Sundaram Finance May-24

The amount of money a company earns after paying all its expenses and taxes, excluding any unusual or one-time events.

The ratio of a company's profit to its total assets, showing how efficiently it uses its assets to generate profit.

The ratio of a company's net income to its shareholder equity, showing how much profit is generated for every dollar of equity invested.

A type of investment fund that invests in a wider variety of assets, including stocks, bonds, and real estate.

The amount of money a company spends on operating expenses, such as salaries,rent, and utilities, divided by the amount of money it earns in revenue.

Sundaram Finance's vision is to be the most respected Non-Banking Financial Company (NBFC) in India.

Sundaram Finance aims to provide the 'Sundaram experience' to all customers, focusing on quality service, ethical conduct, and relationships.

The 'Sundaram Way' is a set of values that guide Sundaram Finance's operations. These values include service, fair play, humility, discipline, honesty, openness, prudence, integrity, and building strong relationships.

Assets Under Management (AUM) refers to the total value of assets that a financial institution manages on behalf of its clients.

Sundaram Finance is a diversified financial services group with a focus on lending, general insurance, home finance, and asset management.

Sundaram Finance's target customer base is the underserved but aspiring Indian entrepreneur, particularly those in the road transport sector.

Hire-purchase is a type of financing where a customer pays for an asset (like a vehicle) in installments. Usually the customer takes possession of the asset immediately.

Sundaram Finance has a long history, having been established in 1954, with a reputation for trust and prudence in its financial operations.

The Sundaram Finance Group includes subsidiaries and joint ventures in various sectors, including insurance and asset management.

This refers to the total amount of assets managed by Sundaram Finance Group, which includes its own subsidiaries and joint ventures.

Sundaram Finance distinguishes itself by its long heritage, its pioneering role in hire-purchase financing, its diversification across financial services, and its focus on underserved entrepreneurs.

Sundaram Finance has a network of branches across India, reaching various customer segments.

Sundaram Finance employs a significant number of staff to serve its customers effectively.

Sundaram Finance has served millions of customers over the years and continues to expand its reach to serve more.

The percentage of a bank's loans that are considered at risk of default.

Represents the raw percentage of a bank's loans that are classified as Stage 3.

Reflects the percentage of a bank's loans that are considered at risk of default, after taking into account provisions and other adjustments.

A way for banks to raise money by issuing debt securities to investors.

Funds borrowed from other banks, typically on a short-term basis.

A type of financing where asset-backed securities are sold to investors, providing liquidity to the bank.

The most common source of funding for banks, involving deposits from customers.

A short-term debt instrument issued by banks to raise money for a specific period.

A legal entity where one company owns a controlling amount of shares in another company. These companies' financial results are combined for reporting purposes.

A company that is jointly controlled by two or more entities with significant influence. The company's performance impacts both parties.

The total financial performance of a company, including its subsidiaries and joint control entities.

The process of combining the financial results of several companies into one unified report.

Adjustments are made to the consolidated financial results to ensure consistency and eliminate double counting of certain items within a company group.

Tractors, along with commercial lending, make up a significant portion of the company's assets. They contribute approximately 44.1% to the total asset base.

Used assets (both tractor and commercial lending) represent over 45% of the company's total asset base.

The company's asset base is geographically distributed, with the Western region holding the largest share followed by the Northern region.

The company's assets are distributed across various categories, including tractors, commercial lending, and other assets. Tractors make up the largest share followed by commercial lending.

The company's Assets Under Management (AUM) have shown a modest increase from March 2023 to March 2024. The AUM has grown from ₹34,552 Cr to ₹43,987 Cr.

Heavy Commercial Vehicles (MHCV) and Retail Commercial Vehicles (Retail CV) are the main segments driving AUM growth, with MHCV showing a higher growth rate than Retail CV.

Cars and other vehicles form a significant portion of the AUM, suggesting a diverse product portfolio.

The company's AUM is largely concentrated in Cars and Retail CVs, indicating a focus on the consumer segment.

A group of companies that share a common brand or name, often under a single management structure.

A business structure with multiple companies or subsidiaries operating under a single holding company.

A legal entity separate from its owners, with its own liabilities and rights.

A person who is responsible for the overall management and direction of a company.

A person who is appointed to act on behalf of a company.

A person who is appointed to oversee and advise the company, but may not be involved in day-to-day operations.

A person who is appointed to a company's board of directors and is not affiliated with management.

The highest decision-making body of a company, responsible for setting strategy and overseeing management.