LIC Housing Finance Ltd.

Financial

	LIC Housing Finance	L&T Finance	Housing & Urban Dev.
Operational Metrics
Banking Sector
Net Interest Margin	3.0 %	9.14 %	3.18 %
Capital to Risks Assets Ratio (CRAR)	19.77 %	22.84 %	73.79 %
Tier I Capital	18.11 %	21.02 %	73.64 %
NBFC
Cost To Income Ratio	12.2 %	40.1 %	11.4 %
Cost of Borrowing	7.7 %	7.82 %	7.7 %
Gross NPA	4.26 %	3.15 %	3.14 %
Net NPA	2.75 %	0.79 %	0.44 %
Financials
5 yr Average ROE	12.24 %	9.24 %	11.89 %
5yr average Equity Multiplier	11.18	6.19	5.9
5yr Average Asset Turnover Ratio	0.08	0.12	0.09
5yr Avg Net Profit Margin	12.82 %	11.62 %	22.91 %
5yr Avg Net Profit Margin	12.82 %	11.62 %	22.91 %
5yr CAGR Net Profit	3.51 %	-6.12 %	7.6 %
5yr CAGR Sales	5.49 %	1.7 %	5.04 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.19	1.73	2.72
P/E	7.16	17.49	20.82
Shareholdings
Promoter Holding	45.24 %	65.86 %	75.0 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	4.93 %	2.24 %	-14.81 %
Change in Mutual Fund Holding (3 Yrs)	7.21 %	2.62 %	1.72 %

Business

	LIC Housing Finance	L&T Finance	Housing & Urban Dev.
Product Wise Break-Up	Product Wise Break-Up Interest Income 99.22 Fee and commission income 0.24 Fees & Commission Income 0 Rental Income 0 Dividend Income 0 Others 0.54	-	Product Wise Break-Up Fees & Commission Income 0 Rental Income 0.73 Dividend Income 0.01 Interest Income 98.38 Fee and commission income 0 Others 0.88
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Non Convertible Debentures 52.0 Loan From Banks 35.0 Commercial Papers 4.0 Refinance 4.0 Public Deposit 4.0 Upper Tier II Bonds 1.0 Term Loans from LIC of India/HUDCO 0 Subordinated Bonds (Tier II) 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 Non Convertible Debentures 0 Banking 31.72 Subordinated Bonds (Tier II) 0 Commercial Papers 0 Taxable Bonds 16.36 Foreign Currency Borrowings 0 Public Deposit 0 Upper Tier II Bonds 0 FCL/FCTL/FCNR(B) (Loan from Banks) 0 Public Deposits 0 Loan From Banks 0 Refinance 1.02 Refinance 0 Tax Free Bonds 20.36 Commercial papers 0 Term Loans from LIC of India/HUDCO 0 Others 30.54
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
AUM Break-Up - NBFC	AUM Break-Up - NBFC Home loans 84.9 Retail 9.8 Developer Loans 3.0 Others 2.3	-	-

LIC Housing Finance Ltd.

SIGN UP FOR FREE