#1Our First Home Can Fin Homes Ltd (Sponsor: CANARA BANK) HOME LOANS + DEPOSITS Translating Dreams into Reality ಕ್ಯಾನ್ ಫಿನ್ ಹೋಮ್ಸ್ Investor Presentation Q4FY23 35 years of vision, passion and progress Offering home loans since 1987..... and it's just a beginning April 2023#2About Us 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: . Rs. 261.27 Cr Pan-India presence • with 172 branches, 21 Affordable Housing Loan Centers & 12 Satellite Offices as on 31/03/2023; spread across 21 States Union Territories. Added 147 branches/ Satellite Offices in the last ten years. Financials (Q4FY23) Operating Profit: Rs. 221.78 Cr PBT Rs 197.98 Cr Vision • To increase lending to new home aspirants, enhance value for our stakeholders, uphold our ethics and good corporate governance • • PAT: Rs. 165.79 Cr • ROE 17.03 % www.canfinhomes.com Can Fin Homes Ltd Прален 4 АЗАНА В HEMELEALT DIE HITE 2#3JOURNEY OF CAN FIN HOMES www.canfinhomes.com 1989 1987 11 more branches are added, including New Delhi 1991 Y Loan book crossed Rs. 100 Cr First branch of CFHL opened at Jayanagar, Bangalore 100th branch at Begur, Bengaluru. 1st satellite 2013 office at Yelahanka 2011 2015 Rights issue of CFHL - mCap over Rs. 1000 Cr 2016 Loan book over Rs. 10000 Cr 41 branches we started expanding 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 w.e.f 18/03/2023 Smt Shubhalakshmi Aamod Panse Director (Independent) www.canfinhomes.com Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS DEPOSI Tendang Dewa Reubely ಕ್ಯಾಟ್ ಫಿಷ್' ಜೇಮ್ಸ್ ಲಿ. Shri Debashish Mukherjee Director (Promoter) Shri Amitabh Chatterjee Dy. Managing Director Shri Satish Kumar Kalra Director (Independent) Shri Ajai Kumar Director (Independent) Shri Anup Sankar Bhattacharya Director (Independent) Shri Arvind Narayan Yennemadi Director (Independent) 4#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#6Quarterly Highlights • • • • • • Q1 Q2 Q3 Q4 Disbursement Rs.1721.56 Cr Outstanding Rs.27538.12 Cr NII: Rs.250.40 Cr PBT: Rs. 218.69 Cr and PAT: Rs. 162.22 Cr DER:7.84 Gross NPA 0.65 % & Net NPA 0.30 %. Disbursement Rs.2245.05 Cr Outstanding Rs.28822.91 Cr NII: Rs.251.17 Cr PBT: Rs. 202.85 Cr and PAT: Rs. 141.71 Cr DER: 7.93 Gross NPA 0.62 % & Net NPA 0.35 %. . Disbursement Rs.2444 Cr Outstanding Rs.30115 Cr NII: Rs. 251.71 Cr PBT: Rs. 204.52 Cr and PAT: Rs. 151.50 Cr DER: 7.92 Gross NPA 0.60 % & Net NPA 0.30 %. www.canfinhomes.com • Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. Disbursement Rs.2538 Cr Outstanding Rs. 31563 Cr NII: Rs. 261.27 Cr PBT: Rs. 197.98 Cr and PAT: Rs. 165.79 Cr DER: 7.97 Gross NPA 0.55 % & • Net NPA 0.26%. 6#7PERFORMANCE HIGHLIGHTS - FY23 1. Disbursements during the year increased by 8% YOY 2. Loan Book reached Rs. 31563 Cr 3. (+18.16%) with a clientele base of 2.41 lakh. NII: Rs. 1014.55 Cr, PBT: Rs. 824.03 Cr and PAT: Rs. 621.21 Cr. 4. NIM: 3.45%, ROAA: 2.17 % 5. RoE: 17.03 %, EPS: Rs 46.65 6. Cost to Income Ratio: 16.93 % 7. DER: 7.97 8. Gross NPA 0.55% & Net NPA 0.26%. 9. The Salaried and Professional segment constitutes 73 % of the outstanding loan book as on March 23. Housing forms 89% of the Loan Book and NHL, 11%. 10. Average ticket size of incremental housing and non- housing loans is Rs. 25 Lakh and Rs. 8 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- Q4 FY 23 SI. Particulars No. Sequential (As per IND AS) Mar 23 (3m) Amount Rs. in Crore Growth% Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. Dec'22 (3m) 1 2 3 New Approvals Disbursements Outstanding Loan Book 2769 2585 7% 2538 2444 4% 31563 30115 5% 4 Net Interest Income 261.27 251.71 4% 5 Operating Profit 221.78 212.93 4% Provision for Std Asset 24.75 (5.93) 7 Provision for NPA (0.97) 14.35 8 Profit Before Tax 197.98 204.51 (3%) 9 Profit After Tax 165.79 151.50 9% 10 Gross NPA 173.84 181.14 11 Gross NPA Ratio (%) 0.55% 0.60% 12 Net NPA 82.94 89.28 13 Net NPA Ratio (%) 0.26% 0.30% www.canfinhomes.com 8#9Performance Highlights- Q4 FY 23 Amount Rs. in Crore Quarter on Quarter (As per IND AS) Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. SI. No. Particulars Mar'23 (3m) Mar 22 (3m) Growth% 1 New Approvals 2769 3018 (8%) 2 Disbursements 2538 2705 (6%) 3 Outstanding Loan Book 31563 26711 18% Net Interest Income 261.27 237.28 10% 5 Operating Profit 221.78 194.57 14% 6 Provision for Std Asset 24.75 20.53 7 Provision for NPA (0.97) 9.71 8 Profit Before Tax 197.98 164.33 20% 9 Profit After Tax 165.79 112.92 47% 10 10 Gross NPA 173.84 170.59 11 Gross NPA Ratio (%) 0.55% 0.64% 12 13 23 Net NPA 82.94 80.71 Net NPA Ratio (%) 0.26% 0.30% www.canfinhomes.com 6#10Performance Highlights- Q4 FY 23 SI. Particulars No. Amount Rs. in Crore Year on Year (As per IND AS) Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tornabatang Dewa Reubely BY FENCE 0. Mar 23 (12m) Mar'22 (12m) Growth% 1 2 3 New Approvals Disbursements Outstanding Loan Book 9307 8896 5% 8947 8279 8% 31563 26711 18% 4 Net Interest Income 1014.55 816.15 24% 5 Operating Profit 865.79 681.99 27% 6 Provision for Std Asset 40.71 24.65 7 Provision for NPA 1.03 22.29 8 Profit Before Tax 824.03 635.05 30% 6 Profit After Tax 621.21 471.09 32% 10 Gross NPA 173.84 170.59 11 Gross NPA Ratio (%) 0.55% 0.64% 12 Net NPA 82.94 80.71 13 Net NPA Ratio (%) 0.26% 0.30% www.canfinhomes.com 10#11Key Financial Ratios- Q4 FY 23 www.canfinhomes.com Sl. Particulars No. Amount Rs. in Crore PERIOD ENDED Mar'23 (3m) Mar 22 (3m) 1 Return on Avg Assets (Annualised) 2.32% 2.10% 2 Return on Avg Equity (Annualised) 18.18% 16.03% 3 Earning Per Share (Rs.) 12.45 9.23 4 Net Interest Margin (%) 3.37% 4.15% 5 Yield (%) 9.87% 8.11% 6 Cost (%) 7.51% 5.56% 7 Spread (%) 2.36% 2.55% 8 Avg. Business Per Branch (Rs. Crore) 153.96 136.96 9 Avg. Business per Employee (Rs. Crore) 32.36 29.97 10 Cost Income Ratio (%) 18.90% 19.84% 11 DER 7.97 8.04 Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. 11#12Key Financial Ratios- Q4 FY 23 www.canfinhomes.com Sl. Particulars No. Amount Rs. in Crore PERIOD ENDED (SEQUENTIAL) Mar'23 (3m) 2.32% Dec 22 (3m) 1 Return on Avg Assets (Annualised) 2.16% 2 Return on Avg Equity (Annualised) 18.18% 17.30% 3 Earning Per Share (Rs.) 12.45 11.38 4 Net Interest Margin (%) 3.37% 3.47% 5 Yield (%) 9.87% 8.87% 6 Cost (%) 7.51% 6.63% 7 Spread (%) 2.36% 2.24% 8 Avg. Business Per Branch (Rs. Crore) 153.96 146.90 9 Avg. Business per Employee (Rs. Crore) 32.36 32.69 10 Cost Income Ratio (%) 18.90% 17.07% 11 DER 7.97 7.92 Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. 12#13Key Financial Ratios- Q4 FY 23 www.canfinhomes.com Amount Rs. in Crore Year on Year Sl. Particulars No. Mar'23 (12m) Mar 22 (12m) 1 Return on Avg Assets (Annualised) 2.17% 2.01% 2 Return on Avg Equity (Annualised) 17.03% 15.36% 3 Earning Per Share (Rs.) 46.65 35.38 4 Net Interest Margin (%) 3.45% 3.57% 5 Yield (%) 8.99% 8.11% 6 Cost (%) 6.34% 5.56% 7 Spread (%) 2.65% 2.55% 8 Avg. Business Per Branch (Rs. Crore) 156.09 136.08 9 Avg. Business per Employee (Rs. Crore) 33.95 29.97 10 Cost Income Ratio (%) 16.93% 18.32% 11 DER 7.97 8.04 Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. 13#14Lending Basket CATEGORY-WISE PRODUCT-WISE DISTRIBUTION OF LOAN BOOK Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS DEPOSI Tendang Doubely BY FENCE 0. Amount Rs. in Crore Mar - 23 SI. No. Particulars Mar - 22 O/s Amt. Jun - 22 O/s Amt. Sep-22 O/s Amt. Dec-22 O/s Amt. O/s Amt. 1 Salaried & Professionals i) Housing Loans 18205 18767 19562 20256 21071 ii) Top-up Personal Loans 767 795 852 915 960 iii) Mortgage Loans/ Flexilap 663 687 729 774 811 iv) Loans for Sites 164 166 171 177 184 v) Others 52 34 34 37 40 Sub Total 19851 20449 21348 22159 23066 (As a % to total) 74% 74% 74% 74% 73% 2 Non Salaried Class- Self Employed & Non Professionals i) Housing Loans 5732 5917 6228 6613 7050 ii) Top-up Personal Loans 301 306 336 367 397 iii) Mortgage Loans/Flexi Lap 705 722 763 825 893 iv) Loans for Sites 65 66 71 76 v) Others 57 57 56 54 81 56 Sub Total 6860 7068 7454 7935 8477 (As a % to total) 26% 26% 26% 26% 27% 3 Builder Loans (As a % to total) 4 www.canfinhomes.com Staff Loans 21 Grand Total 26711 21 21 27538 28823 21 20 30115 31563 14#15Funding Basket 17.47% Funding Mix @ Mar 2023 (as %) 4.60% 1.50% Funding Mix @ Mar 2022 (as %) 11.17% 1.98% 22.51% Banks NHB NCD E CPL DEP 13.89% 53.92% Cost of borrowings at 6.53% (March 2022 - 5.56%) www.canfinhomes.com 16.05% Banks NHB NCD CP DEP 56.91% Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. 15#16Yield, Spread and Cost (as at the end of each quarter) Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. Yield (%) Spread (%) Cost 8.46% 8.66% 8.63% 2.66% 8.99% 2.65% 2.45% 2.41% 5.80% (%) 6.34% 6.25% 6.19% Q1 FY 22-23 Q2 FY 22-23 Q3 FY 22-23 Q4 FY 22-23 Q1 FY 22-23 Q2 FY 22-23 Q3 FY 22-23 Q4 FY 22-23 Q1 FY 22-23 Q2 FY 22-23 Q3 FY 22-23 Q4 FY 22-23 www.canfinhomes.com 16#17NPA and PCR Gross NPA & Net NPA (%) PCR 0.64 0.65 0.62 0.6 0.55 0.35 0.3 0.3 0.3 0.26 54% 50.70% 43.09% (%) 62.07% Q4 FY 21-22 Q1 FY 22-23 Q2 FY 22-23 Q3 FY 22-23 Q4 FY 22-23 Q1 FY 22-23 Q2 FY 22-23 Q3 FY 22-23 Q4 FY 22-23 Net NPA GNPA www.canfinhomes.com Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. 17#18Branch Network (205 BRANCH 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 (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, 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 18#19AVE 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 19