Investor Presentaiton
Five-Star Business Finance - At a glance
Scale of
Operations
*57.3bn / 46.4bn
AUM in H1FY23/H1FY22
24% growth Y-o-Y
13.7bn/6.9bn
Amount Disbursed in
H1FY23/H1FY22
Distribution
Granular Book
Asset Quality
Liability Profile
FIVE STAR
Business Finance Limited
Profitability
III
352
Number of Branches
100% Secured
Loan Book
(95% against SORP)
3,662
Business and Collections
Team
*0.29mn
Average ticket size1
%
1.15%
H1FY23
90+ DPD (Gross)
శ
0.64%
H1FY23
90+ DPD (Net)
51
Lender relationships
67.65%
CRAR-Sufficient capital
2.8bn /2.2bn
PAT in H1FY23/H1FY22
30% growth Y-o-Y
%
17.61%
Net Interest Margin5 in
H1FY23
47,476/26,362
Number of Disbursements in
H1FY23/H1FY22
Presence in 8
States across India
(focused on expansion)
www
*40.1bn
Net Worth
100% In-house
Sourcing & Collections
249,272
Live accounts²
0.51%
Q2FY23 Credit Cost to
Average Total Assets4
36.9%
Average LTV³
(As of September 30,
2022)
1.18%
50.15%
Total Restructured Portfolio /
Provision Coverage on
restructured book
Borrowing profile
Fixed rate borrowings of 49%
8.68%
Return on Total Assets in
H1FY23
A+
Long term credit rating by
ICRA and CARE
14.66%
Return on Avg. Equity³ in
H1FY23
Note: 1. Computed by dividing the amount disbursed by the number of loans disbursed for the relevant period; 2. Includes Securitized accounts; 3. Computed by dividing the loan outstanding of a customer divided by the value of the properties mortgaged; 4. Credit Cost to average total assets is computed
as the amount of write off + Impairment Loss Allowance divided by the simple average of our monthly total assets as of the last day of the month starting from the last month of the previous period and ending with the last month of the current period, represented as a percentage; 5. Represents the
Net Interest Income for the period to the average total assets for the period, represented as a percentage; 6. Calculated as Profit after Tax for the period as a percentage of Average Net Worth for the period. 90+ DPD (Gross) represents Stage 3 assets and 90+ DPD (Net) represents Stage 3 assets
reduced by impairment loss allowance on Stage 3 assets.
6View entire presentation