Housing & Urban Development Corp. Ltd. · NSE:HUDCO
Housing & Urban Development — Q4 FY2019 Earnings Presentation
15 slides from Housing & Urban Development's earnings presentation, May 24, 2019
Slide 1: Cover letter to stock exchanges
wis 31** citvilAe. (1-11Tff wchit dListo-i ), t 71, W3W WM. clIti W)".41- qCti -110003 ITT1T : 011-24648160 Thi:f : 011-24625308 Visit us at : www.hudco.org TfraulTi : L74899DL1970G01005276 71-.71.t : 07AAACH0632A1ZF Housing & Urban Development Corporation Ltd., (A Govt. of India Enterprise), Core-7
Slide 2: Management Presentation Performance Highlights Q4 & FY 2019 (Standalone)
Management Presentation Performance Highlights Q4 & FY 2019 (STANDALONE) Highest Domestic Credit Rating AAA from ICRA, CARE, and India Ratings & Research. 1
Slide 3: Financial Highlights
FINANCIAL HIGHLIGHTS (Amount in Rs. Crore) Qtr ended Mar-18 72829 70000 60000 Qtr ended Mar-19 48915 Balance 50000 Sheet 40000 30000 20000 9943 10956 10000 0 TOTAL ASSETS NET WORTH 1800 1493 1500 1237 Income 1200 Statement 900 533 446 409 600 491 324 236 300 0 TOTAL INCOME NII PBT PAT 24000 22337 21
Slide 4: Sanctions - Composition
Sanctions - Composition (Amount in Rs. Crore) Financial Year 18-19 Financial Year 17-18 12 Months Discipline- wise Q1 Q2 Q3 Q4 Q4 Q3 Q2 Q1 FY19 FY 18 FY 17 4000 38 5055 18030 5251 105 6227 4000 27123 15583 6839 Housing 98.23% 1.35% 96.84% 80.72% 36.06% 15.60% 38.05% 56.75% 78.73% 40.32% 21.46% Urban
Slide 5: Disbursements - Composition
Disbursements - Composition (Amount in Rs. Crore) Financial Year 18-19 Financial Year 17-18 12 Months Discipline -wise Q1 Q2 Q3 Q4 Q4 Q3 Q2 Q1 FY19 FY18 FY17 776.16 619.13 8568.38 17423.59 841.26 3621.72 111.96 214.45 27387.26 4789.39 2293.26 Housing 59.46% 28.16% 91.68% 95.95% 10.42% 57.48% 9.45% 2
Slide 6: Sector-wise Disbursal - Composition
Sector -wise Disbursal - Composition (Amount in Rs. Crore) Financial Year 18-19 Financial Year 17-18 12 Months Discipline-wise Q1 Q2 Q3 Q4 Q4 Q3 Q2 Q1 FY19 FY18 FY17 Social 751.16 582.50 8457.83 17232.10 762.14 3546.55 42.01 134.03 27023.59 4484.73 1846.70 Housing 57.55% 26.49% 90.50% 94.90% 9.44% 5
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 Rs. Crore) Financial Year 18-19 Financial Year 17-18 12 Months Borrower- (At the end of) (At the end of) wise Q1 Q2 Q3 Q4 Q4 Q3 Q2 Q1 FY19 FY17 FY16 Government 45636.35 46151.07 53252.94 70050.31 45985.60 41120.27 35940.89 35821.58 7005
Slide 8: Classification of Assets
CLASSIFICATION OF ASSETS March, 2019 March, 2018 S. No. Exposure at Default Outstanding (₹ Outstanding (₹ in % % in Crore) Crore) 1. Stage 1 69892.55 95.32% 44779.43 90.41% 2. Stage 2 146.34 0.20% 1140.82 2.30% 3. Stage 3 3286.59 4.48% 3610.02 7.29% Total 73325.48 100% 49530.27 100% Total ECL (₹ in
Slide 9: Details of Borrowings
D e ta i l s o f B o r r o w i n g s (Amount in Rs. Crore) Financial Year 18-19 Financial Year 17-18 12 Months (At the end of ) (At the end of ) Particulars Q1 Q2 Q3 Q4 Q4 Q3 Q2 Q1 FY 19 FY 18 FY 17 Tax Free Bonds 17388.47 17388.47 17388.47 17388.47 17388.47 17388.47 17388.47 17388.47 17388.47 17388
Slide 10: 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 Rs. Crore) Financial Year 18-19 Financial Year 17-18 12 Months Particulars Q1 Q2 Q3 Q4 Q4 Q3 Q2 Q1 FY 19 FY 18 FY 17 Taxable 100.00 - 7960.00 15950.00 3350.00 905.00 400.00 - 24010.00 4655.00 3865.00 Bonds@ Refinance from - 1500.00 - - - - 50
Slide 11: Financial Statements
F I N A N C I A L S TAT E M E N T S (As per ind as) (₹ in crore) Quarter ended Year ended Particulars st 31 March, 2019 st 31 March, 2018 st 31 March, 2019 st 31 March, 2018 (audited) (audited) (audited) (audited) Income: - Revenue from Operations 1,474.75 1,234.44 5,547.64 4,171.36 - Other Income 1
Slide 12: Reconciliation statement as of March, 2018
R e c o n c i l i a t i o n s ta t e m e n t a s o f m a r c h , 2 018 (₹ in crore) Quarter ended Year ended st st Particulars 31 March, 2018 31 March, 2018 222.52 799.06 Net profit reported as per Previous GAAP Ind AS adjustments on account of: 2.53 2.11 - Adjustment on account of effective interes
Slide 13: Key Indicators
(Amount in Rs. Crore) Key Indicators Year Ended Particulars FY19 FY18 Yield on Loan (%) (Annualised) 10.15% 9.97% Cost of Funds (%) (Annualised) 7.01% 7.26% Interest Spread (%) 3.14% 2.71% Net Interest Margin (%) (Annualised) 4.52% 4.45% Interest Coverage Ratio (times) 1.61 1.61 Return on Average Ne
Slide 14: Shareholding Pattern
S h a r e h o l d i n g Pa t t e r n 31.03.2019 17.05.2019 Particulars % % President of India 89.807 89.807 Foreign Institutional Investors/ Foreign Nationals/ 0.067 0.069 Foreign Portfolio Investors Resident Individual/ Employees/ HUF 6.02 6.062 Mutual fund/ AIF 0.894 0.863 Bodies corporate 0.976 0
Slide 15: Foundation for a Stronger India
14 Foundation for a Stronger India
Housing & Urban Development — Q4 FY2019 Earnings Presentation on 6ix