LIC Housing Finance Ltd.

Financial

	LIC Housing Finance	PNB Housing Finance	Housing & Urban Dev.
Operational Metrics
Banking Sector
Net Interest Margin	2.73 %	3.74 %	3.22 %
Capital to Risks Assets Ratio (CRAR)	21.49 %	29.68 %	86.61 %
Tier I Capital	20.0 %	28.96 %	57.53 %
NBFC
Cost To Income Ratio	12.9 %	26.2 %	11.4 %
Cost of Borrowing	7.73 %	7.76 %	7.44 %
Gross NPA	2.47 %	1.06 %	1.67 %
Net NPA	2.75 %	0.69 %	0.25 %
Financials
5 yr Average ROE	12.28 %	9.99 %	12.29 %
5yr average Equity Multiplier	10.57	6.09	5.69
5yr Average Asset Turnover Ratio	0.08	0.1	0.09
5yr Avg Net Profit Margin	13.51 %	17.68 %	24.1 %
5yr Avg Net Profit Margin	13.51 %	17.68 %	24.1 %
5yr CAGR Net Profit	14.72 %	15.8 %	4.38 %
5yr CAGR Sales	6.68 %	0.51 %	1.5 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.89	1.52	2.37
P/E	5.93	12.61	15.69
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 97.52 Fee and commission income 0.28 Fees & Commission Income 0 Rental Income 0 Dividend Income 0 Others 2.2	-	Product Wise Break-Up Rental Income 0.5 Fee and commission income 0 Fees & Commission Income 0 Interest Income 99.15 Dividend Income 0 Others 0.35
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Non Convertible Debentures 55.0 Loan From Banks 32.0 Commercial Papers 5.0 Refinance 4.0 Public Deposit 3.0 Upper Tier II Bonds 1.0 Term Loans from LIC of India/HUDCO 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	Borrowing Break-Up - NBFC Refinance from NHB 0 Public Deposits 0 NHB 14.7 Foreign Currency Borrowings 0 ECB 4.6 Refinance 0 Tax Free Bonds 0 Taxable Bonds 0 Public Deposit 0 Commercial Papers 0 Loan From Banks 0 FCL/FCTL/FCNR(B) (Loan from Banks) 0 Term Loans from LIC of India/HUDCO 0 Banks 0 Commercial papers 0 Deposits 28.5 CP 6.9 Non Convertible Debentures 0 Upper Tier II Bonds 0 NCD 9.7 Subordinated Bonds (Tier II) 0 Bank Loan 35.6	Borrowing Break-Up - NBFC Refinance 0.27 Public Deposits 0 NHB Refinance 0 Foreign Currency Borrowings 0 ECBs 0 Refinance 0 Tax Free Bonds 11.53 Taxable Bonds 21.98 Public Deposit 0 Commercial Papers 0 Loan From Banks 0 Loan From Banks 14.51 Term Loans from LIC of India/HUDCO 0 Banking 26.48 Commercial papers 0 Deposits 0 CP 0 Non Convertible Debentures 0 Upper Tier II Bonds 0 NCD 0 Subordinated Bonds (Tier II) 0 Bank Term Loans 0 Others 25.23
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 35.0 Rest of the World 0 South India 30.0 India 0 North India 35.0	Location Wise Break-Up West India 0 Rest of the World 0 South India 0 India 100.0 North India 0
AUM Break-Up - NBFC	AUM Break-Up - NBFC Home loans 85.0 Retail 10.3 Developer Loans 3.0 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 1.7	AUM Break-Up - NBFC Non-Housing Loan 28.7 Retail Loan Against Property 0 Retail 0 Retail Non- residental Premises Loans 0 Construction Finance(Housing Loan) 0 Home loans 71.3 Home loans 0 Developer Loans 0	-

LIC Housing Finance Ltd.

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