Housing & Urban Development Corp. Ltd. · NSE:HUDCO
Housing & Urban Development — Q1 FY2022-23 Earnings Presentation
14 slides from Housing & Urban Development's earnings presentation, Aug 8, 2022
Slide 1: Regulation 30 intimation covering letter to stock exchanges
HUDCO/CS/SE/2022 8'August, 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: Intima
Slide 2: Investors Presentation & Performance Highlights Q1 of FY 2022-23 (Standalone)
HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED A (A Govt. of India Enterprise) l~™X me An ISO 9001:2015 Certified Company Ww nudco Celebrating 52 Successful Years of Building the Nation hudco INVESTORS PRESENTATION & PERFORMANCE HIGHLIGHTS Q1 OF FY 2022 - 23 (STANDALONE) ile 9 os 21 2022 ie Ae ee
Slide 3: Financial Highlights
FINANCIAL HIGHLIGHTS (Amount in & Crore) 80000 = Quarter ended June-22 60000 = Quarter ended June-21 40000 20000 0 Total Assets Net Worth 2000 1500 1000 500 TOTAL INCOME NIl PBI PAT 22000 20000 18000 16000 14000 12000 10000 8000 6000 4000 2000 465 3 433 SANCTIONS DISBURSEMENTS
Slide 4: Sanctions - Composition
SANCTIONS ~ COMPOSITION yw Q1 Q4 Q3 Q2 Ql 2022-23* 2021-22 2020-21 1,601.49 92.30 53.00 - 1,746.79 915.90 Housing 13.61% 1.91% 1.31% - 8.45% 9.95% 463.10 10,162.73 4,734.98 4,004.46 1.65 463.10 18,903.82 8,265.27 Urban Infrastructure 99.63% 86.34% 98.04% 98.64% 47.41% 99.63% 91.49% 89.82% 1.72 5.90
Slide 5: Disbursements - Composition
DISBURSEMENTS ~ COMPOSITION yw Qi Q4 Q3 Q2 Qi 2022-23* 2021-22 2020-21 681.24 30.00 31.30 507.00 - 1,269.54 3,687.89 Housing - 11.75% 5.99% 3.90% 40.05% : 14.29% 44.31% Urban 429.69 5,116.04 469.41 1,265.65 756.30 429.69 7,607.40 4,622.79 Infrastructure 99.19% 88.21% 93.78% 96.10% 59.74% 99.19% 85.6
Slide 6: Sector-wise Disbursal - Composition
SECTOR-WISE DISBURSAL ~- COMPOSITION UN Ql Q4 Q3 Q2 Ql 2022-23* 2021-22 2020-21 623.54 30.00 500.00 1,153.54 3,600.00 Social Housing 10.75% 2.27% 39.49% 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% 1.06% 3.51 2.89 1.13 2.85 2.72 3.51
Slide 7: Outstanding Loan - Composition
OUTSTANDING LOAN ~ COMPOSITION AW Ql Q4 Q3 Q2 Ql 2022-23* 2021-22 2020-21 74,703.42 75,934.31 71,718.78 72,807.80 72,884.39 74,703.42 75,934.31 73,195.78 Government Agencies 96.67% 96.72% 96.52% 96.55% 96.55% 96.67% 96.72% 96.58% 2,572.08 2,578.67 2,585.48 2,601.54 2,605.96 2,572.08 2,578.67 2,590.8
Slide 8: Details of Borrowings
DETAILS OF BORROWINGS aA A Ql Q4 Q3 Q2 Ql 2022-23* 2021-22 2020-21 Long Term Borrowing Tax Free Bonds 15,031.76 15,031.76 17,198.18 17,388.47 17,388.47 15,031.76 15,031.76 17,388.47 25.02% 24.42% 29.75% 29.78% 29.32% 25.02% 24.42% 28.49% Taxable Bonds@ 36,060.00 39,468.47 37,968.47 37,981.67 37,981.
Slide 9: Funds Raised During the Year
FUNDS RAISED DURING THE YEAR lw hudco Ql Q4 Q3 Q2 Ql 2022-23* 2021-22 2020-21 Taxable Bonds - 2,500.00 - - - - 2,900 6,350.00 Refinance from 7 . . . . - - - NHB/IIFCL Banks - - - - : - - - -Short-Term Loans # 3,500.00 2,582.50 - 267.25 1,066.00 3,500.00 _— 2,582.50 - -Medium Term/Long 1,079.50 2,000
Slide 10: Classification of Assets
CLASSIFICATION OF ASSETS ES hudco I. Stage 1 73,467.32 95.07 71,301.51 94.45 ll. Stage 2 1,002.74 1.30 1,116.67 1.48 Hl. Stage 3 2,805.44 3.63 3,072.17 4.07 Total 77,275.50 100.00 75,490.35 100.00 Total ECL (2 in Crore) 2,503.34 2,764.52 Gross NPA (%) 3.63 4.07 Net NPA (%) 0.51 0.51 As per Ind AS, t
Slide 11: Financial Statements
FINANCIAL STATEMENTS Income: - Revenue from Operations 1,749.27 1,790.31 - Other Income 8.05 8.04 Total Income (1) 1,757.32 1,798.35 Expenses: - Finance Cost 1,118.45 1,146.59 - Employee Benefit Expenses 48.12 59.17 - Other Expenses 25.04 21.06 - Corporate Social Responsibilities 11.25 15.46 - Depre
Slide 12: Key Indicators
KEY INDICATORS Yield on Loan (%) (Annualised) 9.16% 9.66% 7.36% 7.63% Cost of Funds (%) (Annualised) Interest Spread (%) 1.80% 2.03% 3.28% 3.43% Net Interest Margin (%) (Annualised) 1.49 1.47 Interest Coverage Ratio (times) 3.96 4.28 Debt Equity Ratio (times) 14,892.06 13,604.65 Net Worth (INR Crore
Slide 13: Shareholding Pattern
SHAREHOLDING PATTERN President of India 81.81 81.81 Foreign Institutional Investors/ Foreign Nationals/ Foreign 0.22 0.23 Portfolio Investors Resident Individual/ Employees 8.93 8.94 Mutual fund/ AIF 1.61 1.57 Nationalized Banks/ Other Banks/ Indian Fl 0.05 0.05 Domestic Companies 0.45 0.42 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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