LIC Housing Finance Ltd. benchmarking: Performance to industry peers

Financial

	LIC Housing Finance	PNB Housing Finance	Housing & Urban Dev.
Operational Metrics
Banks
Net Interest Margin	2.69 %	3.69 %	2.88 %
Capital to Risks Assets Ratio (CRAR)	24.22 %	27.26 %	38.28 %
Tier I Capital	22.79 %	26.89 %	46.55 %
NBFC
Cost To Income Ratio	15.5 %	27.6 %	11.4 %
Cost of Borrowing	7.28 %	7.35 %	7.13 %
Gross NPA	2.45 %	0.93 %	1.08 %
Net NPA	2.75 %	0.57 %	0.06 %
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	0.81	1.33	2.21
P/E	5.66	11.13	14.32
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	-4.48 %	-6.81 %
Change in Mutual Fund Holding (3 Yrs)	0.49 %	29.26 %	1.33 %

Business

	LIC Housing Finance	PNB Housing Finance	Housing & Urban Dev.
Product Wise Break-Up	Product Wise Break-Up Interest Income 97.83 Fee and commission income 0.37 Fees & Commission Income 0 Rental Income 0 Dividend Income 0 Others 1.8	-	Product Wise Break-Up Fee and commission income 0 Interest Income 99.33 Rental Income 0.4 Dividend Income 0.25 Fees & Commission Income 0 Others 0.02
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Non Convertible Debentures 50.0 Loan From Banks 38.0 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 3.0	Borrowing Break-Up - NBFC Non Convertible Debentures 0 CP 2.9 Commercial papers 0 Taxable Bonds 0 Subordinated Bonds (Tier II) 0 Upper Tier II Bonds 0 ECB 7.6 NHB 14.4 Loan From Banks 0 Public Deposits 0 Banks 0 Refinance from NHB 0 Deposits 25.3 Tax Free Bonds 0 NCD 10.6 Bank Loan 39.2 Foreign Currency Borrowings 0 FCL/FCTL/FCNR(B) (Loan from Banks) 0 Refinance 0 Term Loans from LIC of India/HUDCO 0 Public Deposit 0 Commercial Paper 0	Borrowing Break-Up - NBFC Non Convertible Debentures 0 CP 0 Commercial papers 0 Taxable Bonds 23.55 Subordinated Bonds (Tier II) 0 Upper Tier II Bonds 0 ECBs 0 NHB Refinance 0 Loan From Banks 0 Public Deposits 0 Banking 31.91 Refinance 0.98 Deposits 0 Tax Free Bonds 9.7 NCD 0 Bank Term Loans 0 Foreign Currency Borrowings 0 Loan From Banks 10.03 Refinance 0 Term Loans from LIC of India/HUDCO 0 Public Deposit 0 Commercial Paper 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 South India 35.0 North India 37.0 India 0 Rest of the World 0 West India 28.0	Location Wise Break-Up South India 0 North India 0 India 100.0 Rest of the World 0 West India 0
AUM Break-Up - NBFC	AUM Break-Up - NBFC Home loans 84.6 Retail 11.0 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 Non- residental Premises Loans 0 Home loans 67.6 Non-Housing Loan 32.4 Home loans 0 Construction Finance(Housing Loan) 0 Developer Loans 0 Retail Loan Against Property 0 Retail 0	-

LIC Housing Finance Ltd.

LIC Housing Finance Ltd.

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