GRUH Finance Limited (A Subsidiary of HDFC Limited) March 2017

Transcription

1 GRUH Finance Limited (A Subsidiary of HDFC Limited) March

2 GRUH PROFILE 2 2

3 Promoted by HDFC & AKFED on July 21, 1986 Commenced operations in 1988 from Ahmedabad A subsidiary of HDFC - Since June 2000 Regulated by National Housing Bank (NHB) Wholly owned subsidiary of Reserve Bank of India (RBI) Recognized by NHB for Refinance facility 3

4 As on March 31, 2017 Cumulative Housing Units Financed 3,63,494 Cumulative Disbursement of Rs. 22,976 Cr. Cumulative Disbursement in Rural Areas (*) Rs.10,709 Cr. Retail Network of 185 offices across 11 States. Consistent track record of Dividend Payout (*) Rural Areas are locations where populations is less than 50,000 4

5 As on March 31, 2017 Outstanding LoanAssets of Rs. 13,244 Cr. Average Loan Outstanding Per Unit Rs Lac Loan Disbursement during the period Rs. 4,125 Cr. Average Loan Per Unit on Disbursement during the Period Rs Lac Loan Disbursement in RuralAreas during the Period Rs. 1,979 Cr. Gross NPAs Rs Cr 0.31% of Outstanding LoanAssets of Rs. 13,244 Cr. NetNPAs NIL 5

6 Ratings Public Deposits : MAAA by ICRA and FAAA by CRISIL Non-Convertible Debentures : AAA (Stable) by ICRA and CRISIL Subordinated NCD: AAA (Stable) by ICRA and CRISIL Commercial Paper : A1+ by ICRA and CRISIL These rating indicates high safety with regard to timely payment of interest t and principal i 6

7 GRUH PERFORMANCE 7 7

8 Disbursements (Rs. in Crores) , , Mar'12 Mar'13 Mar'14 Mar'15 Mar'16 Mar'17 8 8

9 Loan Assets (Rs. in Crores) , , Mar'12 Mar'13 Mar'14 Mar'15 Mar'16 Mar'17 9 9

10 Profit After Tax (Rs. in Crores) Mar'12 Mar'13 Mar'14 Mar'15 Mar'16 Mar'

11 NIM and NIM to ATA NIM ( Rs. in crores) Mar'12 Mar'13 Mar'14 Mar'15 Mar'16 Mar' NIM (Rs. In crores) NIM to ATA (%) 11 11

12 Gross NPAs & Net NPAs Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Gross NPA to Loans (%) Net NPAs to Loans (%) 12

13 Provisions & Contingencies In Crore) (Rs Mar- 15 Jun- 15 Sep- 15 Dec- 15 Mar- 16 Jun- 16 Sep- 16 Dec - 16 Mar - 17 Provision for NPAs Provision for Standarad Assets Provision for Contingencies 13

14 NIM & NIE to Average Total Assets Mar- 15 Jun- 15 Sep- 15 Dec- 15 Mar- 16 Jun- 16 Sep - 16 Dec - 16 Mar - 17 Net Interest Margin to Average Total Assets(%) Non-Interest Expenses to Average Total Assets (%) 14

15 PBT & PAT to Average Total Assets Mar- 15 Jun- 15 Sept- 15 Dec- 15 Mar- 16 Jun - 16 Sep - 16 Dec - 16 Mar - 17 PAT to Average Total Assets (%) PBT to Average Total Assets (%) 15

16 25.00 Cost to Income Ratio (%) Mar- 15 Jun- 15 Sept- 15 Dec- 15 Mar- 16 Jun- 16 Sep - 16 Dec - 16 Mar- 17 Cost to Income Ratio (%) 16

17 Loan Disbursements As at March 31, 2017 As at March 31, 2016 (Rs. in Crores) Growth Amount Amount % Home Loans * Mortgage (LAP) Loans * (49.93) NRP Loans * (49.90) Developer Loans Total (*) Individual Loans 17

18 Outstanding Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans Suvidha Home Loans Sajavat Repair Loans Total Home Loans * Mortgage g (LAP) Loans * NRP Loans * Developer Loans Total Loan Asset Growth of 19% (*) Individual Loans 18

19 Loan Portfolio-wise NPL As at March 31, 2017 As at March 31, 2016 Amount % Amount % Home Loans * Mortgage (LAP) Loans * NRP Loans * Developer Loans Total (*) Individual Loans 19 19

20 Assets Profile 100% 99% 0.10% 0.13% 0.16% 1.26% 1.49% 1.75% 98% 97% 1.15% 125% 1.25% 087% 0.87% 96% Fixed Assets 95% Current Assets 94% 93% 92% 91% Investments 97.49% 97.13% 97.22% Loan Assets 90% Mar 17 Mar 16 Mar 15 20

21 Sources of Borrowing 45% 40% 35% 31% 36% 39% 38% 34% 33% NHB 30% Bank Loans 25% Public Deposits 20% 15% 13% 20% 14% 16% Others 17% 10% 9% 5% 0% Mar 17 Mar 16 Mar 15 21

22 Borrowing Profile Tenure Base As on March 31, 2017 ROI Base 0.30% 46% Fixed Floating 99.70% 54% Short Term (**) Long Term (*) (*) Average tenure 8.47 years (**) Average tenure less than one year 22

23 As on March 31, Sources of Funds Balance Sheet (Rs. in Crores) Growth (%) Share Capital Reserves & Surplus Borrowings Current Liabilities & Provisions Deferred Tax Liability (Net) Application of Funds Loan Assets Investments Current Assets Fixed Assets (6)

24 Income Statement As on March 31, (Rs. in Crores) Growth (%) Interest income Interest expenses Net interest Margin Non-Interest Income (11) Non-Interest Expenses Depreciation (6) Provisions, Contingencies and Write Offs CSR Expenses Profit Before Tax Provision for Taxation Profit After Tax

25 As on March 31, Risk Profile Loan Assets & NPAs (Rs. in Crores) Loan Assets (Rs.) Provision for Standard Assets (Rs.) Gross NPAs (Rs.) Provision for NPAs (Rs.) Provision for Contingencies Net NPAs (Rs.) Ratios Gross NPA as % to Loans Net NPA as % to Loans

26 Quarterly Financial Results As on March 31, (Rs. In Crore) Q4-CY Q4-PY Q3-CY YOY CY YOY PY 1. Operating Income Total Income Interest and Other Charges Non-interest Expenses Depreciation Provisions, Contingencies & Write Offs Total Expenditure Profit Before Tax Tax Expenses Profit After Tax

27 Key Financial Ratios As on March 31, Net Interest Margin / ATA (%) Non Interest Expenses / ATA (%) PBT/ATA (%) PAT/ATA (%) Cost to Income Ratio (%) Return on Equity (%) ATA = Average Total Assets 27

28 Key Financial Ratios Particulars March 31, 2017 March 31, 2016 Book Value Per Share Earnings Per Share Market Capitalization (Rs. In Crore) 14,433 8,

29 Key Financial Ratios As on March 31, Capital ladequacy Ratio (%) Tier I Tier II

30 Productivity Ratios As on March 31, Average No. of Employees Average No. of Retail offices Profit After Tax Per Employee (Rs. in Lakhs) Total Assets Per Employee ( Rs. in Lakhs)

31 Rural Focus (Rural location is a location where population is less than A state is divided into districts and each District cover Talukas and each Taluka is a cluster of villages) Cumulative Rural Disbursement of Rs.10,709 Cr. Disbursed 2,03,026 cases in rural segment Presence in 125 Districts of 11 States Servicing customers in 1,131 Taluka places in 11 States Disbursed Rs.8,575 Cr. to 1,67, families under Golden Jubilee Rural Housing Finance Scheme of Government of India Cumulative disbursement of Rs. 2,203 Cr. to 39,355 families under Rural Housing Fund 31

32 Thank You