Q4 2025 Sammaan Capital Ltd Earnings Call Transcript
Key Points
- Sammaan Capital Ltd (BOM:535789) successfully concluded two equity raise transactions, strengthening its capital base and shareholder structure.
- The company's growth AUM increased significantly to INR37,000 crores, now constituting 60% of the total AUM.
- There has been a substantial improvement in asset quality, with gross NPA reducing to 1.3% and net NPA to 0.8%.
- Sammaan Capital Ltd has established a free flow of capital, borrowing 2.3 times more than the previous financial year, which is expected to lower the cost of funds.
- The company is on track with its strategic initiatives, including the transformation of its subsidiary into an affordable mortgage-focused entity, Sammaan Finserve, which is performing ahead of projections.
- The legacy AUM continues to be a significant focus for management, requiring substantial time and effort to manage its rundown.
- Despite improvements, the company remains in an overcapitalized state, which may not be optimal for long-term growth.
- There is a need for continuous credit provisioning, with an annualized credit cost expectation of 100 basis points.
- The company faces regulatory challenges, particularly concerning the structure of its subsidiary under RBI guidelines.
- Sammaan Capital Ltd's overall AUM is declining due to the strategic rundown of the legacy book, impacting immediate growth metrics.
Ladies and gentlemen, good day and welcome to the Sammaan Capital Limited Q4 FY 25 earnings conference call hosted by Investec Capital Services. (Operator Instructions)
I now hand the conference over to Mr. Kamal Mulchandani from Investec Capital Services.
Thank you and over to you, sir.
Good evening. Welcome to the earnings conference call of Sammaan Capital Limited.
We have with us on the call today, Mr. Gagan Banga, Vice Chairman and Managing Director, joined by other senior management of Sammaan Capital and Saman Center Limited. I would now like to hand over the call to Gagan sir for his opening comments, after which we will take the question and answer out over to you, sir.
Thank you, Kamal. Good afternoon and thank you everyone for, joining this call. We are mindful of the fact that it's Friday and so we didn't want to push it to the evening where,
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