Sundaram Finance Limited has informed the Exchange about Investor Presentation

PERFORMANCE HIGHLIGHTS 9MFY21

The Board of Directors, at the meeting held on 20th January 2021, approved the following changes w.e.f. 1st April 2021.

➢ Sri T. T. Srinivasaraghavan’s tenure as Managing Director ends on 31st March 2021 and he has expressed his desire

to lay down office as of that date. He will remain as a Non-executive Director on the Board.

➢ Elevation of Sri Harsha Viji, Deputy Managing Director, as Executive Vice Chairman.

➢ Elevation of Sri Rajiv C. Lochan, Director (Strategy), as Managing Director.

➢ Elevation of Sri A.N. Raju, Director (Operations), as Deputy Managing Director.

Disbursements and AUM

₹ in Crore % Growth

Disbursements AUM

14000 12000 10000 8000 6000 4000 2000 0

2.4%

12246

-31.1%

8437

8.4%

30502

31226

4000

4334

9MFY20

Q3FY20

9MFY21

Q3FY21

31-Dec-2019 31-Dec-2020

32000

29000

26000

23000

20000

AUM - Assets Under Management

Disbursements

9MFY20

6.6%

4.9%

16.2%

9MFY21

e s i w

t e s s A

e s i w n o i g e R

10.9%

25.6%

₹ 12246 Cr.

52.0%

12.5%

29.6%

₹ 8437 Cr.

13.8%

27.9%

CVs

Cars

Construction Equipment

Tractors

Others

CVs

Cars

Construction Equipment

Tractors

Others

4.0%

12.3%

5.1%

10.3%

21.0%

₹ 12246 Cr.

62.7%

26.9%

₹ 8437 Cr.

57.7%

South

North

West

East

South

North West

East

AUM

31-Dec-2019

5.8%

5.9%

8.7%

7.2%

31-Dec-2020

e s i w

t e s s A

e s i w n o i g e R

10.1%

25.6%

₹ 30502 Cr.

52.6%

11.2%

₹ 31226 Cr.

48.2%

24.7%

CVs

Cars

Construction Equipment

Tractors

Others

CVs

Cars

Construction Equipment

Tractors

Others

3.7%

12.5%

4.1%

12.4%

19.6%

₹ 30502 Cr.

64.2%

21.2%

₹ 31226 Cr.

62.3%

South

North

West

East

South

North West

East

Funding Mix

60.0%

50.0%

40.0%

30.0%

20.0%

10.0%

0.0%

49.6%

45.7%

43.8%

15.6%

16.7%

17.6%

17.3%

16.7%

11.4%

12.7%

13.2%

13.3%

10.6%

7.7%

8.1%

Debentures

Bank Borrowings *

Securitisation

Deposits

Commercial Paper

31-Dec-2019

31-Mar-2020

31-Dec-2020

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

Total Borrowing

31-Dec-2019

31-Mar-2020

31-Dec-2020

₹ 29206 Cr.

₹ 29007 Cr.

₹ 30886 Cr.

Profit & Loss Statement

Particulars

FY20 3804.55 Revenue From Operations

84.85 Other Income 3889.40 Total Revenue

2072.03 Finance cost 585.85 Operating expenses 286.40 Impairment on financial instruments 945.12 Profit Before Tax 221.17 Tax 723.95 Profit After Tax 63.17 Other Comprehensive Income (net of taxes) 787.12 Total Comprehensive Income for the period

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

₹ in Cr.

9MFY21

9MFY20

2959.88 10.03

2969.91 1546.01 420.39 210.53 792.98 193.13 * 599.85 (3.75) 596.10

2873.15 73.23

2946.38 1556.39 439.73 170.70 779.56 186.50 593.06 58.52 651.58

*

2. Profit after tax for nine months ended 31st December 2020 has registered a growth of 11% as compared to nine months ended 31st December 2019, adjusting for the one time profit on sale of equity shares in Sundaram Finance Holdings Limited (SFHL) in nine months ended 31st December, 2019.

3. The extended lockdown occasioned by the COVID-19 pandemic has caused significant disruption and led to a sharp slowdown in economic activity. While the gradual easing of restrictions by the Government has spurred a revival of activity, the near total lockdown in the first quarter has resulted in sharply lower business acquisition for the nine months period ended 31st December 2020. In line with the RBI guidelines on the COVID-19 Regulatory Package, the Company offered moratorium for instalments falling due between March 1, 2020 and August 31, 2020, to all eligible customers. While the extension of moratorium does not by itself necessarily trigger a significant increase in credit risk, there are certain sectors of the economy that are yet to return to normalcy. The Company has, in line with RBI guidelines, extended restructuring of advances to such borrowers who have been impacted by the pandemic. Accordingly, the Company has, based on its estimates and judgment, suitably provided for possible credit losses in respect of its loan receivables.

Balance Sheet

₹ in Cr.

31-Mar-2020Particulars

31-Dec-2020 31-Dec-2019

EQUITY AND LIABILITIES

27824.60Financial Liabilities

47.54Non Financial Liabilities

5547.37Equity

30154.86 51.63 6104.37

27811.21 64.50 5536.94

33419.51Total - EQUITY AND LIABILITIES

36310.86

33412.65

ASSETS

32725.79Financial Assets

693.72Non Financial Assets

35608.84 702.02

32775.47 637.18

33419.51Total – ASSETS

36310.86

33412.65

The Board of Directors, at the meeting held on 20th January 2021, declared an Interim Dividend of ₹ 12 per share (120%) for the financial year 2020-21.

Key Ratios

7000

6000

5000

4000

3000

17.5% #

16.3% #

19.2%

5537

5547

6104

20.0%

16.0%

12.0%

8.0%

4.0%

3.0%

2.5%

2.0%

1.5%

1.0%

0.5%

0.0%

2.1% #

2.0% #

2.2%

31-Dec-2019

31-Mar-2020

31-Dec-2020

31-Dec-2019

31-Mar-2020

31-Dec-2020

Net worth (₹ in Cr.)

Core-ROE *

ROA *

Book value per share (₹)

498.36

499.30

549.43

31-Dec-2019

31-Mar-2020

31-Dec-2020

* Core ROE : ROE on equity deployed for core business activities - calculated after eliminating dividend receipts from Income and equity investments from Net Worth

# Adjusted for exceptional item

* Assets includes securitised / assigned portfolio # Adjusted for exceptional item

Key Ratios

6.0

5.0

4.0

3.0

2.0

1.0

17.6%

18.4%

19.7%

4.9

4.9

4.9

31-Dec-2019

31-Mar-2020

31-Dec-2020

Debt Equity

CRAR

22.0%

20.0%

18.0%

16.0%

14.0%

12.0%

10.0%

Portfolio Quality

2.79%

2.09%

2.47%

1.65%

1.59%

0.83%

3.50%

3.00%

2.50%

2.00%

1.50%

1.00%

0.50%

0.00%

31-Dec-2019

31-Mar-2020

31-Dec-2020 *

Stage III (Gross)%

Stage III% (net of ECL Provisions)

* This is in line with the interim order of the Honourable Supreme Court of India dated September 3, 2020, which directed that borrowers

who have availed moratorium benefit and were not declared as Non-Performing Assets (NPA) till August 31, 2020 shall not be declared as

NPA till further orders. Had the Company classified such borrower accounts as Stage III on 31st December 2020, the Stage III (Gross) &

Stage III (net of ECL Provisions) would have been at 2.47% & 1.51% respectively.

During the quarter, the company has restructured 2.47% of loans outstanding, which were impacted severely by Covid-19.

Branch Network

31-Dec-2020

No. of Branches : 583 (PY 9M : 668) No. of Employees : 4189 (PY 9M: 4229)

64

40

159

320

South

North West

East

Subsidiaries, Joint Ventures & Associates

Subsidiaries

Sundaram Home Finance Limited

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

Sundaram Fund Services Limited

LGF Services Limited

Joint Venture

Royal Sundaram General Insurance Co. Limited

Associates of a subsidiary company Axles India Limited Wheels India Limited Turbo Energy Private Limited Transenergy Limited Sundaram Dynacast Private Limited Sundaram Hydraulics Limited Flometallic India Private Limited Dunes Oman LLC (FZC) Mind S.r.l.

Consolidated Results

900

750

600

450

300

150

0

PAT

792

895

596

9MFY20

FY20

9MFY21

8000

7000

6000

5000

4000

3000

2000

1000

₹ in Cr.

Net Worth

7586

6585

6677

31-Dec-19

31-Mar-20

31-Dec-20

EPS (₹)

54.09

71.85

81.19

Book Value (₹)

597.72

606.09

688.53

Sundaram Home Finance

₹ in Cr.

FY20

Particulars 2113Disbursements

71.43% 28.57%

-Housing (including Project finance) -Non-Housing

9456AUM

70.48% 29.52%

-Housing (including Project finance) -Non-Housing

218@Profit After Tax 21.54EPS (₹)* 1421Net worth 140.35Book Value (₹)

3.77%Gross NPA # 1.63%Net NPA # 23.0% CAR #

115Branches 826Employees

* Annualised

9MFY21 795 79.63% 20.37% 9109 70.68% 29.32%

155 20.42 1538 151.87

** 3.52% ** 1.32% 23.6%

108 805

9MFY20 1723 69.42% 30.58% 9507 70.02% 29.98%

136 17.94 1330 131.41

3.97% 2.02% 22.4%

115 805

@ Profit after tax for 2019-20 includes an exceptional income of ₹ 60.24 Cr. on account of reversal of deferred tax liability relating to past years.

**This is in line with the interim order of the Honourable Supreme Court of India dated September 3, 2020, which directed that borrowers who have availed moratorium benefit and were not declared as Non-Performing Assets (NPA) till August 31, 2020 shall not be declared as NPA till further orders. Had the Company classified such borrower accounts as NPA on 31st December 2020, the Gross and Net NPA would have been at 4.23% and 2.07% respectively.

# as per prudential norms.

Royal Sundaram

₹ in Cr.

FY20Particulars

9MFY21

9MFY20

3718Gross Written Premium

2,081

2,819

(76)Profit After Tax

67Other Comprehensive Income (net of taxes)

(9)Total Comprehensive Income for the period

1090Net worth

111%Combined Operating Ratio

2390Employees

289

128

417

(12)

(1)

(13)

1,507

1,085

107%

2306

114%

2331

Sundaram Asset Management

₹ in Cr.

FY20Particulars

9MFY21

9MFY20

36,920Average AUM

25,292

-Equity

11,628

-Debt

33Profit After Tax

213Net worth

367Employees

35,512

25,627

9,885

32

231

367

36,224

24,585

11,639

21

202

364

10,87,296Retail Investors

10,54,488

10,57,470

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