Updates

Q1FY27 INVESTOR PRESENTATION Safe Harbor This presentation has been prepared by Tourism Finance Corporation of India Limited (the “Company”) solely for your information. By accessing this presentation, you are agreeing to be bound by the trailing restrictions. This presentation does not constitute or form part of any offer or invitation or inducement to sell or issue, or any solicitation of any offer or recommendation to purchase or subscribe for, any securities of the Company, nor shall it or any part of it or the fact of its distribution form the basis of, or be relied on in connection with, any contract or commitment thereof. In particular, this presentation is not intended to be a prospectus or offer document under the applicable laws of any jurisdiction, including India. No representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained in this presentation. Such information and opinions are in all events not current after the date of this presentation. There is no obligation to update, modify or amend this communication or to otherwise notify the recipient if information, opinion, projection, forecast or estimate set forth herein, changes or subsequently becomes inaccurate. Certain statements contained in this presentation that are not statements of historical fact constitute “forward-looking statements.” You can generally identify forward-looking statements by terminology such as “aim”, “anticipate”, “believe”, “continue”, “could”, “estimate”, “expect”, “intend”, “may”, “objective”, “goal”, “plan”, “potential”, “project”, “pursue”, “shall”, “should”, “will”, “would”, or other words or phrases of similar import. These forward-looking statements involve known and unknown risks, uncertainties, assumptions and other factors that may cause the Company’s actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements or other projections. Important factors that could cause actual results, performance or achievements to differ materially include, among others: (a) our ability to successfully implement our strategy, (b) our growth and expansion plans, (c) changes in regulatory norms applicable to the Company, (d) technological changes, (e) investment income, (f) cash flow projections, and (g) other risks. This presentation is for general information purposes only, without regard to any specific objectives, financial situations or informational needs of any particular person. The Company may alter, modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such change or changes. 2 Tourism Finance Corporation of India Tourism Finance Corporation of India Ltd. Providing Financing Solutions for 37 Years TFCI – Vision and Mission A responsible and trusted NBFC-ND-ML contributing to economic development and nation building by providing sustainable financing solutions across tourism, real-estate, infrastructure, manufacturing, Vision financial services and other allied & emerging sectors. • To support the development of tourism, real-estate, infrastructure, manufacturing, financial services and other allied & emerging sectors, fostering inclusive economic development and employment generation. • To provide sustainable and tailored financing solutions across tourism, real-estate, infrastructure, manufacturing, financial services and other allied & emerging sectors, promoting long-term value Mission creation and asset quality. • To maintain highest standards of integrity, disciplined risk underwriting and management-cum- regulatory compliance in operations. • To uphold fair practices codes, transparency in operations and high standards of disclosures. • To align with emerging ESG expectations and responsible financing/lending principles. • To create enduring value for stakeholders and commitment to sustainable growth. TFCI’s Key Business Areas ➢ Lending to Hospitality/ Tourism sector for greenfield, brownfield, expansion, modernization/ renovation, long term working capital loan, refinancing and corporate purposes: : ― Term loan for Setting-up Hotel, Resort, Motel, Spa/Health Resort, Apartment Hotels, Guest Houses, other approved Lodgings and restaurant chains. ― Term Loan for last mile funding, expansion, modernization, renovation & acquisition of all the projects mentioned above. ― Term Loan for takeover of existing loans with tenure elongation and top up. ― Term Loan for takeover from AIFs/ARCs of all the projects mentioned above. ― Special Situation Financing for turnaround cases. ➢ Lending to Non – Hospitality sectors for greenfield, brownfield, expansion, modernization/ renovation, long term working capital loan, refinancing and corporate purposes: Real Estate Sector Manufacturing & NBFC/HFC/ARC Infra/ Social Infra Loan Against Shares Other Sectors Sector •Construction Financing to affordable & middle income •Education •NBFCs with secured •Pledge of eligible listed housing projects and limited •Sectors including Cement, School/College/Universities Wholesale loan book equity shares of Group I i h cn io tv iu ee s sn it no gr y projectsh ig ih n- in mco am joe r S A dut ue rte aol bm, lC eo h t aie v nm e d, i oc c ta o hl n, e sP ru a amc llk ie ea r dg ing, •H He oa sl pth itc aa l/r Ne u – rsing Homes •N reB taF iC l/ s G w oli dth l oS ae nc u br oe od k •c Po lem dp ga en oie f s Unlisted •Builder floor financing in industries •Logistics and warehousing •HFCs Shares of National Stock Non-Hospitality DelhiNCR •Established Manufacturing •Focus on Special •ARCs (backed by RR1 Exchange (NSE) •Construction funding for Units for expansion & long Situations. rated SRs giving cover of •LAS for corporates for commercial term working capital term •Energy Renewable (Solar/ 2.5x) Corporate/LLP/Firm with officespace loan & corporate loans Wind) •Other financial credit rating of BBB •LeaseRentalDiscounting companies •LAS for Individual with •LAPbackedbycashflows minimum credit score of •General Corporate Purpose 700 againstreceivables ➢ Tourism/Hospitality focused advisory services –Project Feasibility Reports, Market Survey and Marketing Tie-ups of tourism projects ➢ Debt Syndication services ➢ Special situation structuring /restructuring and advisory services Financial Performance Highlights – Last 5 years 2021-22 2022-23 2023-24 2024-25 FY25-26 Q1 FY26-27 Particulars (Audited) (Audited) (Audited) (Audited) (Audited) (Reviewed) Interest Income (Rs.in Cr.) 247.89 197.20 195.25 206.86 238.27 72.12 Other Operating Income (Rs.in Cr.) 6.42 34.50 46.79 53.20 38.56 43.03 Total Income (Rs.in Cr.) 254.31 231.7 242.04 260.06 276.83 115.15 Net Interest Income (Rs.in Cr.) 127.85 106.56 94.96 106.69 145.16 45.96 Profit before tax (Rs.in Cr.) 107.9 109.37 113.87 128.02 155.78 78.32 Profit after tax (Rs.in Cr.) 85.32 87.95 91.11 103.81 123.46 61.21 Equity share Capital (Rs.in Cr.) 90.37 90.37 90.37 92.60 92.60 92.60 Reserve and Surplus (Rs.in Cr.) 838.3 926.73 999.25 1123.77 1222.54 1283.58 Net Tangible Worth (Rs.in Cr.) 928.66 1008.94 1074.85 1207.28 1304.84 1366.80 Total Borrowings (Rs.in Cr.) 1278.74 1004.73 983.04 866.09 1083.46 1028.82 Gross AUM (Gross Loans & Project related NCDs) (Rs.in Cr.) 1834.35 1621.48 1588.92 1693.57 2188.87 2002.05 Gross Loan Book (Rs.in Cr.) 1834.35 1621.48 1588.92 1693.57 2088.14 1901.55 Gross NCDs (Project-related NCDs)(Rs.in Cr.) - - - - 100.73 100.50 Investments (Rs.in Cr.) 165.39 337.57 461.18 259.00 147.93 372.24 Gross NPLs (Rs.in Cr.) 13.54 63.62 43.66 54.49 7.82 7.82 Gross NPLs(%) 0.74% 3.92% 2.75% 3.22% 0.37% 0.41% Net NPLs (Rs.in Cr.) 6.77 47.84 23.97 27.24 Nil Nil Net NPLs (%) 0.37% 2.95% 1.51% 1.61% Nil Nil Debt:Equity Ratio 1.38:1 0.98:1 0.91:1 0.72:1 0.83:1 0.75:1 Earning Per Share (Rs.)* 2.00 1.95 2.02 2.24 2.67 1.32 Book Val [Showing first 8,000 characters — download PDF for full document]