LIC Housing Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	LIC Housing Finance	PNB Housing Finance	Housing & Urban Dev.
Operational Metrics
Banks
Net Interest Margin	2.62 %	3.67 %	2.98 %
Capital to Risks Assets Ratio (CRAR)	23.2 %	29.8 %	38.03 %
Tier I Capital	21.7 %	29.21 %	46.55 %
NBFC
Cost To Income Ratio	13.9 %	25.9 %	11.4 %
Cost of Borrowing	7.42 %	7.69 %	7.04 %
Gross NPA	2.51 %	1.04 %	1.21 %
Net NPA	2.75 %	0.69 %	0.07 %
Financials
5 yr Average ROE	12.65 %	9.99 %	12.53 %
5yr average Equity Multiplier	9.92	6.09	5.89
5yr Average Asset Turnover Ratio	0.08	0.1	0.09
5yr Avg Net Profit Margin	14.96 %	17.68 %	24.82 %
5yr Avg Net Profit Margin	14.96 %	17.68 %	24.82 %
5yr CAGR Net Profit	14.71 %	15.8 %	11.41 %
5yr CAGR Sales	7.17 %	0.51 %	7.59 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.75	1.41	2.39
P/E	5.26	11.79	15.36
Shareholdings
Promoter Holding	45.24 %	28.04 %	75.0 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-4.53 %	-6.81 %
Change in Mutual Fund Holding (3 Yrs)	3.86 %	26.99 %	0.99 %

Business

	LIC Housing Finance	PNB Housing Finance	Housing & Urban Dev.
Product Wise Break-Up	Product Wise Break-Up Interest Income 98.08 Fee and commission income 0.32 Fees & Commission Income 0 Rental Income 0 Dividend Income 0 Others 1.6	-	Product Wise Break-Up Interest Income 99.33 Rental Income 0.4 Fee and commission income 0 Fees & Commission Income 0 Dividend Income 0.25 Others 0.02
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Non Convertible Debentures 53.0 Loan From Banks 35.0 Refinance 4.0 Public Deposit 4.0 Term Loans from LIC of India/HUDCO 0 Commercial Paper 0 Upper Tier II Bonds 0 Subordinated Bonds (Tier II) 0 NCD 0 CP 0 Deposits 0 ECBs 0 Bank Term Loans 0 NHB Refinance 0 Commercial papers 0 FCL/FCTL/FCNR(B) (Loan from Banks) 0 Banks 0 Foreign Currency Borrowings 0 Public Deposits 0 Refinance from NHB 0 Taxable Bonds 0 Tax Free Bonds 0 Others 4.0	Borrowing Break-Up - NBFC CP 5.4 Foreign Currency Borrowings 0 Public Deposit 0 NHB 13.9 Loan From Banks 0 Refinance from NHB 0 Commercial papers 0 Banks 0 FCL/FCTL/FCNR(B) (Loan from Banks) 0 Non Convertible Debentures 0 Taxable Bonds 0 Tax Free Bonds 0 Commercial Paper 0 Public Deposits 0 Subordinated Bonds (Tier II) 0 Upper Tier II Bonds 0 Deposits 28.0 Refinance 0 Term Loans from LIC of India/HUDCO 0 Bank Loan 36.1 NCD 10.8 ECB 5.8	Borrowing Break-Up - NBFC CP 0 Foreign Currency Borrowings 0 Public Deposit 0 NHB Refinance 0 Loan From Banks 0 Refinance 0.98 Commercial papers 0 Banking 31.91 Loan From Banks 10.03 Non Convertible Debentures 0 Taxable Bonds 23.55 Tax Free Bonds 9.7 Commercial Paper 0 Public Deposits 0 Subordinated Bonds (Tier II) 0 Upper Tier II Bonds 0 Deposits 0 Refinance 0 Term Loans from LIC of India/HUDCO 0 Bank Term Loans 0 NCD 0 ECBs 0 Others 23.83
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 India 0 South India 38.0 West India 27.0 Rest of the World 0 North India 35.0	Location Wise Break-Up India 100.0 South India 0 West India 0 Rest of the World 0 North India 0
AUM Break-Up - NBFC	AUM Break-Up - NBFC Home loans 84.7 Retail 10.9 Developer Loans 2.8 Retail Non- residental Premises Loans 0 Retail Loan Against Property 0 Non-Housing Loan 0 Construction Finance(Housing Loan) 0 Individual Housing Loan(Housing Loan) 0 Others 1.6	AUM Break-Up - NBFC Retail Loan Against Property 0 Developer Loans 0 Non-Housing Loan 27.2 Construction Finance(Housing Loan) 0 Home loans 72.8 Home loans 0 Retail Non- residental Premises Loans 0 Retail 0	-

LIC Housing Finance Ltd.

LIC Housing Finance Ltd.

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