Management Presentation Performance Highlights

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Ashley Barker
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1 H o u s i n g a n d U r b a n D e v e l o p m e n t C o r p o r a t i o n L i m i t e d (A Govt. of India Enterprise) An ISO 9001:2008 certified Company Management Presentation Performance Highlights FY 2015 to FY 2017 and Q1 to Q4 FY 2017 Highest Domestic Credit Rating AAA from ICRA, CARE, and India Ratings & Research.

2 H I G H L I G H T S ,878 39,322 FY16 FY17 Balance Sheet ,446 9,167 0 Total Assets Net Worth ,585 Income Statement ,077 1, Total Income NII PBT PAT ,774 31, Business Sanctions Note: NII: Net interest income, PBT: Profit Before Tax, PAT: Profit After Tax 2 8,248 9,095 Disbursements

3 S a n c t i o n s - C o m p o s i t i o n Disciplinewise Housing (for the quarter) Q1 Q2 Q3 Q4 FY 17 FY16 FY % 8.98% 11.81% 37.20% 21.46% 60.05% 33.92% Urban Infrastructure % 90.96% 88.12% 56.68% 76.24% 38.94% 63.64% HUDCO Niwas % 0.06% 0.07% 6.12% 2.30% 1.00% 2.44% Total

4 D i s bursements - C o m p osition Discipline-wise Housing Urban Infrastructure HUDCO Niwas (For the quarter) Q1 Q2 Q3 Q4 FY17 FY16 FY % 13.22% 15.76% 33.84% 25.21% 34.25% 38.47% % 86.63% 83.78% 58.58% 70.21% 62.02% 61.42% % 0.15% 0.46% 7.57% 4.58% 3.73% 0.11% Total

5 O u t s ta n d i n g L o a n - C o m p o s i t i o n Borrower-wise Government Agencies Private (At the end of) Q1 Q2 Q3 Q4 & FY17 FY16 FY % 89.83% 89.93% 90.90% 89.62% 87.47% % 10.17% 10.07% 9.10% 10.38% 12.53% Total Discipline-wise Housing Urban Infrastructure HUDCO Niwas % 29.66% 29.28% 30.60% 31.06% 28.02% % 68.72% 69.14% 67.91% 67.21% 70.84% % 1.62% 1.58% 1.50% 1.74% 1.14% Total

6 S e c t o r - w i s e D i s b u r s a l - C o m p o s i t i o n Housing Urban Infrastructure Discipline-wise Social Housing Residential Real Estate HUDCO Niwas (For the Quarter) Q1 Q2 Q3 Q4 FY17 FY16 FY % 1.19% 5.31% 32.64% 20.30% 26.16% 32.51% % 12.03% 10.45% 1.20% 4.91% 8.09% 5.96% % 0.15% 0.46% 7.57% 4.58% 3.73% 0.11% Total (A) Water Supply & sewerage drainage Road and Transport Power Emerging Sector & commercial Infra Social Infra % 66.92% 27.78% 12.46% 25.84% 29.46% 33.99% % 7.82% 20.19% 21.16% 21.91% 13.41% 11.90% % 2.42% 3.68% 15.54% 10.58% 4.94% 7.80% % 6.15% 29.07% 4.34% 7.82% 11.62% 6.06% % 3.32% 3.05% 5.07% 4.06% 2.59% 1.67% and Others Total (B) Grand Total (A+B)

7 Loan Quality S No Particulars (At the end of ) Q1 Q2 Q3 Q4 & FY17 FY16 FY Principal outstanding Gross NPA Provision made on NPA (Incl. 3. additional provision) Net NPA* % of Gross NPA to loan outstanding** 6.96% 6.87% 6.80% 6.02% 6.68% 6.25% 6. % of Net NPA to loan outstanding*** 1.94% 2.04% 1.51% 1.15% 2.06% 1.59% Total Provisions against Outstanding Loan assets 1. Provision on NPA as at (3) above Contingent Provision against 2. Standard Loan Assets Total * Net NPA is Gross NPA less provision made on NPA. ** % of Gross NPA = Gross NPA / Principal Outstanding. *** % of Net NPA = Net NPA / (Principal Outstanding - provision made on NPA)

8 D e ta i l s o f B o r r o w i n g s Particulars (A) Long Term Tax Free Bonds Taxable Bonds Refinance from NHB Public Deposits Foreign Currency Borrowings Banks * Commercial papers (At the end of ) Q1 Q2 Q3 Q4 &FY 17 FY 16 FY 15 17, , , , , , % 70.47% 69.99% 61.16% 67.90% 52.79% 2, , , , , , % 13.64% 13.69% 16.06% 7.81% 14.10% 2, , , , , , % 9.05% 8.52% 10.54% 9.18% 12.02% 1, , , , % 4.06% 3.82% 3.25% 6.47% 6.07% % 2.11% 1.97% 1.64% 2.09% 2.43% % 0.68% 0.40% 2.07% 1.47% 12.55% , , % 0.0% 1.61% 5.28% 5.08% 0.00% Others % 0.0% 0.0% 0.0% 0.0% 0.04% Total 24, , , , , , Average annualized cost of funds 8.05% 7.98% 7.88% 7.70% 8.10% 8.45% 8

9 Fu n d s R a i s e d d u r i n g t h e y e a r Particulars (for the quarter) Q1 Q2 Q3 Q4 FY 17 FY 16 FY 15 Taxable Bonds Tax free Bonds Refinance from NHB Public Deposits Banks* Commercial papers , Total Average annualized cost of funds 7.73% 7.49% 6.82% 6.49% 6.85% 7.91% 9.09% * Includes cash credit/overdraft facilities and short term working capital loans. 9

10 S ta t e m e n t o f A s s e t s & L i a b i l i t i e s ( S ta n d a l o n e ) Particulars Liabilities Net Worth - Shareholders Funds Borrowings Deferred Tax Liabilities (Net) Other Liabilities Total Liabilities Assets Fixed Assets (Net) Investments Loans (Net of Provisions) Other Assets Total Assets (At the end of) Q1 Q2 Q3 Q4 & FY 17 FY16 FY 15 8, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Previous periods figures have been reclassified/ rearranged wherever necessary so as to make them comparable. 10

11 I n c o m e S ta t e m e n t ( S ta n d a l o n e ) Particulars Interest Income * excluding final dividend if any, subject to approval of AGM. (For the quarter) Q1 Q2 Q3 Q4 FY17 FY16 FY , , Less: Finance Costs , , , Net Interest Income , , , Other Operating Income Other Income Administrative Cost Depreciation CSR Expenses Provision on Loan (Net) (20.59) Provision on Debtors/ recoverables Profit Before Tax , , , Current Tax Deferred tax (21.35) (32.68) (32.01) (60.41) (21.22) Profit After Tax Dividend (incl. interim) * Dividend Distribution Tax Previous periods figures have been reclassified/ rearranged wherever necessary so as to make them comparable. 11

12 K e y I n d i c a t o r s Particulars Yield on Loan (%) (Annualised) Cost of Funds (%) (Annualised) Interest Spread (%) 12 MONTHS (for the quarter) Q1 Q2 Q3 Q4 FY17 FY16 FY Net Interest Margin (%) (Annualised) Interest Coverage Ratio (times) Return on Average Net Worth (%) (Annualised) Debt Equity Ratio (times) Capital Adequacy ratio (%) Net Worth (INR Crore) Book Value in INR per Share of INR 10 Earning per Share (EPS) in INR (Non-Annualised) Yield on loan is calculated by dividing interest income on loan assets by average loan assets 2. Cost of funds is calculated by dividing interest expenses by average total borrowings 3. Interest spread is difference between yield on loan and cost of funds 4. Net interest margin is calculated by net interest income on interest earning assets by interest earning assets. 5. Interest coverage ratio is calculated by dividing Earnings before interest and tax by interest cost. 6. Return on net worth is calculated by dividing profit after tax for the period by average net worth. 7. Debt equity ration is calculated by dividing total debt by equity. 8. Capital Adequacy Ratio is calculated on Half-yearly basis. 12

13 S h a r e h o l d i n g Pa t t e r n Particulars * % President of India Foreign Institutional Investors 1.83 Resident Individual/HUF 3.74 Mutual fund 1.27 Bodies corporate 0.65 Insurance companies 0.31 Banks/Indian FI 1.29 Non Resident Indian 0.01 Clearing members 0.97 Trust 0.12 Total * Date of listing 13

Press Release. For Immediate Release. Consolidated Audited Financial Results for Q4 and FY Ended 31 st March, 2018

Press 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