019 Rs. 20000 Cr in December 2019 27500 2022 Can Fin Homes Ltd Sponsor: CAR BANK) Ang ಕ್ಯಾನ್ ಫಿನ್ ಹೋಮ್ಸ್ ಲಿ.#4MD's Message www.canfinhomes.com Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. Focusing on our four strategic pillars - Growth, Asset Quality, Profitability and Liquidity, we continue to follow prudent lending practices. We look ahead with renewed hope and enthusiasm as we maintain our credo of friendship finance and be a reliable housing finance partner for people from all sections of society Girish Kousgi Managing Director & CEO 4#5Board of Directors Shri Lingam Venkata Prabhakar Chairman (Promoter) Managing Director & CEO, Canara Bank Shri Girish Kousgi Managing Director & CEO Shri Debashish Mukherjee Director (Promoter) Shri G Naganathan Director (Independent) Shri Amitabh Chatterjee Dy. Managing Director Shri Satish Kumar Kalra Director (Independent) Smt Shubhalakshmi Aamod Panse Director (Independent) Shri Ajai Kumar Director (Independent) www.canfinhomes.com Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. 5#6Digital 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 6 Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LONGS • DEROS FS ಕ್ಯಾಟ್ ಫಿಷ್' ಜೇಮ್ಸ್ ಲಿ.#7PERFORMANCE HIGHLIGHTS - Q1 FY23 Disbursements during the quarter Q1 8. Gross NPA 0.65% & Net NPA 0.30%. 1. increased by 92.68% YOY 9. 2. Loan Book reached Rs. 27538 Cr 84% of fresh loan approvals during FY were for Housing. (+24%) with a clientele base of 2.15 lakh. 3. NII: Rs.250.40 Cr, PBT: Rs. 218.69 Cr and PAT: Rs. 162.22 Cr. 4. NIM: 3.60%, ROAA: 2.41%, 5. RoE: 20.03% and EPS: Rs 12.18 6. Cost to Income Ratio: 15.84 %, 7. DER: 7.84 10. The Salaried and Professional segment constitutes 74% of the outstanding loan book as on June' 22. Housing forms 90% of the Loan Book and NHL, 10%. 11. Average ticket size of incremental housing and non- housing loans is Rs. 21 Lakh and Rs.9 Lakh respectively. www.canfinhomes.com Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. 7#8Performance Highlights- Q1 FY 23 Sequential SI. No. Particulars Amount in Rs. Crore Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. Jun 22 (3m) Mar'22 (3m) Growth% 1 2 3 4 New Approvals Disbursements Outstanding Loan Book Net Interest Income 1751 3018 1722 2705 27538 26711 3.10% 250.40 237.28 5.5% 5 Operating Profit 215.00 194.57 10.50% 6 Provision for Std Asset (11.66) 20.53 Provision for NPA 7.97 9.71 8 Profit Before Tax 218.69 164.33 33.08% 9 Profit After Tax 162.22 122.92 31.97% 10 Gross NPA 179.78 170.59 5.39% 11 Gross NPA Ratio (%) 0.65% 0.64% 12 Net NPA 81.94 80.71 13 Net NPA Ratio(%) 0.30% 0.30% www.canfinhomes.com 8#9Performance Highlights- Q1 FY 23 Amount in Rs. Crore Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tornabatang Dewa Reubely BY FENCE 0. Year on Year SI. Particulars No. Jun 22 (3m) Jun 21 (3m) Growth% 1 2 3 New Approvals Disbursements Outstanding Loan Book 1751 830 111% 1722 893.50 92.68% 27538 22221 23.93% 4 Net Interest Income 250.40 181.16 38.22% 5 Operating Profit 215.00 152.55 40.94% 6 Provision for Std Asset (11.66) 0.63 (1959.24%) 7 Provision for NPA 7.97 5.92 34.63% 8 Profit Before Tax 218.69 146.00 49.79% 6 Profit After Tax 162.22 108.85 49.03% 10 Gross NPA 179.78 199.99 (10.11%) 11 Gross NPA Ratio (%) 0.65% 0.90% 12 Net NPA 81.94 126.49 13 Net NPA Ratio (%) 0.30% 0.57% www.canfinhomes.com 6#10Key Financial Ratios- Q1 FY 23 www.canfinhomes.com Sl. Particulars No. Amount in Rs. Crore Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. PERIOD ENDED Jun 22 (3m) Mar 22 (3m) 1 Return on Avg Assets (Annualised) 2.41% 2.10% 2 Return on Avg Equity (Annualised) 20.03% 16.03% 3 Earning Per Share (Rs.) 12.18 9.23 4 Net Interest Margin (%) 3.60% 4.07% 5 Yield (%) 8.46% 8.11% 6 Cost (%) 5.80% 5.56% 7 Spread (%) 2.66% 2.55% 8 Avg. Business Per Branch (Rs. Crore) 146.48 147.11 9 Avg. Business per Employee (Rs. Crore) 30.83 29.38 10 Cost Income Ratio (%) 15.84% 19.84% 11 DER 7.84 8.04 10#11Key Financial Ratios- Q1 FY 23 www.canfinhomes.com Sl. Particulars No. Amount in Rs. Crore Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. PERIOD ENDED Jun 22 (3m) Jun'21 (3m) 1 Return on Avg Assets (Annualised) 2.41% 1.97% 2 Return on Avg Equity (Annualised) 20.03% 15.97% 3 Earning Per Share (Rs.) 12.18 8.17 4 Net Interest Margin (%) 3.60% 3.30% 5 Yield (%) 8.46% 8.06% 6 Cost (%) 5.80% 5.66% 7 Spread (%) 2.66% 2.40% 8 Avg. Business Per Branch (Rs. Crore) 146.48 119.46 9 Avg. Business per Employee (Rs. Crore) 30.83 25.51 10 Cost Income Ratio (%) 15.84% 16.55% 11 DER 7.84 7.17 11#12Lending Basket CATEGORY-WISE PRODUCT-WISE DISTRIBUTION OF LOAN BOOK SI. No. Particulars 1 Salaried & Professionals Jun-21 O/s Amt. Sep-21 O/s Amt. Dec-21 Mar - 22 O/s Amt. O/s Amt. Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS DEPOSI Tendang Dewa Rombely ಕ್ಯಾಟ್ ಫಿಷ್' ಹೋಮ್ಸ್ ಲಿ. Amount in Rs. Crore Jun - 22 O/s Amt. i) Housing Loans 15079 16124 17132 18205 18767 ii) Top-up Personal Loans 554 625 699 767 795 iii) Mortgage Loans/ Flexilap 465 525 599 663 687 iv) Loans for Sites 147 150 156 164 166 v) Others 30 30 30 52 34 Sub Total 16275 17454 18616 19851 20449 (As a % to total) 73% 74% 74% 74% 74% 2 Non Salaried Class- Self Employed & Non Professionals i) Housing Loans 5024 5171 5415 5732 5917 ii) Top-up Personal Loans 245 258 279 301 306 iii) Mortgage Loans/Flexi Lap 540 568 643 705 722 iv) Loans for Sites 60 61 62 65 66 v) Others 55 54 55 57 57 Sub Total 5924 6112 6454 6860 7068 (As a % to total) 27% 26% 26% 26% 26% 3 Builder Loans 4 1 1 (As a % to total) 0.02% 0.02% 4 Staff Loans 18 18 20 21 21 Grand Total 22221 23585 25091 26711 27538 www.canfinhomes.com#13Funding Basket 11% Funding Mix @ Jun 2022 (as %) 11% 2% Funding Mix @ Jun 2021 (as %) 19% 2% 22% Banks NHB NCD E CPL DEP 54% 7% Cost of borrowings at 5.80% (vs 5.66% in Jun 21 & 5.56% in Mar'22) www.canfinhomes.com 25% Banks NHB NCD CP DEP 47% Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. 13#14Yield, Spread and Cost Yield (%) 8.05% 7.99% 8.11% 8.46% Spread (%) Cost (%) 2.42% 2.49% 2.55% 2.66% 5.57% 5.56% 5.56% Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. 5.80% Q2 FY 21-22 Q3 FY 21-22 Q4 FY 21-22 Q1 FY 22-23 Q2 FY 21-22 Q3 FY 21-22 Q4 FY 21-22 Q1 FY 22-23 Q2 FY 21-22 Q3 FY 21-22 Q4 FY 21-22 Q1 FY 21-22 www.canfinhomes.com 14#15NPA and PCR Gross NPA & Net NPA PCR (%) (Rs.) 0.57 54% 52% 0.47 0.39 45% 0.3 0.3 40% 0.9 0.78 0.71 0.64 0.65 Q1 FY 21-22 Q2 FY 21-22 Q3 FY 21-22 Q4 FY 21-22 Q1 FY 22-23 GNPA Net NPA www.canfinhomes.com Q2 FY 21-22 Q3 FY 21-22 Q4 FY 21-22 Q4 FY 22-23 Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. 15#16Branch Network (187 BRANCHES + 13 SATELLITE OFFICES) Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS DEPOSI Tendang Dewa Reubely ಕ್ಯಾಟ್ ಫಿಷ್ ಹೋಮ್ಸ್ ಲಿ. .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 (28 - 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 (10 branches), Siddipet, Warangal, Karimnagar, Khammam, Mancherial, Nizamabad • Delhi-Nehru Place, Pitampura • Haryana - Gurgaon, Manesar, Sonepat, Faridabad, Dharuhera, Rewari, Karnal, Ambala, Rohtak, Palwal,Gurgoan 2 Chandigarh Jammu & Kashmir Himanchal Pradesh Punjab Uttaranchal Arunachal Pradesh Haryana Delhi Sikkim Rajasthan Uttar Pradesh Assam Bihar Nagaland Manipur Meghalaya Jharkhand Mizoram Chhattisgarh West Bengal Tripura Orrisa Gujarat Madhya Pradesh Goa Maharastra Telangana Andhra Pradesh Karnataka Kelala Tamil Nadu Pondicherry www.canfinhomes.com 16#17AVE 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 17