Sundaram Finance Limited has informed the Exchange regarding Investor Presentation

PERFORMANCE HIGHLIGHTS H1FY20

Sundaram Finance Limited (SFL) acquired 49% stake in Sundaram Fund Services Limited (erstwhile Sundaram BNP

Paribas Fund Services Limited) and 49.9% stake in Sundaram BNP Paribas Home Finance Limited on 31st July 2019 and

30th September 2019 respectively, making them 100% subsidiaries of SFL.

SFL has elected to exercise the option of a lower tax rate provided under section 115 BBA of the Income Tax Act, 1961,

as introduced by the taxation laws (Amendment) Ordinance, 2019 dated 20th September 2019. Accordingly, SFL has

recognised provision for Income tax for the half year ended 30th September 2019 and remeasured its deferred tax

Assets/Liabilities.

Disbursements and AUM

` in Crore % Growth

Disbursements AUM

15.4%

8374

-1.5%

8246

8000 7000 6000 5000 4000 3000 2000

19.4%

11.1%

27228

30256

35000 31000 27000 23000 19000 15000 11000

H1FY19

H1FY20

30-Sep-2018 30-Sep-2019

AUM - Assets Under Management

Disbursements

H1FY19

4.8%

4.1%

4.9%

5.3%

H1FY20

e s i w

t e s s A

e s i w n o i g e R

10.9%

26.4%

` 8374 Cr.

53.8%

10.7%

23.5%

` 8246 Cr.

55.6%

CVs

Cars

Construction Equipment

Tractors

Others

CVs

Cars

Construction Equipment

Tractors

Others

3.9%

12.3%

4.1%

12.2%

19.2%

` 8374 Cr.

64.6%

19.8%

` 8246 Cr.

63.9%

South

North

West

East

South

North West

East

AUM

30-Sep-2018

5.4%

3.6%

6.1%

5.4%

30-Sep-2019

e s i w

t e s s A

e s i w n o i g e R

9.1%

28.6%

` 27228 Cr.

53.3%

9.9%

25.2%

` 30256 Cr.

53.4%

CVs

Cars

Construction Equipment

Tractors

Others

CVs

Cars

Construction Equipment

Tractors

Others

3.7%

13.1%

3.6%

12.4%

19.0%

` 27228 Cr.

64.2%

19.0%

` 30256 Cr.

65.0%

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%

39.3%

39.2%

40.2%

Total Borrowing

30-Sep-2018

31-Mar-2019

30-Sep-2019

₹ 26184 Cr.

₹ 26673 Cr.

₹ 29925 Cr.

25.5%

20.6%

21.4%

20.4%

20.1%

18.6%

11.6%

11.9%

10.5%

8.2%

9.2%

3.3%

Commercial Paper

Debentures

Bank Borrowings *

Securitisation

Deposits

30-Sep-2018

31-Mar-2019

30-Sep-2019

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

Profit & Loss Statement

` in Cr.

FY19 Particulars

3285.98 Revenue From Operations

20.56 Other Income 3306.54 Total Revenue

1766.47 Finance cost

537.47 Operating expenses 107.33 Impairment on financial instruments 895.27 Profit Before Tax and exceptional item 592.44 Exceptional Item 361.40 Tax

1126.31 Profit After Tax and exceptional item

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

H1FY20

H1FY19

1906.77 67.32 1974.09

1023.01 293.59 98.93 558.56 - 132.04 426.52 1.99 428.51

1563.16 7.56 1570.72

818.23 265.12 42.88 444.49 - 149.45 295.04 (4.15) 290.89

Revenue from Operations is net of depreciation on Operating lease. 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.

Other income for H1FY20 includes ` 60.05 Cr. towards profit on sale of shares in Sundaram Finance Holdings Limited(SFHL).

Balance Sheet

` in Cr.

31-Mar-2019Particulars

30-Sep-2019

30-Sep-2018

EQUITY AND LIABILITIES

25530.90Financial Liabilities

74.46Non Financial Liabilities

5043.81Equity

28101.61 143.76 5313.14

24736.67 65.48 4277.42

30649.17Total - EQUITY AND LIABILITIES

33558.51

29079.57

ASSETS

30079.48Financial Assets

569.69Non Financial Assets

32885.15 673.36

28608.10 471.47

30649.17Total – ASSETS

33558.51

29079.57

Key Ratios

Net worth (Rs in Cr.)

Book value per share (Rs) 478

500

454

6.0

5.0

450

400

4.0

5044

5313

350

3.0

300

2.0

250

1.0

385

4277

6500

5500

4500

3500

2500

1500

500

Debt Equity

CRAR

19.4%

17.4%

5.0

5.2

16.0%

5.7

20.0%

19.0%

18.0%

17.0%

16.0%

15.0%

14.0%

13.0%

12.0%

11.0%

10.0%

30-Sep-2018

31-Mar-2019

30-Sep-2019

30-Sep-2018

31-Mar-2019

30-Sep-2019

Portfolio Quality

Gross NPA %

Net NPA %

1.79%

1.20%

1.33%

0.83%

2.20%

1.64%

3.00%

2.50%

2.00%

1.50%

1.00%

0.50%

0.00%

30-Sep-2018

31-Mar-2019

30-Sep-2019

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

Branch Network

30-Sep-2019

No. of Branches : 680 (PY H1 : 644) No. of Employees : 4231 (PY H1: 3991)

68

43

171

398

South

North West

East

Subsidiaries, Joint Ventures & Associates

Subsidiaries

Joint Venture

Sundaram BNP Paribas Home Finance Limited

Royal Sundaram General Insurance Co. Limited

Sundaram Finance Holdings Limited

Sundaram Asset Management Company Limited

Sundaram Asset Management Singapore Pte. Limited

Sundaram Trustee Company Limited

Sundaram Fund Services Limited

(erstwhile Sundaram BNP Paribas Fund Services Limited)

Associates (SFHL)

Axles India Limited

Turbo Energy Private Limited

Transenergy Limited

Sundaram Dynacast Private Limited

Sundaram Hydraulics Limited

Flometallic India Private Limited

Dunes Oman LLC (FZC)

Sundaram Business Services Limited

LGF Services Limited

Sundaram Alternate Assets Limited

Consolidated Results

₹ in Crore

PAT

765 *

368

357

1000

800

600

400

200

0

H1FY19

EPS (₹)

33.45

FY19

69.47

H1FY20

32.42

* 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

5761

6259

6325

7000

6000

5000

4000

3000

2000

1000

30-Sep-18

31-Mar-19

30-Sep-19

Book Value (₹)

523.07

568.29

574.19

Sundaram BNP Paribas Home Finance

` in Cr.

FY19Particulars 2449Disbursements -Housing 69% -Non-Housing 31% 9064AUM 70% 30%

-Housing -Non-Housing

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

2.95%Gross NPA # 0.93%Net NPA

23.50%CAR #

115Branches 755Employees

# as per prudential norms.

H1FY20 1187 68% 32% 9090 70% 30%

95 18.75 1289 127.33

3.14% 1.14% 21.03%

115 785

H1FY19 1241 66% 34% 8761 69% 31%

82 16.19 1188 117.35

3.84% 1.79% 22.57%

115 759

Royal Sundaram

₹ in Cr.

FY19Particulars

H1FY20

H1FY19

3196Gross Written Premium

113PAT

1102Net worth

1821

* (16)

1115

1748

47

974

108.1%Combined Operating Ratio

112.9%

105.8%

2105Employees

2265

2046

* For the half year ended 30th Sep 2019, the company has provided ` 48.31 Cr. towards impairment in respect of exposure to DHFL.

Sundaram Asset Management

₹ in Cr.

FY19Particulars

H1FY20

H1FY19

34,111Average AUM

21,058

-Equity

13,053

-Debt

29PAT

198Net worth

354Employees

33,588

21,953

11,635

8

188

368

35,515

21,373

14,142

12

181

332

11,87,512Retail Investors

11,70,996

11,61,692

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