Housing & Urban Development Corp. Ltd. · NSE:HUDCO
Housing & Urban Development — H1 FY2022-23 Earnings Presentation
14 slides from Housing & Urban Development's earnings presentation, Nov 14, 2022
Slide 1: Regulation 30 intimation cover letter to stock exchanges
HUDCO/CS/SE/2022 14 November, 2022 Listing Department Listing Department BSE Limited National Stock Exchange of India Ltd. Phiroze Jeejeebhoy Towers Exchange Plaza, C-1, Block G, Dalal Street Bandra Kurla Complex, Bandra (E) Mumbai- 400001 Mumbai- 400051 Scrip Code- 540530 NSE Symbol- HUDCO Sub: Int
Slide 2: Investors Presentation & Performance Highlights Half Year of FY 2022-23
HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED (A Govt. of India Enterprise) a An ISO 9001:2015 Certified Company w hudco INVESTORS PRESENTATION & PERFORMANCE HIGHLIGHTS HALF YEAR OF FY 2022 - 23 (STANDALONE) 52" Annual General Meeting = 3 26° September 2022, New Delhi ee Highest Domestic Credit
Slide 3: Financial Highlights
FINANCIAL HIGHLIGHTS (Amount in % Crore) 80000 m Period ended Sep-22 60000 m Period ended Sep-2] 40000 20000 0 Total Assets Net Worth 4000 3000 2000 1000 TOTAL INCOME NIl PBT PAT 22000 20000 18000 16000 14000 12000 10000 8000 6000 4000 2000 719 SANCTIONS DISBURSEMENTS
Slide 4: Sanctions - Composition
SANCTIONS - COMPOSITION gr hudco Q2 Ql Q4 Q3 Q2 Q1 2022-23* 2021-22 2020-21 3,385.00 - 1,601.49 92.30 53.00 - 3,385.00 1,746.79 915.90 Housing 19.92% - 13.61% 1.91% 1.31% - 19.39% 8.45% 9.95% 13,606.74 463.10 10,162.73 4,734.98 4,004.46 1.65 14,069.84 18,903.82 8,265.27 Urban Infrastructure 80.07% 9
Slide 5: Disbursements - Composition
DISBURSEMENTS ~- COMPOSITION a Q2 Ql Q4 Q3 Q2 Ql =. 2022-23* 2021-22 2020-21 100.00 681.24 30.00 31.30 507.00 100.00 1,269.54 3,687.89 Housing 34.93% 11.75% 5.99% 3.90% 40.05% 13.90% 14.29% 44.31% Urban 185.03 429.69 5,116.04 469.41 1,265.65 756.30 614.72 7,607.40 4,622.79 Infrastructure 64.63% 99.1
Slide 6: Sector-wise Disbursal - Composition
SECTOR-WISE DISBURSAL ~- COMPOSITION A hudco Q2 Ql Q4 Q3 Q2 Ql 2022-23* 2021-22 2020-21 100.00 623.54 30.00 500.00 100.00 1,153.54 3,600.00 Social Housing 34.93% 10.75% 2.27% 39.49% 13.90% 12.98% 43.25% 57.70 30.00 21.30 7.00 116.00 87.89 Residential Real Housing Estate 1.00% 5.99% 1.61% 0.55% 1.30%
Slide 7: Outstanding Loan - Composition
OUTSTANDING LOAN ~- COMPOSITION Aj Q2 Ql Q4 Q3 Q2 Ql 2022-23* 2021-22 2020-21 Government 73,643.94 74,703.42 75,934.31 71,718.78 72,807.80 72,884.39 73,643.94 75,934.31 73,195.78 Agencies 96.63% 96.67% 96.72% 96.52% 96.55% 96.55% 96.63% 96.72% 96.58% 2,569.41 2,572.08 2,578.67 2,585.48 2,601.54 2,60
Slide 8: Details of Borrowings
> DETAILS OF BORROWINGS Q2 Q1 Q4 Q3 Q2 Q1 2022-23% 2021-22 2020-21 Long Term Borrowing Tax Free Bonds 15,031.76 15,031.76 15,031.76 17,198.18 17,388.47 17,388.47 15,031.76 15,031.76 17,388.47 25.74% 25.02% 24.42% 29.75% 29.78% 29.32% 25.74% 24.42% 28.49% Taxable Bonds@ 32,810.00 36,060.00 39,468.47
Slide 9: Funds Raised During the Year
FUNDS RAISED DURING THE YEAR yN Q2 Ql Q4 Q3 Q2 Qi 2022-23* 2021-22 2020-21 Taxable Bonds - 2,500.00 2,500.00 6,350.00 Refinance from . NHB/IIFCL Banks - -Short-Term Loans #@ 1,397.00 1,079.50 2,582.50 267.25 1,066.00 1,397.00 2,582.50 -Medium Term/Long 1,339.00 2,000.00 - 4,839.00 2,000.00 3,500.00
Slide 10: Classification of Assets
CLASSIFICATION OF ASSETS ie hudco l. Stage 1 72,435.58 95.04 71,221.34 94.45 Il. Stage 2 881.27 1.16 1,108.08 1.47 Hl. Stage 3 2,896.50 3.80 3,079.91 4.08 Total 76,213.35 100.00 75,409.33 100.00 Total ECL (% in Crore) 2,529.18 2,765.17 Gross NPA (%) 3.80 4.08 Net NPA (%) 0.60 0.52 As per Ind AS, the
Slide 11: Financial Statements
FINANCIAL STATEMENTS cS Particulars Income: - Revenue from Operations 1,738.61 1,736.92 3,487.88 3,527.23 - Other Income 8.26 8.70 16.31 16.74 Total Income (1) 1,746.87 1,745.62 3,504.19 3,543.97 Expenses: - Finance Cost 1,108.64 1,150.01 2,227.09 2,296.60 - Employee Benefit Expenses 45.90 60.75 94.
Slide 12: Key Indicators
KEY INDICATORS 9.25% 9.50% Yield on Loan (%) (Annualised) 7.53% 7.70% Cost of Funds (%) (Annualised) Interest Spread (%) 1.72% 1.80% 3.30% 3.27% Net Interest Margin (%) (Annualised) 1.49 1.45 Interest Coverage Ratio (times) 3.87 4.26 Debt Equity Ratio (times) 14,733.97 13,692.75 Net Worth (INR Crore
Slide 13: Shareholding Pattern
SHAREHOLDING PATTERN President of India 81.81 81.81 Foreign Institutional Investors/ Foreign Nationals/ Foreign 0.24 0.14 Portfolio Investors Resident Individual/ Employees 9.06 9.33 Mutual fund/ AIF 1.41 1.13 Nationalized Banks/ Other Banks/ Indian FI 0.05 0.05 Domestic Companies 0.49 0.53 Insuranc
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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