Housing & Urban Development Corporation Ltd.

Financial

	Housing & Urban Dev.	LIC Housing Finance	PNB Housing Finance
Operational Metrics
Banking Sector
Net Interest Margin	3.22 %	2.73 %	3.74 %
Capital to Risks Assets Ratio (CRAR)	86.61 %	21.49 %	29.68 %
Tier I Capital	57.53 %	20.0 %	28.96 %
NBFC
Cost To Income Ratio	11.4 %	12.9 %	26.2 %
Cost of Borrowing	7.44 %	7.73 %	7.76 %
Net NPA	0.25 %	2.75 %	0.69 %
Gross NPA	1.67 %	2.47 %	1.06 %
Financials
5 yr Average ROE	12.29 %	12.28 %	9.99 %
5yr average Equity Multiplier	5.69	10.57	6.09
5yr Average Asset Turnover Ratio	0.09	0.08	0.1
5yr Avg Net Profit Margin	24.1 %	13.51 %	17.68 %
5yr Avg Net Profit Margin	24.1 %	13.51 %	17.68 %
5yr CAGR Net Profit	4.38 %	14.72 %	15.8 %
5yr CAGR Sales	1.5 %	6.68 %	0.51 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.37	0.89	1.52
P/E	15.69	5.93	12.61
Shareholdings
Promoter Holding	75.0 %	45.24 %	28.08 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-6.81 %	0.0	-4.49 %
Change in Mutual Fund Holding (3 Yrs)	0.6 %	5.13 %	25.92 %

Business

	Housing & Urban Dev.	LIC Housing Finance	PNB Housing Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 99.15 Rental Income 0.5 Fees & Commission Income 0 Dividend Income 0 Fee and commission income 0 Others 0.35	Product Wise Break-Up Interest Income 97.52 Rental Income 0 Fee and commission income 0.28 Fees & Commission Income 0 Dividend Income 0 Others 2.2	-
Loan Break-Up	Loan Break-Up Urban Infrastructure 61.15 Housing 38.85 HUDCO Niwas 0	-	-
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Banking 26.48 Taxable Bonds 21.98 Loan From Banks 14.51 Tax Free Bonds 11.53 Refinance 0.27 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 25.23	Borrowing Break-Up - NBFC Refinance 4.0 Bank Term Loans 0 Loan From Banks 32.0 Refinance 0 Foreign Currency Borrowings 0 NHB Refinance 0 Banking 0 Taxable Bonds 0 ECBs 0 Subordinated Bonds (Tier II) 0 NCD 0 CP 0 Upper Tier II Bonds 1.0 Non Convertible Debentures 55.0 Public Deposit 3.0 Commercial papers 0 Public Deposits 0 Commercial Papers 5.0 Tax Free Bonds 0 Deposits 0 Term Loans from LIC of India/HUDCO 0 Loan From Banks 0	Borrowing Break-Up - NBFC Refinances from NHB 0 Bank Loan 35.6 Loans from Scheduled Banks 0 Refinance 0 Foreign Currency Borrowings 0 NHB 14.7 Banking 0 Taxable Bonds 0 ECB 4.6 Subordinated Bonds (Tier II) 0 NCD 9.7 CP 6.9 Upper Tier II Bonds 0 Non Convertible Debentures 0 Public Deposit 0 Commercial papers 0 Public Deposits 0 Commercial Paper 0 Tax Free Bonds 0 Deposits 28.5 Term Loans from LIC of India/HUDCO 0 Loan From Banks 0
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 India 100.0 South India 0 Rest of the World 0 West India 0	Location Wise Break-Up North India 35.0 India 0 South India 30.0 Rest of the World 0 West India 35.0
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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