Housing & Urban Development Corp. Ltd. · NSE:HUDCO
Housing & Urban Development — Q3 FY2022-23 Earnings Presentation
14 slides from Housing & Urban Development's earnings presentation, Feb 13, 2023
Slide 1: HARISH KUMAR SHARMA
HARISH Digitally signed by HARISH KUMAR KUMAR SHARMA Date: 2023.02.13 SHARMA 16:44:02 +05'30'
Slide 2: Investors Presentation & Performance Highlights Q3/Nine Months FY 2022-23
INVESTORS PRESENTATION & PERFORMANCE HIGHLIGHTS Q3/NINE MONTHS OF FY 2022 - 23 (STANDALONE) Highest Domestic Credit Rating AAA from ICRA, CARE, and India Ratings & Research.
Slide 3: Financial Highlights
FINANCIAL HIGHLIGHTS (Amount in ₹ Crore) 80000 Period ended Dec-22 79615 74938 60000 Period ended Dec-21 Balance Sheet 40000 20000 14986 13890 0 Total Assets Net Worth 6000 5000 Income 4000 5224 5254 Statement 3000 2000 1000 1794 1751 1425 1303 1062 970 0 TOTAL INCOME NII PBT PAT 24000 22000 23609 2
Slide 4: Sanctions - Composition
Sanctions - Composition (Amount in ₹ Crore) Financial Year 22-23 Financial Year 21-22 For the Financial Year Discipline-wise Q3 Q2 Q1 Q4 Q3 Q2 Q1 2022-23* 2021-22 2020-21 38.60 3,385.00 - 1,601.49 92.30 53.00 - 3,423.60 1,746.79 915.90 Housing 0.63% 19.92% - 13.61% 1.91% 1.31% - 14.50% 8.45% 9.95% 6
Slide 5: Disbursements - Composition
Disbursements - Composition (Amount in ₹ Crore) Financial Year 22-23 Financial Year 21-22 For the Financial Year Discipline-wise Q3 Q2 Q1 Q4 Q3 Q2 Q1 2022-23* 2021-22 2020-21 1,540.95 100.00 - 681.24 30.00 51.30 507.00 1,640.95 1,269.54 3,687.89 Housing 35.08% 34.93% - 11.75% 5.99% 3.90% 40.05% 32.1
Slide 6: Sector-wise Disbursal - Composition
Sector -wise Disbursal - Composition (Amount in ₹ Crore) Financial Year 22-23 Financial Year 21-22 For the Financial Year Discipline-wise Q3 Q2 Q1 Q4 Q3 Q2 Q1 2022-23* 2021-22 2020-21 1,500.00 100.00 - 623.54 - 30.00 500.00 1,600.00 1,153.54 3,600.00 Social Housing 34.15% 34.93% - 10.75% - 2.27% 39.
Slide 7: Outstanding Loan - Composition
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 (Amount in ₹ Crore) Financial Year 22-23 Financial Year 21-22 For the Financial Year Borrower-wise Q3 Q2 Q1 Q4 Q3 Q2 Q1 2022-23* 2021-22 2020-21 Government 76,738.06 73,643.94 74,703.42 75,934.31 71,718.78 72,807.80 72,884.39 76,738.06 75,934.31 7
Slide 8: Details of Borrowings
D e ta i l s o f B o r r ow i n g s Financial Year 22-23 Financial Year 21-22 For the Financial Year Particulars Q3 Q2 Q1 Q4 Q3 Q2 Q1 (Amount in ₹ Crore) 2022-23^ 2021-22 2020-21 Long Term Borrowing Tax Free Bonds 15,031.76 15,031.76 15,031.76 15,031.76 17,198.18 17,388.47 17,388.47 15,031.76 15,031
Slide 9: Funds Raised during the year
Fu n d s R a i s e d d u r i n g t h e y e a r (Amount in ₹ Crore) Financial Year 22-23 Financial Year 21-22 For the Financial Year Q3 Q2 Q1 Q4 Q3 Q2 Q1 Particulars 2022-23* 2021-22 2020-21 Taxable Bonds 1,970.00 - - 2,500.00 - - - 1,970.00 2,500.00 6,350.00 Refinance from NHB/IIFCL - - - - - - - -
Slide 10: Classification of Assets
CLASSIFICATION OF ASSETS December, 2022 December, 2021 S. No. Exposure at Default Outstanding Outstanding % % (₹ in Crore) (₹ in Crore) I. Stage 1 67,961.39 85.71 63,502.75 85.46 II. Stage 2 7,945.75 10.02 7,145.55 9.62 III. Stage 3 3,382.62 4.27 3,655.97 4.92 Total 79,289.76 100.00 74,304.27 100.00
Slide 11: Financial Statements
FINANCIAL STATEMENTS (Amount in ₹ Crore) Particulars Quarter Ended Nine Months Ended st st st st 31 December, 2022 31 December, 2021 31 December, 2022 31 December, 2021 (Reviewed) (Reviewed) (Reviewed) (Reviewed) Income: - Revenue from Operations 1,709.58 1,699.92 5,197.08 5,227.15 - Other Income 10
Slide 12: Key Indicators
Key Indicators Nine Months Ended Particulars December,2022 December,2021 Yield on Loan (%) (Annualised) 9.08% 9.44% Cost of Funds (%) (Annualised) 7.48% 7.55% Interest Spread (%) 1.60% 1.89% 3.16% 3.18% Net Interest Margin (%) (Annualised) Interest Coverage Ratio (times) 1.43 1.38 Debt Equity Ratio
Slide 13: Shareholding Pattern
S h a r e h o l d i n g Pa t t e r n st rd 31 December, 2022 3 February, 2023 Particulars % % President of India 81.81 81.81 Foreign Institutional Investors/ Foreign Nationals/ Foreign Portfolio Investors 0.12 0.16 Resident Individual/ Employees 9.17 9.20 Mutual fund/ AIF 1.18 1.18 Nationalized Bank
Slide 14: Thank You
THANK YOU Disclaimer: This presentation is made purely for information. We have attempted to provide relevant information which we believe will help in knowing the Company. The users may use their own judgement and are advised to make their own calculations before deciding on any matter based on the
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