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

Financial

	Housing & Urban Dev.	LIC Housing Finance	PNB Housing Finance
Operational Metrics
Banks
Net Interest Margin	2.91 %	2.8 %	3.69 %
Capital to Risks Assets Ratio (CRAR)	39.93 %	24.22 %	27.26 %
Tier I Capital	46.55 %	22.79 %	26.89 %
NBFC
Cost To Income Ratio	11.4 %	15.5 %	27.6 %
Cost of Borrowing	7.17 %	6.86 %	7.35 %
Net NPA	0.05 %	2.75 %	0.57 %
Gross NPA	1.04 %	2.16 %	0.93 %
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	1.95	0.73	1.48
P/E	10.65	5.38	12.39
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	-4.48 %
Change in Mutual Fund Holding (3 Yrs)	1.33 %	0.49 %	29.26 %

Business

	Housing & Urban Dev.	LIC Housing Finance	PNB Housing Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 99.79 Rental Income 0.2 Fees & Commission Income 0 Dividend Income 0 Fee and commission income 0 Others 0.01	Product Wise Break-Up Rental Income 0 Dividend Income 0 Fees & Commission Income 0 Interest Income 97.31 Fee and commission income 0.64 Others 2.05	-
Loan Break-Up	Loan Break-Up Urban Infrastructure 73.84 Housing 26.16 HUDCO Niwas 0	-	-
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Banking 31.91 Taxable Bonds 23.55 Loan From Banks 10.03 Tax Free Bonds 9.7 Refinance 0.98 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 23.83	Borrowing Break-Up - NBFC Upper Tier II Bonds 0 Loan From Banks 0 Commercial papers 0 Foreign Currency Borrowings 0 Non Convertible Debentures 46.0 Subordinated Bonds (Tier II) 0 Loan From Banks 39.0 Commercial Paper 0 Deposits 0 Term Loans from LIC of India/HUDCO 0 CP 0 Refinance 7.0 Refinance 0 ECBs 0 NHB Refinance 0 Banking 0 Tax Free Bonds 0 Public Deposits 0 NCD 0 Public Deposit 4.0 Taxable Bonds 0 Bank Term Loans 0 Others 4.0	Borrowing Break-Up - NBFC Upper Tier II Bonds 0 Loan From Banks 0 Commercial papers 0 Foreign Currency Borrowings 0 Non Convertible Debentures 0 Subordinated Bonds (Tier II) 0 Loans from Scheduled Banks 0 Commercial Paper 0 Deposits 25.3 Term Loans from LIC of India/HUDCO 0 CP 2.9 Refinances from NHB 0 Refinance 0 ECB 7.6 NHB 14.4 Banking 0 Tax Free Bonds 0 Public Deposits 0 NCD 10.6 Public Deposit 0 Taxable Bonds 0 Bank Loan 39.2
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 Rest of the World 0 West India 0 India 100.0 North India 0 South India 0	Location Wise Break-Up Rest of the World 0 West India 28.0 India 0 North India 37.0 South 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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