Q4 2025 CSL Finance Ltd Earnings Call Transcript
Key Points
- CSL Finance Ltd (BOM:530067) reported a 5% quarter-on-quarter and 25% year-on-year growth in AUM for Q4 FY25, reaching 1,195 crore.
- The company has expanded its lender portfolio significantly, adding 9 new lending partners, bringing the total to 32, which improves access to debt funds.
- Net interest income increased by 21% year-on-year, reaching 146 crore, despite challenges.
- CSL Finance Ltd (BOM:530067) plans to further expand its branch network, with a net addition of 14 branches in FY25, bringing the total to 43.
- The company is optimistic about the SME retail segment returning to growth, supported by investments in technology and structural changes.
- CSL Finance Ltd (BOM:530067) experienced increased slippages in FY25, leading to a rise in gross NPA and net NPA by 20 and 9 basis points, respectively.
- The company fell short of its initial AUM target due to dynamic changes in the industry's operating environment.
- Write-offs increased in FY25, although the company is confident in making recoveries over the next 12 to 18 months.
- Operating expenses rose due to recent branch expansions, impacting profitability.
- The cost of borrowing increased slightly, affecting net interest income growth potential.
Ladies and gentlemen, good day, and welcome to the CSL Finance Limited Q4 FY25 earnings conference Call hosted by TIL Advisors Private Limited. (Operator Instructions) Please note that this conference is being recorded. I now hand the conference over to Mr. Sayam Pokharna from TIL Advisors Private Limited for opening remarks. Thank you, and over to you.
Thank you, Ryan. Good evening and thank you for joining us in this Q4 NF 525 earnings conference call of CSL Finance Limited. The investor presentation has already been uploaded on the stock exchange and on the company website.
If you wish to be added to our mailing list, please feel free to write to us. To take us through today's results, we have with us from the management team, Mr. Rovit Gupta, managing director, Mr. Naresh Chandravashni, Chief Financial Officer. Mr. Chandan Kumar, head strategy in business, Ms. Rashita Gupta, full-time director. Mr. Raullah Gharwal, President of Finance and Treasury. Mr. Chara Gupta, credit
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