JM Financial Limited — PPTs, 11-08-2025: Investor Presentation

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**Financial Highlights:**

JM Financial reported a record Q1 FY26 operating PAT of ₹454 Cr (+166% YoY), with networth over ₹10,000 Cr and an 18.3% annualized ROE. Net Revenue increased 22%. The non-core/RE loan book significantly reduced to ₹2,655 Cr, supported by ARC recoveries. Affordable Home Loans and Wealth Recurring AUM saw strong growth.

**Strategic Initiatives & Growth Drivers:**

Focus is on high-growth, high-RoE businesses. Wealth & Asset Management plans product expansion and increasing advisor count. Affordable Home Loans aims to scale its granular, secured book. Private Markets prioritize syndication and co-investments.

**Business Developments:**

JM Financial achieved the #1 spot in Equity Capital Markets with numerous IPO transactions. Wealth Management expanded its branch network. The non-core loan book is expected to largely run down within 9-12 months.

**Market Position & Competitive Advantage:**

The company highlights leadership in Corporate Advisory and a unique Wealth & Asset Management platform. Private Markets utilize a "syndication/co-invest" approach. Affordable Home Loans maintains a granular, secured portfolio with sound asset quality.

**Investor Implications:**

Record PAT and growing networth, coupled with strategic asset base cleanup and strong segment performance, indicate positive growth potential and robust execution.