Sundaram Finance Limited has informed the Exchange regarding Investor Presentation

PERFORMANCE HIGHLIGHTS 9MFY20

Disbursements and AUM

₹ in Crore % Growth

Disbursements AUM

4.9%

12739

-3.9%

12246

13000

11000

9000

7000

5000

3000

14.4%

8.5%

28114

30502

35000 31000 27000 23000 19000 15000 11000

9MFY19

9MFY20

31-Dec-2018 31-Dec-2019

AUM - Assets Under Management

Disbursements

9MFY19

5.5%

4.7%

4.9%

6.6%

9MFY20

e s i w

t e s s A

e s i w n o i g e R

10.9%

26.1%

₹ 12739 Cr.

52.8%

₹ 12246 Cr.

52.0%

10.9%

25.6%

CVs

Cars

Construction Equipment

Tractors

Others

CVs

Cars

Construction Equipment

Tractors

Others

3.7%

11.7%

4.0%

12.3%

19.3%

₹ 12739 Cr.

65.3%

21.0%

₹ 12246 Cr.

62.7%

South

North

West

East

South

North West

East

AUM

31-Dec-2018

5.3%

5.0%

5.9%

5.8%

31-Dec-2019

e s i w

t e s s A

e s i w n o i g e R

9.3%

27.7%

₹ 28114 Cr.

52.7%

10.1%

25.6%

₹ 30502 Cr.

52.6%

CVs

Cars

Construction Equipment

Tractors

Others

CVs

Cars

Construction Equipment

Tractors

Others

3.6%

12.5%

3.7%

12.5%

18.7%

₹ 28114 Cr.

65.2%

19.6%

₹ 30502 Cr.

64.2%

South

North

West

East

South

North West

East

Funding Mix

43.9%

39.3%

39.2%

Total Borrowing

31-Dec-2018

31-Mar-2019

31-Dec-2019

₹ 26788 Cr.

₹ 26673 Cr.

₹ 29206 Cr.

25.5%

24.1%

20.1%

20.4%

17.3%

15.6%

11.6%

12.7%

11.0%

10.5%

5.5%

3.3%

50.0% 45.0% 40.0% 35.0% 30.0% 25.0% 20.0% 15.0% 10.0% 5.0% 0.0%

Debentures

Securitisation

Bank Borrowings *

Deposits

Commercial Paper

31-Dec-2018

31-Mar-2019

31-Dec-2019

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

Profit & Loss Statement

₹ in Cr.

FY19

Particulars

3285.98Revenue From Operations

20.56Other Income 3306.54Total Revenue

1766.47Finance cost 537.45Operating expenses 107.33Impairment on financial instruments 895.28Profit Before Tax and exceptional item 592.43Exceptional Item 361.40Tax

1126.31Profit After Tax and exceptional item

2.78Other Comprehensive Income (net of taxes) 1129.09Total Comprehensive Income for the period year

9MFY20

9MFY19

2873.14 73.23 2946.37

1556.39 439.72 170.70 779.55 - 186.50 593.06 58.52 651.58

2411.51 13.13 2424.64

1288.91 399.29 64.72 671.72 - 220.17 451.56 1.04 452.59

1. Revenue from Operations is net of depreciation on Operating lease. 2. Other income for 9MFY20 includes ₹ 60.05 Cr. towards profit on sale of shares in Sundaram Finance Holdings Limited(SFHL). 3. Exceptional item represents, sale of stake in Royal Sundaram General Insurance Co. Limited (RSGI) to Ageas Insurance International N.V,

The Netherlands in Feb 2019.

4. Consequent to the share purchase agreement executed by the Company for divestment of its shareholding in Equifax Credit Information

Services Private Limited, the gain on such shareholding is reflected as Fair Value Through Other Comprehensive Income.

5. The company has declared Interim dividend of ₹ 10 per share (100%) for the financial year ending 31st March 2020.

Balance Sheet

₹ in Cr.

31-Mar-2019Particulars

31-Dec-2019

31-Dec-2018

EQUITY AND LIABILITIES

25530.90Financial Liabilities

74.46Non Financial Liabilities

5043.81Equity

27811.21 64.50 5536.94

25143.17 63.25 4433.06

30649.18Total - EQUITY AND LIABILITIES

33412.65

29639.48

ASSETS

30081.43Financial Assets

567.74Non Financial Assets

32775.47 637.18

29119.06 520.42

30649.18Total – ASSETS

33412.65

29639.48

Key Ratios

6500

5500

4500

3500

2500

1500

500

Net worth (₹ in Cr.)

Book value per share (₹)

6.0

550

498

399

454

500

5.0

17.0%

Debt Equity

CRAR

19.4%

17.6%

4433

5044

5537

5.6

5.0

4.9

450

400

350

300

4.0

3.0

2.0

250

1.0

31-Dec-2018

31-Mar-2019

31-Dec-2019

31-Dec-2018

31-Mar-2019

31-Dec-2019

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 %

2.79%

2.09%

1.90%

1.38%

1.33%

0.83%

3.50%

3.00%

2.50%

2.00%

1.50%

1.00%

0.50%

0.00%

31-Dec-2018

31-Mar-2019

31-Dec-2019

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

Branch Network

31-Dec-2019

No. of Branches : 668 (PY 9M : 654) No. of Employees : 4229 (PY 9M: 4050)

67

42

169

390

South

North West

East

Subsidiaries, Joint Ventures & Associates

Subsidiaries

Sundaram Home Finance 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)

Sundaram Business Services Limited

LGF Services Limited

Sundaram Alternate Assets Limited

Sundaram Finance Employee Welfare Trust

Joint Venture

Royal Sundaram General Insurance Co. 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)

Consolidated Results

₹ in Cr.

PAT

765 *

582

596

1000

800

600

400

200

0

9MFY19

EPS (₹)

52.83

FY19

69.47

9MFY20

54.09

* Excludes Exceptional item (sale of stake in Royal Sundaram General Insurance Co. Limited (RSGI) to Ageas Insurance International N.V ,The Netherlands in Feb 2019).

Net Worth

6259

5968

6585

7000

6000

5000

4000

3000

2000

1000

31-Dec-18

31-Mar-19

31-Dec-19

Book Value (₹)

541.88

568.29

597.72

Sundaram Home Finance

FY19

Particulars 2449Disbursements -Housing 69%

31% 9064AUM 70% 30%

-Non-Housing

-Housing -Non-Housing

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

2.95%Gross NPA # 0.93%Net NPA

23.50%CAR #

115Branches 755Employees

* annualised # as per prudential norms.

₹ in Cr.

9MFY20 1723 69%

9MFY19 1822 68%

31% 9507 70% 30%

136 *17.94 1330 131.41

3.97% 2.02% 22.4%

115 805

32% 8866 69% 31%

120 *15.77 1226 121.09

3.71% 1.41% 22.5%

116 767

Royal Sundaram

` in Cr.

FY19Particulars

9MFY20

9MFY19

3196Gross Written Premium

113PAT

1102Net worth

2813

* (12)

1085

2458

80

1058

108.1%Combined Operating Ratio

113.6%

108.1%

2105Employees

2331

2092

* For the nine months ended 31st Dec 2019, the company has provided ₹ 64.12 Cr. (net of tax) towards impairment in respect of exposure to DHFL.

Sundaram Asset Management

₹ in Cr.

FY19Particulars

9MFY20

9MFY19

35656Average AUM

22603

-Equity

13053

-Debt

29PAT

198Net worth

354Employees

36222

24581

11641

22

203

364

36032

22503

13529

18

187

361

11,87,512Retail Investors

10,57,470

11,79,781

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