SBFC Finance Limited — PPTs, 25-01-2025: Investor Presentation

**Financial Highlights:** SBFC Finance reported a strong 30% year-on-year increase in Assets Under Management (AUM), reaching ₹8,148 Cr, with a quarterly growth of 6%. Interest income grew significantly by 34% YoY to ₹301 Cr. Net Profit after Tax (PAT) for the quarter rose to ₹88 Cr, showing a 37.6% improvement compared to the previous year.

**Strategic Initiatives and Growth Drivers:** The company targets the MSME segment, specifically loans of ₹5 lakh to ₹30 lakh, tapping into a market size of ₹3.2 lakh Cr projected to grow at a CAGR of 24%. SBFC’s pan-India expansion includes 197 branches across 16 states and 2 UTs, enhancing its reach and operational efficiencies.

**Business Developments:** The company reported a Gross Non-Performing Asset (NPA) ratio of 2.70%, a slight increase from the previous quarter, reflecting stable asset quality in a growing portfolio.

**Market Position and Competitive Advantage:** With a credit rating of AA- and a specialized focus on secured loans, SBFC is well-positioned in the MSME financing space, backed by a team of experienced management professionals and robust governance structures.

**Investor Implications:** Given SBFC's solid financial performance and strategic market positioning, the outlook remains positive, indicating potential growth opportunities for investors.