HOMEFIRSTNSEQ3FY25December 31, 2024

Home First Finance Company India Limited

9,348words
1turns
0analyst exchanges
0executives
Key numbers — 40 extracted
rs,
SE/NSE/EQ/94/2024-25 To, BSE Limited, Department of Corporate Services, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai- 400001. Scrip Code- 543259 Date: 28-01-2025 To, The National Stock Exch
₹1,19,494
q-o-q Q3FY25 Highlights Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA) ₹1,19,494 Mn ₹11,928 Mn 1.7%(1) In line with RBI circular dated 12 Nov 2021 1.4% prior to such classificat
₹11,928
Highlights Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA) ₹1,19,494 Mn ₹11,928 Mn 1.7%(1) In line with RBI circular dated 12 Nov 2021 1.4% prior to such classification +32.6%
1.7%
Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA) ₹1,19,494 Mn ₹11,928 Mn 1.7%(1) In line with RBI circular dated 12 Nov 2021 1.4% prior to such classification +32.6% +6.4%
1.4%
age 3 / POS (GNPA) ₹1,19,494 Mn ₹11,928 Mn 1.7%(1) In line with RBI circular dated 12 Nov 2021 1.4% prior to such classification +32.6% +6.4% +18.4% +1.4% 0 bps 0 bps Spread(2) 5.2% Opex to
32.6%
1,928 Mn 1.7%(1) In line with RBI circular dated 12 Nov 2021 1.4% prior to such classification +32.6% +6.4% +18.4% +1.4% 0 bps 0 bps Spread(2) 5.2% Opex to Assets 2.6% DPD 30+ / POS 3.1% -
6.4%
1.7%(1) In line with RBI circular dated 12 Nov 2021 1.4% prior to such classification +32.6% +6.4% +18.4% +1.4% 0 bps 0 bps Spread(2) 5.2% Opex to Assets 2.6% DPD 30+ / POS 3.1% -30 bps
18.4%
1) In line with RBI circular dated 12 Nov 2021 1.4% prior to such classification +32.6% +6.4% +18.4% +1.4% 0 bps 0 bps Spread(2) 5.2% Opex to Assets 2.6% DPD 30+ / POS 3.1% -30 bps -10 bps
0 bps
th RBI circular dated 12 Nov 2021 1.4% prior to such classification +32.6% +6.4% +18.4% +1.4% 0 bps 0 bps Spread(2) 5.2% Opex to Assets 2.6% DPD 30+ / POS 3.1% -30 bps -10 bps -30 bps -10
5.2%
Nov 2021 1.4% prior to such classification +32.6% +6.4% +18.4% +1.4% 0 bps 0 bps Spread(2) 5.2% Opex to Assets 2.6% DPD 30+ / POS 3.1% -30 bps -10 bps -30 bps -10 bps +10 bps +30 bps
2.6%
o such classification +32.6% +6.4% +18.4% +1.4% 0 bps 0 bps Spread(2) 5.2% Opex to Assets 2.6% DPD 30+ / POS 3.1% -30 bps -10 bps -30 bps -10 bps +10 bps +30 bps Profit After Tax (PAT)
3.1%
+32.6% +6.4% +18.4% +1.4% 0 bps 0 bps Spread(2) 5.2% Opex to Assets 2.6% DPD 30+ / POS 3.1% -30 bps -10 bps -30 bps -10 bps +10 bps +30 bps Profit After Tax (PAT) Return On Assets (RO
Guidance — 3 items
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opening
“Investor Presentation – Q3 FY25 Strong Governance Structure ESG Work Sustainably & Ethically Governance at core Sustainable Finance Corporate Governance Separate Chairman & Managing Director position We promote Financial Inclusion.”
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opening
“Investor Presentation – Q3 FY25 Strong Governance Practice ESG Corporate Governance Structure • • • • Top-tier Corporate Governance High Independent Directors representation in all Board Committees Highly experience Board & Management Team on Risk Management committee.”
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opening
“Investor Presentation – Q3 FY25 Experienced and Diverse Board Leadership Mr.”
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Risks & concerns — 7 flagged
customer to ESG Risk Rating - Leading ESG score in the BFSI Industry in India.
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Link MorningStar Sustainalytics ESG Risk Rating of 16.2, Low Risk and Strong rating for ESG Risk Management.
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Investor Presentation – Q3 FY25 Strong Governance Practice ESG Corporate Governance Structure • • • • Top-tier Corporate Governance High Independent Directors representation in all Board Committees Highly experience Board & Management Team on Risk Management committee.
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Company's risk management framework is driven by its Board and its subcommittees including the Audit Committee, the Asset Liability Management Committee and the Risk Management Committee.
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“Risk Management Committee” meetings on matters including Operational, Risk oversight, fraud prevention and control.
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(1) Adjusted PAT, Adjusted RoA and Adjusted RoE FY22 is computed considering Adjusted PAT without the impact of one-time deferred tax liability adjustment 37 Home First Finance Company India Ltd.
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Adjusted PAT, ROA and ROE computed excluding the impact of one time deferred tax liability adjustment.
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Speaking time
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1
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Opening remarks
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respond https://homefirstindia.com/policy/complaints-grievances/ complaints. customer to ESG Risk Rating - Leading ESG score in the BFSI Industry in India. S&P Global ESG score of 45. Link MorningStar Sustainalytics ESG Risk Rating of 16.2, Low Risk and Strong rating for ESG Risk Management. Link • The company published its Sustainability Report for the year FY23-24 as part of its Integrated Annual Report. Link: https://homefirstindia.com/files/Sustainability%20Report.pdf. • The Company received a Certificate of Merit in PMAY Empowering India Awards 2022 • Enhanced training measures by implementing training sessions for Prevention of Sexual Harassment (POSH) and Human Safety 22 Home First Finance Company India Ltd. Investor Presentation – Q3 FY25 Strong Governance Structure ESG Work Sustainably & Ethically Governance at core Sustainable Finance Corporate Governance Separate Chairman & Managing Director position We promote Financial Inclusion. We have customers belonging to EWS and LIG
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