Presentation Structure
|
|
- Colin Chapman
- 5 years ago
- Views:
Transcription
1 Enabling Access
2 Presentation Structure Housing & Housing Finance About DHFL Aadhar A New Initiative Potential Challenge The Business Model Road Map
3 Importance of Housing
4 Role of Housing Finance Even in the best of environments, housing is a major purchase average home prices typically range from 4 times annual income in developed countries to 8 times annual income in emerging economies. (Ball, 2003). Provision of housing finance is a binding constraint that must be addressed before the market can sustainably provide adequate housing. In the absence of a well-functioning housing finance system, other housing or housing finance solutions are possible such as subsidies and the outright provision of public housing but these can be unsustainable (Quigley, 2000)
5 Founded by Late Shri Rajesh Kumar Wadhawan in DHFL today has presence in 219 locations across India through its branches and service centre, along with 2 international representative offices in Dubai & London Tie-ups in 3 public sector banks provide an additional reach across 123 locations.
6 Our Vision: To meet the housing requirements of the large middle and lower income segment of the population. This segment found it Impossible to get loans on fair terms We Believed that they could be Trusted This Belief was Profitable
7 Our Financials Financial Highlights as on 31 st March 2010 Profit after tax is at $ 35 million which has increased by 65 % as compared to last year. Net Interest margin is 3.00 % Net Non performing asset % stood at 0.88 % which in F.Y stood at 1.30 % Balance Sheet Size of $ mn. High credit ratings P1+ (CRISIL) for short term debt, AA+ (CARE) for fixed deposits and nonconvertible debentures. Customer Profile Average loan size disbursed is $10000 Majority of the customer in the income group of $ 175 to $ 550 per month PAT (Rs.mn) FY 05 FY 06 FY 07 FY 08 FY 09 FY 10 ROE (%) FY 06 FY 07 FY 08 FY 09 FY 10 Net NPA (%) FY 06 FY 07 FY 08 FY 09 FY 10
8 Capability Matrix Trained Manpower Strong Credit Customer Focus Service Delivery Efficient Operations Information Technology
9 Limited Impact: Subprime Crisis The DHFL Story: Asset Liability Mismatch Low NPA Refinancing facility from National Housing Bank (NHB) Limited impact of subprime crisis on India Aggressive Growth in assets and profits wherein PAT in the F.Y grew by 40 %, And in grew by 65%.
10 Aadhar A DHFL & IFC Venture Objective: To create a Housing Finance company which provides access to Housing Finance to lower income segment of India s population with income levels between $ 1300 p.a. to $.5300 p.a. The company would operate in the urban, semi-urban and rural areas. In Phase -1, this Company will focus on the identified 6 States which are, Madhya Pradesh, Uttar Pradesh, Bihar, Chhattisgarh, Orissa and Jharkhand.
11 Potential 2005 (household income) 2010 (household income) 22 million Rich (A) Income over Rs 2,42,000 p.a. CAGR = 11% Rich (A) Income over Rs 2,42,000 p.a. 37 million 16 million Consuming Class (B) Income Rs 2,11,200 Rs 2,42,000 p.a. CAGR = 6% Consuming Class (B) Income Rs 2,11,200 Rs 2,42,000 p.a. 21 million 34 million Climbers (C) Income Rs 1.33,672 Rs 2,11,200 p.a. CAGR = 8% Climbers (C) Income Rs 1,33,672 Rs 2,11,200 p.a. 49 million 80 million Aspirants (D) CAGR = 0% Income Rs 71,280 Rs 1,33,672 p.a. Aspirants (D) Income Rs 71,280 Rs 1,33,672 p.a. 80 million 53 million Poor (E) Income less than Rs 71,280 p.a. CAGR = (9)% Poor (E) Income less than Rs 71,280 p.a. 35 million Source: National Council of Applied Economic Research, 2005 Figures in brackets indicate annual household income Source: Business world, NCAER 1 US$ = Rs 44 5/25/2010 New Co.-DHFL & IFC Initiative 11
12 Potential 2% 8% 3% 6% Rising per capita income The per capital income in the Six states is on the rise. 67% 11% 4% As per census 2001, 1/3rd of the countries population reside in these states. These states as percentage of the total credit Disbursed in country contributed only 9.4 %. Credit per office is very Low in these states as compared to overall credit per office $8.21 mn on all India basis. Chattisgardh Bihar Jharkhand Madhya Pradesh Uttar Pradesh Orrisa Rest Census 2001 Total Credit as on Mar-09 State % share Avg* Bihar Jharkhand Orissa Chhattisgarh Madhya Pradesh Uttar Pradesh Rest Source: Reserve Bank of India
13 Potential cont Each of these states aim to promote rapid industrialization in the State Develop necessary infrastructure facilities(power, Roads, IT, Etc); and generate adequate employment opportunities. The Government has undertaken several policy measures and incentives so as to provide ample business opportunities. Committee on Infrastructure (CoI) has estimated the investment requirements for some of the key infrastructure sectors, to be achieved by These include:- Rs.2,20,000 crore for Modernization and up gradation of highways; Rs.40,000 crore for civil aviation; Rs.50,000 crore for ports; and Rs.3,00,000 crore for railways.
14 Challenge Specific Urban population is on an average at less than 20% for all six states. Poverty is approximately at 40 percent as compared to overall 25 percent. Thus affordability would be a problem. Credit Risk Clear Property Title Macro level Lack of Secondary market (Securitization) Robust Legal System Credit Information System House Price Index
15 The Business Model An Inclusive Model, incorporating DHFL learning Aadhar Internal Customer Relations In-house Credit & Technical Appraisal Legal Appraisal through empanelled lawyers Local Builder Customer Government In-House Collections & Recoveries Complete solution provider matching customer Cash flow Aid Agencies Business model would aim at bringing affordability, Cost to serve, and Matching customer Cash flow.
16 5 Years Road Map To be a trusted and respected name in this segment To disburse loans to customers by F.Y Non Performing Asset of less than 1 percent Break even in end of 3 rd year of operations PAT of $4 mn in F.Y $ 450 mn company by F.Y
ICRA Credit Perspective September 2016
GRUH FINANCE LIMITED Rating Action Short term rating [ICRA]A1+/Reaffirmed Medium term rating MAAA(stable)/Reaffirmed Long term rating [ICRA]AAA (stable)/reaffirmed Total Facilities Rated Refer to Annexure
More informationINVESTOR PRESENTATION FEDERAL BANK
INVESTOR PRESENTATION FY 2010-11 Fourth Quarter & Annual Results as on 31.03.2011 PERFORMANCE HIGHLIGHTS Q4 FY 11 FY 2011 (YOY growth) (YOY growth) Net Interest Income Fee Income Total Income Net Profit
More informationQ2 FY 12 INVESTOR PRESENTATION
Q2 FY 12 INVESTOR PRESENTATION PERFORMANCE HIGHLIGHTS Profitability Measure ROA 1.34 1.15 1.44 11.48% 11.28% 14.29% Shareholder Value Measure ROE 38.60% 38.91% Efficiency Measure COST-INCOME 33.90% 0.68
More informationIndiabulls Housing Finance Limited Unaudited Financial Results Q3 FY January 22, 2014
Indiabulls Housing Finance Limited Unaudited Financial Results Q3 FY 2013-14 January 22, 2014 Safe Harbour Statement This document contains certain forward-looking statements based on current expectations
More informationInvestor Presentation Q3 FY 12
Investor Presentation Q3 FY 12 Performance Highlights Profitability Measure ROA 1.30 1.44 1.41 11.37 14.29 14.56 Shareholder Value Measure ROE 37.30 38.91 37.13 Efficiency Measure COST-INCOME 0.81 0.58
More informationINVESTOR PRESENTATION FEDERAL BANK FY
INVESTOR PRESENTATION FY 2010-11 Second Quarter Results as on 30.09.2010 PERFORMANCE HIGHLIGHTS (Q2 FY 2011 vs Q2 FY 2010) Net Interest Income up by 32.86 % from Rs.329.95 Cr to Rs.438.37 Cr Operating
More informationHousing Development Finance Corporation Limited
Housing Development Finance Corporation Limited June 2015 CONTENTS HDFC Snapshot Mortgage Market in India Operational and Financial Highlights: Mortgages Valuations and Shareholding Financials: Standalone
More informationIndiabulls Housing Finance Limited (CIN: L65922DL2005PLC136029) Audited Financial Results FY April 23, 2014
Indiabulls Housing Finance Limited (CIN: L65922DL2005PLC136029) Audited Financial Results FY 2013-14 April 23, 2014 Safe Harbour Statement This document contains certain forward-looking statements based
More informationHousing Development Finance Corporation Limited
Housing Development Finance Corporation Limited March 2015 CONTENTS HDFC Snapshot Mortgage Market in India Operational and Financial Highlights: Mortgages Valuations and Shareholding Key Subsidiaries and
More informationCan Fin Homes Ltd. October 13, CMP (Rs.) 526. Key Events
Oct-16 Nov-16 Dec-16 Jan-17 Feb-17 Mar-17 Apr-17 May-17 Jun-17 Jul-17 Aug-17 Sep-17 Oct-17 s. Can Fin Homes Ltd.. October 13, 2017 BSE Code: 511196 NSE Code: CANFINHOME Reuters Code: CNFH.NS Bloomberg
More informationHousing Development Finance Corporation Limited
Housing Development Finance Corporation Limited March 2016 CONTENTS HDFC Snapshot Mortgage Market in India Operational and Financial Highlights: Mortgages Valuations and Shareholding Financials: Standalone
More informationFY First Quarter Results. Investor Presentation
FY 2009-10 First Quarter Results Investor Presentation 1 Performance Highlights Q1FY10 Net Profit Net Interest Income Fee Income Operating Revenue Operating Profit 70% YOY 29% YOY 17% YOY 40% YOY 47% YOY
More informationUjjivan Financial Services Ltd.
IPO Note: Ujjivan Financial Services Ltd. Industry: Microfinance Recommendation: Subscribe Date: April 25, 2016 Issue Snapshot Company Name Ujjivan Financial Services Ltd. Issue Opens April 28, 2016 to
More informationMUTHOOT FINANCE LIMITED
Financial Results Q3 FY December 2017 MUTHOOT FINANCE LIMITED SAFE HARBOUR STATEMENT This presentation may include statements, which may constitute forward-looking statements. All statements that address
More informationIndiabulls Housing Finance Limited Unaudited Financial Results Q1 FY July 18, 2013
Indiabulls Housing Finance Limited Unaudited Financial Results Q1 FY 2013-14 July 18, 2013 Safe Harbour Statement This document contains certain forward-looking statements based on current expectations
More informationVADILAL INDUSTRIES Q2 & H1FY16 Results Presentation
VADILAL INDUSTRIES Q2 & H1FY16 Results Presentation Disclaimer 2 Certain statements in this document may be forward-looking statements. Such forward-looking statements are subject to certain risks and
More informationFY Annual Results. Investor Presentation
FY 2011-12 Annual Results Investor Presentation Performance Highlights Q4FY12 12M FY12 Net Profit 25% YOY 25% YOY Net Interest Income 26% YOY 22% YOY Fee Income 8% YOY 25% YOY Operating Revenue 18% YOY
More informationFinancial Results Q1 FY July 28, 2015
Financial Results Q1 FY 2015-16 July 28, 2015 A Step Towards Digitalization 2 Performance Highlights Business Opex Profitability Global Business increased by 8.6% to ` 582817 crore Savings Deposits grew
More informationBUY SIMPLEX INFRASTRUCTURES LTD SYNOPSIS. CMP Target Price FEBRUARY 28 th Result Update (PARENT BASIS): Q3 FY15
BUY CMP 408.40 Target Price 460.00 SIMPLEX INFRASTRUCTURES LIMITED Result Update (PARENT BASIS): Q3 FY15 FEBRUARY 28 th 2015 ISIN: INE059B01024 Index Details Stock Data Sector Construction & Engineering
More informationSECTOR ASSESSMENT (SUMMARY): CHHATTISGARH ROAD SECTOR. 1. Sector Performance, Problems, and Opportunities
Chhattisgarh State Road Sector Project (RRP IND 44427) Sector Road Map SECTOR ASSESSMENT (SUMMARY): CHHATTISGARH ROAD SECTOR 1. Sector Performance, Problems, and Opportunities 1. The state of Chhattisgarh
More informationFinancial Results Q2 & H1 FY November 06, 2015
Financial Results Q2 & H1 FY 2015-16 November 06, 2015 Highest Gainer in Brand Value Brand value rises 72% on accelerated digitalization efforts. 2 Structural Transformation Initiative 3 Performance Highlights
More informationSrei Infrastructure Finance Limited Result Update Q3 FY12
(In INR Mn) Srei Infrastructure Finance Limited Result Update Q3 FY12 Contents Business Verticals Key Highlights Annual Results Srei BNP Paribas Srei (Standalone) Srei (Consolidated) Investments Update
More informationCanFin Homes. Turning over a new leaf CMP: Rs134. Reco: Buy
Visit us at www.sharekhan.com December 04, 2012 Reco: Buy Turning over a new leaf CMP: Rs134 Price target: Market cap: Public & others 53% Company details 52-week high/low: NSE volume: (no. of shares)
More informationPress Release BANK OF BARODA ANNOUNCES FINANCIAL RESULTS FOR Q1 FY 2018 Highlights (Standalone Basis) Bank posted Operating Profit of INR 2,648 crore during Q1 FY18. Profit after Tax (PAT) at INR 203 crore
More informationQ4 FY 13. Investor Information
Q4 FY 13 Investor Information Key Messages : FY 13 Retail Advance grew by 25.47% (12.58%) SME Advance grew by 22.44% (9.49%) Retail & SME Customer base increased by 79.8% in 12 months (32.90%) Other Income
More informationBUY. NCC LIMITED Result Update (CONSOLIDATED): Q1 FY16 SYNOPSIS. CMP Target Price SEPTEMBER 21 st, 2015 ISIN: INE868B01028
BUY CMP 68.20 Target Price 78.00 NCC LIMITED Result Update (CONSOLIDATED): Q1 FY16 SEPTEMBER 21 st, 2015 ISIN: INE868B01028 Index Details Stock Data Sector Construction & Engineering BSE Code 500294 Face
More informationPEER GROUPS CMP MARKET CAP EPS P/E (X) P/BV(X) DIVIDEND Company Name (Rs.) Rs. in mn. (Rs.) Ratio Ratio (%)
BUY CMP 85.15 Target Price 98.00 PATEL INTEGRATED LOGISTICS LTD Result Update (PARENT BASIS): Q4 FY15 JULY 1 st 2015 ISIN: INE529D01014 Index Details Stock Data Sector Surface Transportation BSE Code 526381
More informationAssessment of Demand for Home Loan (Secured) in Sonepat, Panipat and Agra
Assessment of Demand for Home Loan (Secured) in Sonepat, Panipat and Agra Akshat Kumar Goel PGDM No. 14013 Student PGDM 2014-16, SDMIMD, Mysuru akshatkumar14013@sdmimd.ac.in R. Sugant Associate Professor
More informationFinancial Results Q4-10 & FY Analyst Presentation
Financial Results Q4-10 & FY 2010 Analyst Presentation 6th May, 2010 HIGHLIGHTS OF BUSINESS GROWTH Total Business increased from Rs.236968 Cr. to Rs.291289 Cr. an increase of 22.92% Total Deposits registered
More informationInvestor Presentation Q2 FY November 2017
Investor Presentation Q2 FY 2017-18 November 2017 Disclaimer 2 This presentation is confidential and may not be copied, published, distributed or transmitted. The information in this presentation is being
More informationMUTHOOT FINANCE LIMITED
Financial Results Q1 FY 2018 June 2017 MUTHOOT FINANCE LIMITED SAFE HARBOUR STATEMENT This presentation may include statements, which may constitute forward-looking statements. All statements that address
More informationKey Milestones. Obtained NHB license for loans and deposits. Company commenced operations.
Key Milestones 1988 Obtained NHB license for loans and deposits. Company commenced operations. 1994 Crossed INR 100 Crores loan portfolio. 1997 Crossed INR 100 Crores retail deposit. 2003 Notified under
More informationCREDIT RATING REPORT. Gruh Finance Limited
CREDIT RATING REPORT Gruh Finance Limited September 016 1 Instruments & ratings Non-Convertible Debenture aggregating Rs.13.5 Billion Rs.1.5 Billion Subordinated Debt Issue Fixed Deposit Programme Rs.44.5
More informationDewan Housing Finance
4QFY2016 Result Update HFC May 6, 2016 Dewan Housing Finance Performance Highlights Particulars (` cr) 4QFY16 3QFY16 % chg (qoq) 4QFY15 % chg (yoy) NII 486 465 4.6 405 19.9 Pre-prov. profit 333 328 1.4
More informationIndian Home Loans Market
Indian Home Loans Market 2 Indian Housing Landscape Fiscal Incentives Tax incentives/subsidies for buyers/developers Regulator RERA to bring greater transparency and discipline Government Push Housing
More informationBANK OF INDIA ANNOUNCES FINANCIAL RESULTS FOR QUARTER JUNE, 2016 (Q1, FY 17) PRESS RELEASE. Highlights (on Standalone basis)
BANK OF INDIA ANNOUNCES FINANCIAL RESULTS FOR QUARTER JUNE, 2016 (Q1, FY 17) PRESS RELEASE Highlights (on Standalone basis) Total business of the Bank stood at Rs.885,573 crore as of June 2016 as compared
More informationGeneral Insurance Corporation of India Ltd.
General Insurance Corporation of India Ltd. Reco: Subscribe 10 th October, 2017 Fresh Issue of 1.72 Crore Equity Shares & Offer For Sale of 10.75 Crore Equity Shares of FV Rs 5/- each (Rs. 11,372 Crs)
More informationHousing Finance Sector
04 Oct, 2010 Housing Finance Sector Investment Thesis Housing industry has witnessed robust growth in the past few years owing to continuous growth in population, migration towards urban areas, growing
More informationHousing Development Finance Corporation Limited
Housing Development Finance Corporation Limited March 2017 CONTENTS HDFC Snapshot Mortgage Market in India Operational and Financial Highlights: Mortgages Valuations and Shareholding Financials: Standalone
More informationOPERATIONAL EFFICIENCY OF REGIONAL RURAL BANKS AND OTHER COMMERCIAL BANKS OF ODISHA INDIA: A COMPARATIVE STUDY
OPERATIONAL EFFICIENCY OF REGIONAL RURAL BANKS AND OTHER COMMERCIAL BANKS OF ODISHA INDIA: A COMPARATIVE STUDY Prof. RN Subudhi & Jitendra K. Ram School of Management, KIIT University Bhubaneswar, India
More informationUTKARSH VOICE Q1 [FY 17-18] : Volume-9, Issue-1
Q1 FY 2017-18 Highlights The closure of Q1, FY 2017-18 was marked with a milestone of crossing customer deposits of 100 Crore under the Liabilities business of the Bank. In order to further augment the
More informationBajaj Corp. Sales inline; soft A&P & higher other income aids PAT. Q3FY17 Result Update. Sector: FMCG. CMP: ` 385 Recommendation: BUY
Bajaj Corp Q3FY17 Result Update Sales inline; soft A&P & higher other income aids PAT Sector: FMCG CMP: ` 385 Recommendation: BUY Market statistics Current stock price (`) 385 Shares O/S (cr.) 14.8 Mcap
More informationPEER GROUPS CMP MARKET CAP EPS P/E (X) P/BV(X) DIVIDEND Company Name (Rs.) Rs. in mn. (Rs.) Ratio Ratio (%)
BUY CMP 212.10 Target Price 242.00 MUTHOOT CAPITAL SERVICES LTD. Result Update (PARENT BASIS): Q2 FY15 DECEMBER 6 th 2014 ISIN: INE296G01013 Index Details Stock Data Sector FINANCE (NBFC) BSE Code 511766
More informationBajaj Corp Q2FY18 Result Update ADHO volume picks up; Nomarks to perform in coming qtrs
Bajaj Corp Q2FY18 Result Update ADHO volume picks up; Nomarks to perform in coming qtrs Sector: FMCG CMP: Rs 413 Recommendation: BUY Market statistics Current stock price (Rs ) 413 Shares O/S (cr.) 14.8
More informationThe Bank that begins with Financial Results Q3 & 9Months, F.Y
The Bank that begins with Financial Results Q3 & 9Months, F.Y. 2012-13 Concall with Analysts 4 th March, 2013 Performance Highlights Mar - 2012 Dec - 2011 Dec - 2012 Percent 152989 157682 Total Business
More informationMUTHOOT FINANCE LIMITED
Financial Results Q2 FY 2018 September 2017 MUTHOOT FINANCE LIMITED SAFE HARBOUR STATEMENT This presentation may include statements, which may constitute forward-looking statements. All statements that
More informationPerformance Review. May 3, 2002
Performance Review May 3, 2002 Agenda ICICI Bank today Retail banking Corporate banking & structured finance Merger process Financial performance 2 ICICI Bank today Large capital base Vast talent pool
More informationRef: SEC/MFL/SE/2018/2901 September 04, We herewith enclose a copy of the investor presentation for the Quarter ended June 30, 2018.
Scrip Code: 533398 Symbol: MUTHOOTFIN Ref: SEC/MFL/SE/2018/2901 September 04, 2018 National Stock Exchange of India Ltd. Exchange Plaza, Plot no. C/1, G Block, Bandra-Kurla Complex Bandra (E), Mumbai -
More informationGIC Housing Finance Ltd.
Apr-14 May-14 Jun-14 Jul-14 Aug-14 Sep-14 Oct-14 Nov-14 Dec-14 Jan-15 Feb-15 Mar-15 Apr-15. Volume No.. I Issue No. 12 GIC Housing Finance Ltd. April 17 th, 2015 BSE Code: 511676 NSE Code: GICHSGFIN Reuters
More informationRating Rationale Western India Transport Finance Company Pvt. Ltd. (WITFIN) Ratings
Rating Rationale Western India Transport Finance Company Pvt. Ltd. (WITFIN) Ratings Instrument Amount (Rs. crore) Long Term Bank Facilities 35.00 (Rupees Thirty Five crore only) Rating 1 CARE BBB- (Triple
More informationThe Bank that begins with Financial Results Q1, F.Y
The Bank that begins with Financial Results Q1, F.Y. 2012-13 Analyst Meet August 8 th, 2012 Performance Highlights Jun - 2011 Jun - 2012 Percent 153264 Total Business 130201 17.7 Deposit 77104 89639 16.3
More informationICICI Group: Strategy & Performance. Motilal Oswal Conference September 2, 2013
ICICI Group: Strategy & Performance Motilal Oswal Conference September 2, 2013 Certain statements in these slides are forward-looking statements. These statements are based on management's current expectations
More informationROLE OF PRIVATE SECTOR BANKS FOR FINANCIAL INCLUSION
270 ROLE OF PRIVATE SECTOR BANKS FOR FINANCIAL INCLUSION ABSTRACT DR. BIMAL ANJUM*; RAJESHTIWARI** *Professor and Head, Department of Business Administration, RIMT-IET, Mandi Gobindgarh, Punjab. **Assistant
More informationEXPLANATORY NOTES ON DATA SOURCE AND METHODOLOGY
EXPLANATORY NOTES ON DATA SOURCE AND METHODOLOGY Data Sources The data on State Government Finances are based on the receipts and expenditure data presented in the Budget documents of the State Governments
More informationBihar: What is holding back growth in Bihar? Bihar Development Strategy Workshop, Patna. June 18
Bihar: What is holding back growth in Bihar? Bihar Development Strategy Workshop, Patna. June 18 Ejaz Ghani World Bank. Structure of Presentation How does Bihar compare with other states? What is constraining
More informationDisclosure of information under RTI Act, 2005
Disclosure of information under RTI Act, 2005 In NHB s website, the following is already being displayed and they have been provided by the RESIDEX & Housing Policy Cell: Urban Housing o Housing Under
More informationFOREWORD. Shri A.B. Chakraborty, Officer-in-charge, and Dr.Goutam Chatterjee, Adviser, provided guidance in bringing out the publication.
FOREWORD The publication, Basic Statistical Returns of Scheduled Commercial Banks in India, provides granular data on a number of key parameters of banks. The information is collected from bank branches
More informationFinancial Results Q3/FY February 2019
Financial Results Q3/FY18-19 08 February 2019 HIGHLIGHTS - DEC 2018 Total Business Total Deposit Gross Advance Operating Profit (Q-3) Rs. 291519 Crore Rs. 177906 Crore Rs.113610 Crore Rs. 381 Crore Basel
More informationM&M Financial Services (MMFSL)
April 27, 2011 Result Update KEY DATA Market Cap (INR bn) 79.9 Market Cap (USD mn) 1815.3 52 WK High / Low 913 / 398 Avg Daily Volume (BSE) 83432 Face Value (INR) 10 BSE Sensex 19545 Nifty 5868 BSE Code
More informationBUY. IFB AGRO INDUSTRIES LTD Result Update (PARENT BASIS): Q1 FY16. CMP Target Price SEPTEMBER 30 th 2015 SYNOPSIS
BUY CMP 382.00 Target Price 440.00 IFB AGRO INDUSTRIES LTD Result Update (PARENT BASIS): Q1 FY16 SEPTEMBER 30 th 2015 ISIN: INE076C01018 Index Details Stock Data Sector Breweries & Distilleries BSE Code
More informationAnnual Results FY 08. May 02, 2008
Annual Results May 02, 2008 1 BUSINESS HIGHLIGHTS SBI Group net profit crosses USD 2.24 Billion (Rs 8,960 crore) SBI Stand-alone Net Profit crosses Rs 6,700 crore Net Profit for at Rs 6,729 crore, up by
More informationInvestor Presentation
Investor Presentation Brief History Started operations in November, 1992 as Arman Lease & Finance Private Limited. Converted into a Public Limited company in December, 1993, and had an IPO in 1995. Arman
More informationReaching New Heights in Retail Finance
Reaching New Heights in Retail Finance Oct 2011 1 Magma Fincorp Limited Table of contents Vision Business Overview Board & Management Team Financial Highlights 2 2 CONTINUING TO TURN DREAMS INTO REALITY
More informationMANPASAND BEVERAGES LTD Result Update (PARENT BASIS): Q2 FY18
MANPASAND BEVERAGES LTD Result Update (PARENT BASIS): Q2 FY18 Index Details Stock Data Sector Non-alcoholic Beverages BSE Code 539207 Face Value 10.00 52wk. High / Low (Rs.) 511.83/253.38 Volume (2wk.
More informationINDIABULLS HOUSING FINANCE LIMITED (IBHFL)
INDIABULLS HOUSING FINANCE LIMITED (IBHFL) INVESTMENT RATIONALE The issue offers yields ranging from 8.60 % to 9.15% depending up on the Category of Investor and the option applied for. Opportunity to
More informationAadhar Housing Finance Limited (erstwhile DHFL Vysya Housing Finance Limited) December 04, 2018
Ratings Instrument Proposed Non- Debenture Aadhar Housing Finance Limited (erstwhile DHFL Vysya Housing Finance Limited) December 04, 2018 Amount (Rs. Crore) 500 500 Total (Rs. Five Hundred crore only)
More informationPress Release. For Immediate Release. Consolidated Audited Financial Results for Q4 and FY Ended 31 st March, 2018
Press Release For Immediate Release 03 rd May, 2018, New Delhi Consolidated Audited Financial Results for Q4 and FY 2017-18 Ended 31 st March, 2018 The Board of Directors of PNB Housing Finance Limited
More informationINDICATORS DATA SOURCE REMARKS Demographics. Population Census, Registrar General & Census Commissioner, India
Public Disclosure Authorized Technical Demographics Public Disclosure Authorized Population Urban Share Child Sex Ratio Adults Population Census, Registrar General & Census Commissioner, India Population
More informationRepco Home Finance Ltd. BUY: Rs 255 Target: Rs 307
Retail Research Initiating Coverage 06 July 2013 Repco Home Finance Ltd. BUY: Rs 255 Target: Rs 307 Repco Home Finance Ltd (RHFL) is a leading low to medium ticket size home loan financing company predominately
More informationObjects of the Issue
Recommendation SUBSCRIBE Background Price Band Rs. 160 175 Bidding Date Book Running Lead Manager Registrar Sector 18 th Apr 21 th Apr ICICI Sec, Kotak Mahindra Link Intime India Pvt Ltd Retail Application
More informationIndian Regional Rural Banks Growth and Performance
Indian Regional Rural Banks Growth and Performance Syed Mahammad Ghouse ghouse.marium@gmail.com Narayana Reddy tnreddy.jntua@gmail JNTU College of Engineering Regional rural Banks play a vital role for
More informationINVESTOR PRESENTATION Q3 FY18
INVESTOR PRESENTATION Q3 FY18 CONTENTS SLIDE NO. COMPANY OVERVIEW 2 4 QUARTER UPDATES BUSINESS MODEL 6 11 OPERATING MODEL RECOVERY UPDATE 16 23 FINANCIALS PARTNERS 28 COMPANY OVERVIEW 2 ABOUT THE COMPANY
More informationDHFL is aiming to be a `100,000 crore home loan company by 2017
Building Smartly DHFL is aiming to be a `100,000 crore home loan company by 2017 big has been Kapil Wadhawan s philosophy. Thinking Ever since he became the managing director in his family promoted-company
More informationINVESTOR PRESENTATION
INVESTOR PRESENTATION 1 South Indian Bank At A Glance 83 Years 644 568 `56386 Cr 31% 25% `177 Cr `95 Cr 3% 13.48% 0.25% Number of years in banking business Number of branches Number of ATM s Business as
More informationBefore we get to the financials, let me briefly dwell on the banking and macro-economic scenario.
Speech of The Managing Director & CEO Mr.B.P.Sharma Delivered At The 19 th Annual General Meeting of Bank of India Held On 20.07.2015 -------------------------------------------------------------------
More informationIssues in Health Care Financing and Provision in India. Peter Berman The World Bank New Delhi
Issues in Health Care Financing and Provision in India Peter Berman The World Bank New Delhi Financing and Provision of Health Care: Some Introductory Concepts Consider whole system Government and non-government,
More informationInvestor Presentation March-2014
Investor Presentation March-2014 1 IMPORTANT NOTICE No representation or warranty, express or implied is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness
More informationBihar Budget Analysis
-1. -0. 1.6% 4. 6.6% 5. 4.9% 8. 7. 10. 10. 14. Bihar Budget Analysis The Finance Minister of Bihar, Mr. Sushil Kumar Modi, presented the Budget for financial year on February 27, 2018. Budget Highlights
More informationKerala Budget Analysis
2.1% 4.3% 2.9% 5.2% 5.7% 4. 7.2% 6.7% 4.3% 6.6% 7.4% Kerala Budget Analysis The Finance Minister of Kerala, Dr. T.M. Thomas Isaac, presented the Budget for financial year on February 2, 2018. Budget Highlights
More informationCREDIT RATING REPORT. Gruh Finance Limited. September 2017
CREDIT RATING REPORT Gruh Finance Limited September 2017 1 Instruments & ratings Rs 5.0 Billion Non Convertible Debentures Non Convertible Débentures Aggregating Rs 36.50 Billion Rs 0.35 Billion Subordinated
More informationGrowth Powered by Technology, Driven by Customers. Financial Results 31 st March 2017
Financial Results 31 st March 2017 Performance Highlights Q4 FY 2016-17 NET INTEREST INCOME ` 989.49 cr NON INTEREST INCOME ` Rs.450.16 cr OPERATING PROFIT ` Rs.703.12 cr NET PROFIT ` 203.99 cr NET INTEREST
More informationEquitas Holdings Limited Investor Presentation Q3FY17
Equitas Holdings Limited Investor Presentation Q3FY17 1 Mission Empowering through Financial Inclusion Vision To Serve 5% of Indian Households by 2025 Values Fair and Transparent 2 Highlights Q3FY17 Rs.7,181
More informationPress Release BANK OF BARODA ANNOUNCES FINANCIAL RESULTS FOR Q2 AND H1, (FY 2017) Highlights (Standalone Basis) Operating profit of INR 2,690
Press Release BANK OF BARODA ANNOUNCES FINANCIAL RESULTS FOR Q2 AND H1, 2016-17 (FY 2017) Highlights (Standalone Basis) Operating profit of INR 2,690 crore, up by 15.10% YoY; the highest in the last 6
More informationEARNINGS UPDATE Q4FY14
EARNINGS UPDATE Q4FY14 April 2014 SKS Microfinance Limited BSE: 533228 NSE: SKSMICRO Corporate Identity No. L65999MH2003PLC250504 www.sksindia.com This presentation is solely for viewing. No part of it
More informationRating Rationale. Rating / Credit Opinion 1. Second Loss Facility (SL) Credit Collateral. Over Collateral
Rating Rationale Rating of Pass Through Certificates (PTCs) issued by Nirmaan RMBS Trust Series I 2018 backed by Home and LAP loan receivables (Principal outstanding Rs. 1,053.82 Cr), backed by mortgage
More informationPRAKASH INDUSTRIES LIMITED
PRAKASH INDUSTRIES LIMITED People Prosperity Progress INVESTOR PRESENTATION Q1 FY19 DISCLAIMER This presentation and the accompanying slides (the Presentation ), which have been prepared by Prakash Industries
More informationEarnings Presentation Q3FY18
Earnings Presentation Q3FY18 www.repcohome.com Agenda Q3FY18 Performance Business summary.. Financial performance for Q3FY18 Borrowing profile.... Geographic Presence Footprint... Region-wise loan book..
More information-Empanelment of Chartered Accountant Firms for post-sanction monitoring and follow up for assistance provided by MUDRA to various lending institutions
-Empanelment of Chartered Accountant Firms for post-sanction monitoring and follow up for assistance provided by MUDRA to various lending institutions Micro Units Development & Refinance Agency Ltd. (MUDRA)
More informationIPO Product Note October 21, 2016
IPO Product te October 21, 2016 PNB Housing SECTOR Housing Finance Issue Highlights About the Company Issue Open Oct 25, 2016 Issue Close Oct 27, 2016 Issue Price Rs.750 - Rs.775 per share Total Issue
More informationTop Dalal & Broacha. CMP Target wk Hi/Low 294/159
Top Ideas @ Stock Broking Pvt Ltd August 2, 2013 Repco Home Finance Ltd Lalitabh Shrivastawa (Analyst) lalitabhs@dalal-broachacom (022) 2282 2992 Ext : 150 Milind Karmarkar (Head Research) (022) 6630 8667
More informationINVESTOR PRESENTATION MARCH 2012
INVESTOR PRESENTATION MARCH 2012 South Indian Bank At A Glance 83 Years 700 663 `64136 Cr 27% 25% `401 Cr 3.10 % 14.00% 0.28% Number of years in banking business Number of branches Number of ATM s Business
More informationINVESTOR PRESENTATION DEC 2011
INVESTOR PRESENTATION DEC 2011 South Indian Bank At A Glance 83 Years 674 614 `58884 Cr 27% 25% `280 Cr `102 Cr 3.05 % 12.03% 0.24% Number of years in banking business Number of branches Number of ATM
More informationJV CAPITAL SERVICES PVT. LTD PNB
JV CAPITAL SERVICES PVT. LTD PNB PNB CMP: 99 BUY INDUSTRY: Banking RISK PROFILE Low TARGET:13 CMP(Rs) 99 Target price(rs) 13 Upside (%) 31 2 Week h/l (Rs) 144/43 Market cap (Rs. Cr) 31696 6m Avg vol (
More informationThe Bank that begins with. Financial Results Q3 ( )
The Bank that begins with Financial Results Q3 (2013-14 ) HIGHLIGHTS 31.12.2013. Total Business at Rs.188867 crore, with a y-o-y growth of 19.78%. Highlights Total Deposits increased to Rs.109891 crore,
More informationPEER GROUPS CMP MARKET CAP EPS P/E (X) P/BV(X) DIVIDEND Company Name (Rs.) Rs. in mn. (Rs.) Ratio Ratio (%)
BUY CMP 407.00 Target Price 455.00 GALLANTT ISPAT LIMITED Result Update (PARENT BASIS): Q3 FY15 APRIL 18 th 2015 ISIN: INE528K01011 Index Details Stock Data Sector Iron & steel BSE Code 533265 Face Value
More informationICICI Group: Performance & Strategy. May 2015
ICICI Group: Performance & Strategy May 2015 Certain statements in these slides are forward-looking statements. These statements are based on management's current expectations and are subject to uncertainty
More informationRich-Poor Differences in Health Care Financing
Rich-Poor Differences in Health Care Financing Role of Communities and the Private Sector Alexander S. Preker World Bank October 28, 2003 Flow of Funds Through the System Revenue Pooling Resource Allocation
More informationBANK OF BARODA ANNOUNCES FINANCIAL RESULTS FOR QUARTER 1 OF FY Press Release. Highlights (Standalone Basis)
BANK OF BARODA ANNOUNCES FINANCIAL RESULTS FOR QUARTER 1 OF FY 2017 Press Release Highlights (Standalone Basis) Operating profit of INR 2,669 crore, the highest in the last 5 quarters. Profit after Tax
More informationShareholding Pattern (%) Share Reservation (%) Company Management. Muthoot Finance. Issue Details
Industry Issue Details Issue Opens Issue Closes NBFC 18-Apr-11 21-Apr-2011 Price Band ` 10-175 Issue Size (Bn) 8.2-9.0 Mar Cap @lower and upper band (` Bn) 59.5-5.0 Face value ` 10 Lot Size 40 IPO Grading
More informationQ2-2016: Performance review. October 30, 2015
Q2-: Performance review October 30, Certain statements in these slides are forward-looking statements. These statements are based on management's current expectations and are subject to uncertainty and
More information