Housing & Urban Development Corporation Ltd. benchmarking: Perfomance to industry peers

Financial

	Housing & Urban Dev.	LIC Housing Finance	PNB Housing Finance
Operational Metrics
Banks
Net Interest Margin	2.94 %	2.62 %	3.74 %
Capital to Risks Assets Ratio (CRAR)	41.72 %	23.2 %	29.68 %
Tier I Capital	46.55 %	21.7 %	28.96 %
NBFC
Cost To Income Ratio	11.4 %	13.9 %	25.9 %
Cost of Borrowing	7.07 %	7.42 %	7.76 %
Net NPA	0.09 %	2.75 %	0.69 %
Gross NPA	1.34 %	2.51 %	1.06 %
Financials
5 yr Average ROE	12.53 %	12.65 %	9.99 %
5yr average Equity Multiplier	5.89	9.92	6.09
5yr Average Asset Turnover Ratio	0.09	0.08	0.1
5yr Avg Net Profit Margin	24.82 %	14.96 %	17.68 %
5yr Avg Net Profit Margin	24.82 %	14.96 %	17.68 %
5yr CAGR Net Profit	11.41 %	14.71 %	15.8 %
5yr CAGR Sales	7.59 %	7.17 %	0.51 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.64	0.82	1.36
P/E	17.07	5.74	11.39
Shareholdings
Promoter Holding	75.0 %	45.24 %	28.04 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-6.81 %	0.0	-4.53 %
Change in Mutual Fund Holding (3 Yrs)	0.99 %	3.86 %	26.99 %

Business

	Housing & Urban Dev.	LIC Housing Finance	PNB Housing Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 99.57 Rental Income 0.43 Fees & Commission Income 0 Dividend Income 0 Fee and commission income 0	Product Wise Break-Up Interest Income 98.08 Dividend Income 0 Rental Income 0 Fees & Commission Income 0 Fee and commission income 0.32 Others 1.6	-
Loan Break-Up	Loan Break-Up Urban Infrastructure 64.92 Housing 35.08 HUDCO Niwas 0	-	-
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Banking 28.5 Taxable Bonds 22.89 Loan From Banks 11.93 Tax Free Bonds 10.63 Refinance 0.25 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 25.8	Borrowing Break-Up - NBFC Refinance 0 Deposits 0 Public Deposit 4.0 Taxable Bonds 0 Upper Tier II Bonds 0 Term Loans from LIC of India/HUDCO 0 NCD 0 Bank Term Loans 0 Refinance 4.0 Loan From Banks 0 Public Deposits 0 Subordinated Bonds (Tier II) 0 Loan From Banks 35.0 Non Convertible Debentures 53.0 CP 0 NHB Refinance 0 ECBs 0 Commercial papers 0 Foreign Currency Borrowings 0 Commercial Paper 0 Banking 0 Tax Free Bonds 0 Others 4.0	Borrowing Break-Up - NBFC Refinance 0 Deposits 28.0 Public Deposit 0 Taxable Bonds 0 Upper Tier II Bonds 0 Term Loans from LIC of India/HUDCO 0 NCD 10.8 Bank Loan 36.1 Refinances from NHB 0 Loan From Banks 0 Public Deposits 0 Subordinated Bonds (Tier II) 0 Loans from Scheduled Banks 0 Non Convertible Debentures 0 CP 5.4 NHB 13.9 ECB 5.8 Commercial papers 0 Foreign Currency Borrowings 0 Commercial Paper 0 Banking 0 Tax Free Bonds 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 West India 0 North India 0 Rest of the World 0 South India 0 India 100.0	Location Wise Break-Up West India 27.0 North India 35.0 Rest of the World 0 South India 38.0 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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