Sundaram Finance Limited has informed the Exchange regarding Investor Presentation

PERFORMANCE HIGHLIGHTS Q1FY20

Disbursements and AUM

` in Crore % Growth

4500

4000

3500

3000

2500

2000

Disbursements AUM

7.8%

4414

17.8%

4096

15.6%

29977

20.5%

25930

Q1FY19

Q1FY20

30-Jun-2018 30-Jun-2019

31000

27000

23000

19000

15000

11000

AUM - Assets Under Management

Disbursements

Q1FY19

4.7% 3.3%

e s i w

t e s s A

e s i w n o i g e R

5.1% 4.0%

10.7%

Q1FY20

11.4%

27.3%

` 4096 Cr.

53.3%

` 4414 Cr.

57.4%

22.8%

CVs

Cars

Construction Equipment

Tractors

Others

CVs

Cars

Construction Equipment

Tractors

Others

4.3%

12.1%

4.1%

12.2%

19.8%

` 4096 Cr.

63.8%

21.1%

` 4414 Cr.

62.6%

South

North

West

East

South

North West

East

AUM

30-Jun-2018

4.8%

4.4%

5.8%

5.2%

30-Jun-2019

e s i w

t e s s A

e s i w n o i g e R

8.9%

28.8%

` 25930 Cr.

53.1%

9.9%

` 29977 Cr.

53.4%

25.7%

CVs

Cars

Construction Equipment

Tractors

Others

CVs

Cars

Construction Equipment

Tractors

Others

3.6%

13.0%

18.6%

` 25930 Cr.

64.8%

3.5%

12.4%

19.0%

` 29977 Cr.

65.1%

South

North

West

East

South

North West

East

Funding Mix

45.0%

40.0%

35.0%

30.0%

25.0%

20.0%

15.0%

10.0%

5.0%

0.0%

40.7%

39.2%

Total Borrowing

30-Jun-2018

31-Mar-2019

30-Jun-2019

₹ 24489 Cr.

₹ 26673 Cr.

₹ 28586 Cr.

33.7%

25.5%

23.2%

20.4%

20.3%

20.4%

19.2%

11.6%

11.5%

10.9%

14.7%

Debentures

Bank Borrowings *

Securitisation

Deposits

30-Jun-2018

31-Mar-2019

30-Jun-2019

* Includes a) Term loans b) Commercial Papers and demand loans availed from the limits.

5.4%

3.3%

Commercial Paper

Profit & Loss Statement

` in Cr.

FY19

Particulars

3285.98Revenue From Operations

20.56Other Income 3306.54Total Revenue 1766.47Finance cost

537.47Operating expenses 107.33Impairment on financial instruments

2411.27Total Expenses

895.27Profit Before Taxation and exceptional item

592.44Exceptional Item

1487.71Profit Before Taxation (After exceptional Item) 1126.31Profit After Taxation and exceptional item

2.77Other Comprehensive Income (net of taxes) 1129.08Total Comprehensive Income for the period year

Q1FY20

Q1FY19

921.96 3.03 924.99 496.40 146.18 45.90 688.48 236.51

- 236.51 157.53 1.05 158.58

756.62 3.31 759.93 392.21 135.78 19.95 547.94 211.99

- 211.99 140.73 -2.11 138.62

Revenue from Operations is net of depreciation on Operating lease. Finance cost is net of exchange loss/gain on foreign currency borrowing and fair value of corresponding derivative transactions. Exceptional item represents, sale of stake in Royal Sundaram General Insurance Co. Limited (RSGI) to Ageas Insurance International N.V ,The Netherlands in Feb'19.

Balance Sheet

` in Cr.

31-Mar-19Particulars

30-Jun-19

30-Jun-18

EQUITY AND LIABILITIES

25530.90Financial Liabilities

74.46Non Financial Liabilities

5043.81Equity

26940.35 66.07 5203.20

22477.51 77.61 4205.60

30649.17Total - EQUITY AND LIABILITIES

32209.62

26760.72

ASSETS

30079.48Financial Assets

569.69Non Financial Assets

31596.37 613.25

26294.71 466.01

30649.17Total – ASSETS

32209.62

26760.72

Key Ratios

Net worth (Rs in Cr.)

Book value per share (Rs)

5500

454

468

4500

379

Debt Equity

CRAR

19.4%

19.5%

17.0%

500

450

6.0

5.0

400

4.0

3500

2500

1500

500

4206

5044

5203

350

3.0

5.2

5.0

5.1

30-Jun-2018

31-Mar-2019

30-Jun-2019

30-Jun-2018

31-Mar-2019

30-Jun-2019

300

2.0

250

1.0

20.0%

19.0%

18.0%

17.0%

16.0%

15.0%

14.0%

13.0%

12.0%

11.0%

10.0%

Portfolio Quality

Gross NPA %

Net NPA %

1.72%

1.14%

1.33%

0.83%

2.20%

1.63%

3.00%

2.50%

2.00%

1.50%

1.00%

0.50%

0.00%

30-Jun-2018

31-Mar-2019

30-Jun-2019

Gross & Net NPA corresponds to stage 3 assets, calculated as per Expected Credit Loss model under Ind AS.

Branch Network

30-Jun-2019

No. of Branches : 682 (PY Q1 : 638) No. of Employees : 4187 (PY Q1: 3966)

69

45

175

393

South

North West

East

Subsidiaries, Joint Ventures & Associates

Subsidiaries

Joint Ventures

Sundaram Finance Holdings Limited

Sundaram Business Services Limited

Sundaram Asset Management Company Limited

Sundaram Asset Management Singapore Pte. Limited

Sundaram Trustee Company Limited

Sundaram Alternate Assets Limited

LGF Services Limited

Royal Sundaram General Insurance Co. Limited

Sundaram BNP Paribas Home Finance Limited

Sundaram BNP Paribas Fund Services Limited

Associates

Axles India Limited

Turbo Energy Private Limited

Transenergy Limited

Sundaram Dynacast Private Limited

Sundaram Hydraulics Limited

Flometallic India Private Limited

Dunes Oman LLC (FZC)

Consolidated Results

₹ in Crore

1000

800

600

400

200

0

182

Q1FY19

EPS (₹)

16.48

PAT

765 *

FY19

69.47

170

Q1FY20

15.44

* Excludes Exceptional item (sale of stake in Royal Sundaram General Insurance Co. Limited (RSGI) to Ageas Insurance International N.V ,The Netherlands in Feb'19).

Net Worth

5713

6259

6389

7000

6000

5000

4000

3000

2000

1000

30-Jun-18

31-Mar-19

30-Jun-19

Book Value (₹)

518.72

568.29

580.05

Sundaram BNP Paribas Home Finance

31-Mar-19Particulars

2449Disbursements 69%-Housing 31%-Non-Housing 9064AUM 70%-Housing 30%-Non-Housing

146PAT 14.37EPS (₹) 1252Net worth 123.66Book Value (₹)

2.95%Gross NPA # 0.93%Net NPA - As per Ind AS

23.50%CAR #

115Branches 755Employees

# as per prudential norms.

30-Jun-19 607 67% 33% 9250 70% 30%

43 4.22 1295 127.88

3.43% 1.48% 23.60%

115 771

` in Cr.

30-Jun-18 611 65% 35% 8532 69% 31%

42 4.15 1191 117.63

4.34% 2.42% 23.00%

114 763

Royal Sundaram

` in Cr.

31-Mar-19Particulars

30-Jun-19

30-Jun-18

3196Gross Written Premium

113PAT

1102Net worth

108%Combined Operating Ratio

2105Employees

734

4

1109

115%

2205

759

16

962

109%

2026

Sundaram Asset Management

₹ in Cr.

31-Mar-19Particulars

30-Jun-19

30-Jun-18

34,111Average AUM

21,058-Equity

13,053-Debt

29PAT

198Net worth

354Employees

34,068

22,506

11,562

5

185

367

35,060

21,165

13,895

7

178

339

11,87,512Retail Investors

11,82,123

11,42,844

Disclaimer

This document is for information purposes only and is not and does not form part of an invitation/ offer / advertisement / advise to purchase or sell any securities of the Company.

The materials and information contained in the document are prepared by the Company and are correct and accurate, to the best of our knowledge. No information contained herein has been independently verified by anyone else or approved by any regulatory authorities. No warranty is given as to their accuracy and the company does not accept any responsibility and shall not be liable for any direct or indirect loss caused, arising from and/or use of this document.

Forward-looking statements, if any, are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from those contemplated by the relevant statement.

The contents of the website are subject to changes and reviews from time to time without notice. By accessing the site, you are deemed to accept the disclaimer clause.

Shri M Ramaswamy Chief Financial Officer Sundaram Finance Limited 21, Patullos Road Chennai – 600002 Phone(D) Mail

: 044 – 28881341 : m.ramaswamy@sundaramfinance.in

Shri P Viswanathan Secretary & Compliance Officer Sundaram Finance Limited 21, Patullos Road Chennai – 600002 Phone(D) Mail

: 044 – 28881207 : pv@sundaramfinance.in