AAVASNSEApril 24, 2025

Aavas Financiers Limited

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Key numbers — 40 extracted
rs,
Mumbai – 400051 Scrip Symbol: AAVAS Dear Sir/Madam, To, BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai – 400001 Scrip Code: 541988 Sub: Investor Presentation on the Audited Finan
100%
ensure sanctity of transactions ▪ In-house Digital app-based technical valuation reports with 100% geo tagging ▪ Independent risk-testing of files by in-house risk containment unit for additional
13%
FY21 FY22 FY23 FY24 FY25 2. Better ability to price risk effectively resulting in yields of ~13% 3. High collection efficiency and low GNPA e m o c t u O s s e n i s u B r o i r e p u S 8
24%
chnology Transformation Outcomes Requests served via App Unique Customer login in App Outcomes +24% 71% 47% 60,000+ 2x 29,000+ Q1FY25 Q4FY25 Q1FY25 Q4FY25 Login to Sanction TAT (Days) 11
71%
ogy Transformation Outcomes Requests served via App Unique Customer login in App Outcomes +24% 71% 47% 60,000+ 2x 29,000+ Q1FY25 Q4FY25 Q1FY25 Q4FY25 Login to Sanction TAT (Days) 11 -36%
47%
ransformation Outcomes Requests served via App Unique Customer login in App Outcomes +24% 71% 47% 60,000+ 2x 29,000+ Q1FY25 Q4FY25 Q1FY25 Q4FY25 Login to Sanction TAT (Days) 11 -36% 8 7
2x
Outcomes Requests served via App Unique Customer login in App Outcomes +24% 71% 47% 60,000+ 2x 29,000+ Q1FY25 Q4FY25 Q1FY25 Q4FY25 Login to Sanction TAT (Days) 11 -36% 8 7 Q4FY23 Q4F
36%
71% 47% 60,000+ 2x 29,000+ Q1FY25 Q4FY25 Q1FY25 Q4FY25 Login to Sanction TAT (Days) 11 -36% 8 7 Q4FY23 Q4FY24 Q4FY25 ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ Scalable enterprise architecture to support
10X
8 7 Q4FY23 Q4FY24 Q4FY25 ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ Scalable enterprise architecture to support 10X+ scale with > 99% business uptime Bank level systems with robust regulatory compliances Automat
99%
Y24 Q4FY25 ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ Scalable enterprise architecture to support 10X+ scale with > 99% business uptime Bank level systems with robust regulatory compliances Automations and in bankin
53%
s customer service This also facilitated, Aavas to become eco-friendly and cut the paper usage by 53% to 49 papers /file, post technology upgrade and we are in advanced stage of transitioning to near
75%
near paperless processes. 21,000+ GenAI Bot Conversations which enabled swift customer serving 75% of Active Loans represented in Customer App Logins 11 Strong Credit Ratings Long-Term Credit Rat
Risks & concerns — 5 flagged
the highest Ensure level of customer privacy and data security by ensuring zero data breaches & fraud risk minimization.
— GAAP
The Board of Directors helps improve corporate credibility and governance standards and manage risk and independent oversight in the Company.
— GAAP
ESG Reporting- The enhancement in ESG risk assessment rating score to 63 from 61 is due to better ESG reporting, the introduction of an ESG policy, the setting of ESG targets and continuous initiatives aimed at meeting those targets.
— GAAP
its commitment to Rating Agencies CRISIL Ratings Rating- Dec’24 61 – Strong Rating- Mar’25 63 – Strong ESG RISK ASSESSMENT 70.62 – Strong 70.62 – Strong MORNINGSTAR* (Sustainalytics) *Note: A lower ESG risk rating indicates better performance.
— GAAP
23.94 – Medium Risk 23.94 – Medium Risk ESG related reports & an independent review of ESG initiatives available on website: https://www.aavas.in/esg-reporting 35 Contact Us For further information, please contact : Aavas Financiers Limited CIN: L65922RJ2011PLC034297 (www.aavas.in) Mr.
— GAAP
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Speaking time
Key Transformation Partners
1
GAAP
1
Opening remarks
Key Transformation Partners
10 Technology Transformation Outcomes Requests served via App Unique Customer login in App Outcomes +24% 71% 47% 60,000+ 2x 29,000+ Q1FY25 Q4FY25 Q1FY25 Q4FY25 Login to Sanction TAT (Days) 11 -36% 8 7 Q4FY23 Q4FY24 Q4FY25 ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ Scalable enterprise architecture to support 10X+ scale with > 99% business uptime Bank level systems with robust regulatory compliances Automations and in banking authorizations leading to reduction in financial risks integrations transaction Continuing our digital capability scale up, the collections made through the customer app has doubled in FY25. Fully integrated systems leading to better visibility, inter team collaborations and seamless customer service This also facilitated, Aavas to become eco-friendly and cut the paper usage by 53% to 49 papers /file, post technology upgrade and we are in advanced stage of transitioning to near paperless processes. 21,000+ GenAI Bot Conversations which enabled swift customer serving 75% of Active Loans repres
GAAP
Adoption of EIR for amortisation of Income and expenses - financial assets at amortised cost / net interest on credit impaired loans (230.7) (193.8) Adoption of EIR for amortisation of expenses - financial liabilities at amortised cost 110.7 75.7 Net gain from excess interest spread on assignment transactions 3,557.6 3,093.7 Expected Credit Loss (ECL) Other Adjustments Deferred Tax impact on above adjustments and reversal of DTL on special reserve and other tax impact (43.7) (293.6) 581.0 (62.2) (235.1) 404.1 Net Worth as per Ind AS 43,608.3 37,733.2 33 Environmental, Social & Governance Pillars for Sustainable Future Robust Corporate Governance Green Planet Nurturing Workplace Create a healthy planet by carbon our reducing footprint, optimizing energy consumption & mitigating climate change. Create a healthy & diverse workplace where is nurtured, recognized & rewarded. talent Responsible Lending Secure Customer Create a positive impact on the environment & society through our responsi
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