Housing & Urban Development Corporation Ltd.

Financial

	Housing & Urban Dev.	LIC Housing Finance	PNB Housing Finance
Operational Metrics
Banking Sector
Net Interest Margin	3.19 %	2.7 %	3.75 %
Capital to Risks Assets Ratio (CRAR)	86.61 %	21.49 %	29.38 %
Tier I Capital	57.53 %	20.0 %	28.39 %
NBFC
Cost To Income Ratio	11.4 %	12.9 %	26.2 %
Cost of Borrowing	7.46 %	7.78 %	7.84 %
Net NPA	0.27 %	2.75 %	0.69 %
Gross NPA	1.88 %	2.75 %	1.08 %
Financials
5 yr Average ROE	12.29 %	12.28 %	9.31 %
5yr average Equity Multiplier	5.69	10.57	7.07
5yr Average Asset Turnover Ratio	0.09	0.08	0.1
5yr Avg Net Profit Margin	24.1 %	13.51 %	14.15 %
5yr Avg Net Profit Margin	24.1 %	13.51 %	14.15 %
5yr CAGR Net Profit	4.38 %	14.72 %	18.47 %
5yr CAGR Sales	1.5 %	6.68 %	-3.13 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.66	0.99	1.59
P/E	16.95	6.48	13.84
Shareholdings
Promoter Holding	75.0 %	45.24 %	28.1 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-6.81 %	0.0	-4.47 %
Change in Mutual Fund Holding (3 Yrs)	-0.12 %	5.83 %	19.24 %

Business

	Housing & Urban Dev.	LIC Housing Finance	PNB Housing Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 99.47 Rental Income 0.52 Fees & Commission Income 0 Dividend Income 0 Fee and commission income 0 Others 0.01	Product Wise Break-Up Fees & Commission Income 0 Dividend Income 0 Fee and commission income 0.21 Interest Income 98.42 Rental Income 0 Others 1.37	-
Loan Break-Up	Loan Break-Up Urban Infrastructure 59.83 Housing 40.17 HUDCO Niwas 0	-	-
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Banking 37.9 Taxable Bonds 20.82 Tax Free Bonds 15.31 Loan From Banks 15.11 Refinance 4.22 Commercial papers 0 Foreign Currency Borrowings 0 Public Deposits 0 Term Loans from LIC of India/HUDCO 0 Commercial Paper 0 Upper Tier II Bonds 0 Subordinated Bonds (Tier II) 0 Non Convertible Debentures 0 Refinances from NHB 0 Loans from Scheduled Banks 0 Public Deposit 0 NCD 0 CP 0 Deposits 0 ECBs 0 Bank Term Loans 0 NHB Refinance 0 Others 6.64	Borrowing Break-Up - NBFC Subordinated Bonds (Tier II) 0 Banking 0 Loan From Banks 0 Refinance 5.0 Bank Term Loans 0 CP 0 Upper Tier II Bonds 1.0 Refinance 0 Deposits 0 Non Convertible Debentures 54.0 Public Deposits 0 Taxable Bonds 0 NCD 0 Tax Free Bonds 0 NHB Refinance 0 Foreign Currency Borrowings 0 Commercial Papers 4.0 Term Loans from LIC of India/HUDCO 0 Commercial papers 0 Public Deposit 3.0 ECBs 0 Loan From Banks 33.0	Borrowing Break-Up - NBFC Subordinated Bonds (Tier II) 0 Banking 0 Loan From Banks 0 Refinances from NHB 0 Bank Loan 40.4 CP 6.2 Upper Tier II Bonds 0 Refinance 0 Deposits 28.8 Non Convertible Debentures 0 Public Deposits 0 Taxable Bonds 0 NCD 9.8 Tax Free Bonds 0 NHB 11.9 Foreign Currency Borrowings 0 Commercial Paper 0 Term Loans from LIC of India/HUDCO 0 Commercial papers 0 Public Deposit 0 ECB 2.8 Loans from Scheduled Banks 0 Others 0.1
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 West India 0 South India 0 North India 0	Location Wise Break-Up North India 0 West India 0 Rest of the World 0 South India 0 India 100.0	Location Wise Break-Up North India 34.6 West India 35.6 Rest of the World 0 South India 29.8 India 0
Verticals	Verticals Roads & Bridge 35.34 Emerging Market 33.62 Water Supply & sewerage drainage 23.12 Social Housing 7.11 Residential 0.76 HUDCO Niwas 0.04 Social Infra and Others 0 Power 0 Others 0.01	-	-

Housing & Urban Development Corporation Ltd.

Housing & Urban Development Corporation Ltd.

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