Five-Star Business Finance Oct-24

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Questions and Answers

What was Anand Raghavan's role at RKV Finance?

Managing Director (correct)

Chief Financial Officer

Independent Director

Country Head

Which institutions did Anand Raghavan work with before joining Five Star?

HDFC bank, Stanchart, IFC (correct)

ICICI Bank, Axis Bank, SBI

Goldman Sachs, Morgan Stanley

Citigroup, Barclays, HSBC

What is the highest degree Bhama Krishnamurthy holds?

Doctor of Philosophy

Master of Business Administration (correct)

Bachelor of Arts

Master of Finance

Which degree did Anand Raghavan NOT complete?

Master of Economics Signup and view all the answers

How many years of experience does Anand Raghavan have in finance?

20 years Signup and view all the answers

What is T T Srinivasaraghavan's professional background?

Chartered Accountant Signup and view all the answers

Where did Anand Raghavan complete his MBA?

Sri Sathya Sai Institute of Higher Learning Signup and view all the answers

What position did Bhama Krishnamurthy hold at SIDBI?

Country Head and Chief General Manager Signup and view all the answers

What is Gross NPA or Gross Stage 3 assets defined as?

Loans which are more than 90 days past due Signup and view all the answers

What percentage is Net Stage 3 Assets computed by?

Gross Stage 3 assets reduced by Stage 3 ECL as a percentage of AUM Signup and view all the answers

Which of the following risks is NOT mentioned as a concern for the company's forward-looking statements?

Impact of environmental regulations Signup and view all the answers

What does the term AUM stand for in the context of the presentation?

Assets Under Management Signup and view all the answers

What is expressed as a percentage of AUM according to the presentation?

Gross NPA Signup and view all the answers

Which statement about forward-looking statements is true?

They are subject to risks and uncertainties. Signup and view all the answers

What does not constitute liability for the company regarding the presentation's contents?

The accuracy of financial forecasts Signup and view all the answers

Which of the following was stated as a factor for potential time and cost overruns on contracts?

Government policies and regulatory actions Signup and view all the answers

What was the total income reported for FY2024?

21,951 Signup and view all the answers

Which year showed the highest number of loan disbursals?

FY2024 Signup and view all the answers

What was the Debt/Equity ratio in FY2021?

1.48 Signup and view all the answers

Which director serves as the Chairman & Managing Director?

Lakshmipathy Deenadayalan Signup and view all the answers

What was the return on equity in FY2024?

17.60% Signup and view all the answers

What was the Provision Coverage Ratio - overall AUM in FY2023?

1.61% Signup and view all the answers

How many branches were operational in FY2020?

262 Signup and view all the answers

Which of the following years had the highest Profit After Tax (PAT)?

FY2024 Signup and view all the answers

What was the net interest income in FY2018?

1,504 Signup and view all the answers

What was the gross stage 3 assets percentage in FY2022?

1.05% Signup and view all the answers

Which of the following metrics decreased from FY2015 to FY2024?

Return on Total Assets Signup and view all the answers

What was the total comprehensive income for FY2020?

2,608 Signup and view all the answers

Which ratio represents the percentage of profits to total assets?

Return on Total Assets Signup and view all the answers

What is the primary role held by the individual who spent 18 years as Managing Director at Sundaram Finance?

Director on the Boards of various companies Signup and view all the answers

Which of the following positions is held by the individual associated with drafting CSR Policy guidelines for the Bank?

Chairperson - Audit Committee Signup and view all the answers

Which company did the individual with over 22 years at Cognizant primarily influence?

Cognizant India Signup and view all the answers

What educational background does Thirulokchand Vasan possess that relates to his previous experience?

Hotel Management Graduate Signup and view all the answers

What was the duration of the individual's career at Sundaram Finance?

4 decades Signup and view all the answers

Which other company, besides Sundaram Finance, does the individual serve on the Board?

Shriram Life Signup and view all the answers

Which committee does the Chairperson associated with the Bank NOT lead?

Foreign Investment Committee Signup and view all the answers

What is the nature of the roles held by Ramkumar Ramamoorthy?

Independent / Non-Executive Director Signup and view all the answers

What role does Ramkumar currently hold?

Partner at Catalincs Signup and view all the answers

Which of the following areas is NOT listed as Ramkumar's expertise?

Financial Investment Strategies Signup and view all the answers

Who is the Chief Operating Officer of Five-Star Business Finance Limited?

Vishnuram Jagannathan Signup and view all the answers

Which educational background is common among most executives listed?

Bachelor of Commerce Signup and view all the answers

What is the educational qualification of Lakshmipathy Deenadayalan?

Bachelor of Engineering Signup and view all the answers

Which position is held by Prashanth Sreenivasan at Five-Star Business Finance Limited?

Chief Treasury Officer Signup and view all the answers

Which individual has experience with Deutsche Bank?

Jayaram Sankaran Signup and view all the answers

What is the minimum number of years of experience for the Chief Credit Officer?

6 Signup and view all the answers

Which role is occupied by Ramesh Kannah?

Chief Legal Officer Signup and view all the answers

Which of the following positions does not require a background in Commerce or Engineering?

Chief Technology Officer Signup and view all the answers

What was the percentage increase in PPOP for Q2FY2025 compared to Q2FY2024?

37% Signup and view all the answers

What was the Cost to Income ratio for Q2FY2025 excluding credit costs?

30.17% Signup and view all the answers

Which of the following correctly states the increase in both PBT and PAT for Q2FY2025?

34% Signup and view all the answers

How did the Return on Average Total Assets change from Q2FY2024 to Q2FY2025?

Decreased from 8.47% to 8.36% Signup and view all the answers

What was the Capital Adequacy ratio reported for Q2FY2025?

48.73% Signup and view all the answers

Which financial metric saw an increase from 17.08% for Q2FY2024 to 19.02% for Q2FY2025?

Return on Equity Signup and view all the answers

By what percentage did Disbursements change from Q2FY2024 to Q2FY2025?

4% Signup and view all the answers

What was the trend in Expected Credit Loss from Q2FY2024 to Q2FY2025?

Decreased by 6% Signup and view all the answers

What was the Cost of Borrowing in Q2FY2025 compared to previous quarters?

Increased by 1% Signup and view all the answers

Which branch tier exhibited the largest percentage of AUM in Q2FY2025?

Tier 1 & 2 Signup and view all the answers

What percentage of Collections Efficiency was reported in Q2FY2025?

97.8% Signup and view all the answers

What was the percentage of Gross Stage 3 Assets in Q2FY2025?

1.40% Signup and view all the answers

What was the change in the Cost to Income ratio from Q2FY2024 to Q2FY2025, including credit costs?

Decreased from 36.03% to 34.18% Signup and view all the answers

What was the growth rate in Assets Under Management (AUM) from Q2FY2024 to Q2FY2025?

21% Signup and view all the answers

Study Notes

Financial Highlights

Q2FY2025 AUM: ₹109.3 billion, up 32% year-over-year (YoY) from ₹82.6 billion in Q2FY2024
Q2FY2025 Disbursements: ₹12.507 billion, compared to ₹12.043 billion in Q2FY2024.
Q2FY2025 Gross NPA (Non-Performing Assets): 1.47%
Q2FY2025 Net Interest Margin: 16.93%, compared to 16.84% in H1FY2025
Q2FY2025 Return on Assets: 8.36%
Q2FY2025 Return on Equity: 19.02%
Branches: 660 in Q2FY2025, compared to 456 in Sep 2023.
Headcount: 10,366 in Q2FY2025, compared to 8.261 in Sep 2023.
Total Income in Q2FY2025: ₹7.058 billion compared to ₹5,224 billion in Q2FY2024.
Net Interest Income in Q2FY2025: ₹3,213 billion compares to ₹2,021 billion in Q2FY2024.
Profit Before Tax (PBT) in Q2FY2025: ₹3,582 billion compares to ₹2,670 billion in Q2FY2024
Profit After Tax (PAT) in Q2FY2025: ₹2,679 billion compares to ₹1,994 billion in Q2FY2024
Cost to Income Ratio (Q2 FY25): 34.18%, compared to 36.03% in Q2 2024

Glossary

Gross NPA (Non-Performing Assets): Represents loans that are more than 90 days past due. From Sep'22 onwards this is calculated based on RBI's guidelines.
Net Stage 3 Assets: Calculated by reducing Stage 3 ECL (expected credit loss) from Gross Stage 3 assets
AUM (assets under management): Includes securitized loan portfolio.
Total Assets: The total assets of the company, computed excluding Impairment allowance on Loan assets.
Average Total Assets: The average of the monthly balance sheet assets, excluding Impairment allowance on Loan assets.

Investor Presentation Sections

Executive Summary
Asset Quality & ECL
Business Updates (1/2)
Business Updates (2/2)
Liability & ALM
Financial Statements
Company Overview

Presentation Path (slide overview)

Section 1: Executive Summary
Section 2: Business Updates
Section 3: Asset Quality & ECL
Section 4: Liability & ALM
Section 5: Financial Statements
Section 6: Company Overview

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Description

Dive into the financial performance of Q2FY2025 with a focus on key metrics such as AUM, disbursements, and net interest margin. This quiz will test your understanding of the financial indicators that reflect the company's growth and stability over the year. Join now to enhance your financial literacy!