Satin Creditcare Network Ltd (NSE:SATIN)

Q2 2025 Satin Creditcare Network Ltd Earnings Call Transcript

Nov 8, 2024 / 01:00 PM GMT

Release Date Price: ₹154.07 (-6.65%)

Transcript

Key Points

Positve

Satin Creditcare Network Ltd (BOM:539404) reported a 30% year-on-year increase in overall revenue for H1 FY25, reaching INR 1,290 crore on a consolidated level.
The company's AUM grew by 16% year-on-year to INR 11,007 crore on a consolidated basis, with a standalone AUM growth of 18% year-on-year.
The borrower base expanded by 8% year-on-year to 34.6 lakh, and the branch infrastructure increased by 10% year-on-year with the addition of 128 branches.
Satin Creditcare Network Ltd (BOM:539404) has implemented robust risk management strategies, resulting in a lower GNPA of 3.5% compared to the national average.
The company has received an AUA license from UIDAI, enabling seamless eKYC transactions, enhancing accuracy, security, and sustainability in customer verification processes.

Negative

The unsecured lending space faced notable disruptions due to factors like heatwaves, general elections, and heavy monsoons, leading to increased delinquency rates.
There was a temporary increase in delinquency across several geographies, impacting regular collections and follow-ups.
The company's cost-to-income ratio increased marginally from 43% to 46% due to additional resources deployed for collections.
Satin Creditcare Network Ltd (BOM:539404) revised its annual AUM growth guidance to 8-10%, down from the previously projected 25%, reflecting a more measured outlook.
The company anticipates a credit cost of around 4.5% to 5% for FY25, indicating ongoing challenges in managing asset quality.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

SATR.NS - Satin Creditcare Network Ltd
Q2 2025 Satin Creditcare Network Ltd Earnings Call
Nov 08, 2024 / 01:00PM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day. And welcome to the Q2 and H1 FY25 earnings conference call of set credit care network limited hosted by dollar capital.

As a reminder, all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during the conference call? Please signal an operator by pressing star then zero on your touchtone phone.

Please note that this conference is being recorded.

I now hand the conference over to Mr Kado from do capital. Thank you and over to you, sir.

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