LIC Housing Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	LIC Housing Finance	PNB Housing Finance	Housing & Urban Dev.
Operational Metrics
Banking Sector
Net Interest Margin	2.68 %	3.74 %	2.94 %
Capital to Risks Assets Ratio (CRAR)	23.2 %	29.68 %	41.72 %
Tier I Capital	21.7 %	28.96 %	46.55 %
NBFC
Cost To Income Ratio	13.4 %	25.9 %	11.4 %
Cost of Borrowing	7.5 %	7.76 %	7.07 %
Gross NPA	2.62 %	1.06 %	1.34 %
Net NPA	2.75 %	0.69 %	0.09 %
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	0.9	1.33	2.48
P/E	5.93	11.0	16.05
Shareholdings
Promoter Holding	45.24 %	28.08 %	75.0 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-4.49 %	-6.81 %
Change in Mutual Fund Holding (3 Yrs)	5.13 %	25.92 %	0.6 %

Business

	LIC Housing Finance	PNB Housing Finance	Housing & Urban Dev.
Product Wise Break-Up	Product Wise Break-Up Interest Income 98.23 Fee and commission income 0.23 Fees & Commission Income 0 Rental Income 0 Dividend Income 0 Others 1.54	-	Product Wise Break-Up Fees & Commission Income 0 Interest Income 99.57 Dividend Income 0 Fee and commission income 0 Rental Income 0.43
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Non Convertible Debentures 55.0 Loan From Banks 31.0 Refinance 5.0 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 5.0	Borrowing Break-Up - NBFC Banks 0 Tax Free Bonds 0 NCD 9.7 Taxable Bonds 0 Commercial papers 0 Deposits 28.5 NHB 14.7 Foreign Currency Borrowings 0 CP 6.9 Subordinated Bonds (Tier II) 0 Loan From Banks 0 Bank Loan 35.6 Upper Tier II Bonds 0 Public Deposits 0 Refinance from NHB 0 ECB 4.6 Commercial Paper 0 Refinance 0 Term Loans from LIC of India/HUDCO 0 Non Convertible Debentures 0 FCL/FCTL/FCNR(B) (Loan from Banks) 0 Public Deposit 0	Borrowing Break-Up - NBFC Banking 28.5 Tax Free Bonds 10.63 NCD 0 Taxable Bonds 22.89 Commercial papers 0 Deposits 0 NHB Refinance 0 Foreign Currency Borrowings 0 CP 0 Subordinated Bonds (Tier II) 0 Loan From Banks 0 Bank Term Loans 0 Upper Tier II Bonds 0 Public Deposits 0 Refinance 0.25 ECBs 0 Commercial Paper 0 Refinance 0 Term Loans from LIC of India/HUDCO 0 Non Convertible Debentures 0 Loan From Banks 11.93 Public Deposit 0 Others 25.8
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 North India 35.0 Rest of the World 0 South India 30.0 West India 35.0	Location Wise Break-Up India 100.0 North India 0 Rest of the World 0 South India 0 West India 0
AUM Break-Up - NBFC	AUM Break-Up - NBFC Home loans 84.8 Retail 10.7 Developer Loans 2.9 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 Home loans 71.3 Construction Finance(Housing Loan) 0 Developer Loans 0 Non-Housing Loan 28.7 Retail Non- residental Premises Loans 0 Home loans 0 Retail 0 Retail Loan Against Property 0	-

LIC Housing Finance Ltd.

LIC Housing Finance Ltd.

Financial

Business

SIGN UP FOR FREE