AR20-21 Notes
AAVAS Financiers
A Leading Housing Finance Company concentrating on Affordable Housing
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1/ Performance Overview
~Annual Revenues exceeded Rs 1000 Cr for the first time
~AUM reached Rs 9454 Cr
~Spread at 5.76% in FY21
~Active Customer base at >1.25 Lacs
2/ 10 Year Report Card
~Developed Niche & maintained disciplined and conservative underwriting
~Scaled the business sustainably
~Promoted financial inclusion & led to the development of the sector
3/ Performing Through COVID-19
Despite the difficult environment, Aavas managed to
~maintain its book strength
~diversify borrowing sources
~leverage tech to enable the smooth running of the business
4/ Enhanced Return for Stakeholders and Improvements in
~Financial Capital
~Company Infrastructure
~Employee Strength
~Business Process & Operations
5/ Strategic Priorities
~Increasing Presence in Market Niche
~Strengthening Customer Engagement
~Building Proprietary Value Chain
~Expanding in Indian housing markets
6/ Strategic Priorities Contd
~Maintaining discipline in managing yields
~Enhancing long term liquidity
~Maximizing Capital Returns
7/ Technological Priorities
~Strengthen tech team and invest in new tech
~Leverage tech and enhance competitiveness
8/ Risk Management
9/ Industry Overview
10/ Govt Policies & Initiatives for the Sector
11/ SCOT of Aavas & Present Credit Rating
12/ Financials
~Consolidated Balance Sheet
~Consolidated P&L Statement
~Consolidated Cash Flow Statement
13/
~Latest investor concall notes: bit.ly/3bf4put
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