Housing & Urban Development Corp. Ltd. · NSE:HUDCO
Housing & Urban Development — Q4 FY2022-23 Earnings Presentation
14 slides from Housing & Urban Development's earnings presentation, May 26, 2023
Slide 1: Regulation 30 intimation letter to stock exchanges
HUDCO/CS/SE/2023 26" May, 2023 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: Intimat
Slide 2: Investors Presentation & Performance Highlights Q4 & FY 2022-23
ae AND URBAN DEVELOPMENT CORPORATION LIMITED (A Govt. of India Enterprise) l~™X (3/4 An ISO 9001:2015 Certified Company Ww “Wine hudco INVESTORS PRESENTATION & PERFORMANCE HIGHLIGHTS Q4 & 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) 88000 — FY 2022-23 66000 — FY 2021-22 44000 22000 0 Total Assets Net Worth 8000 7086 6998 6000 4000 UES XO 2289 2346 1702 1717 2000 TOTAL INCOME NIT PBI PAT TAY 24572 VEN 21000 eee eee 12000 9000 6000 3000 SANCTIONS DISBURSEMENTS
Slide 4: Sanctions - Composition
SANCTIONS ~- COMPOSITION yw hudco Q4 Q3 Q2 Ql Q4 Q3 Q2 Q1 2022-23 2021-22 2020-21 29.82 38.60 3,385.00 - 1,601.49 92.30 53.00 - 3,453.42 1,746.79 915.90 Housing 3.10% 0.63% 19.92% - 13.61% 1.91% 1.31% - 14.05% 8.45% 9.95% Urban 925.31 6,111.04 13,606.74 463.10 10,162.73 4,734.98 4,004.46 1.65 21,106
Slide 5: Disbursements - Composition
DISBURSEMENTS ~ COMPOSITION yw hucico Q4 Q3 Q2 Ql Q4 Q3 Q2 Ql 2022-23 2021-22 2020-21 188.50 1,540.95 100.00 - 681.24 30.00 351.30 307.00 1829.45 1,269.54 3,687.89 Housing 5.62% 35.08% 34.93% - 11.75% 5.99% 3.90% 40.05% 21.61% 14.29% 44.31% Urban 3,162.91 2,850.28 185.03 429.69 5,116.04 469.41 1,265
Slide 6: Sector-wise Disbursal - Composition
SECTOR-WISE DISBURSAL ~- COMPOSITION l~X Q4 Q3 Q2 Ql Q4 Q3 Q2 Ql 2022-23 2021-22 2020-21 150.00 1,500.00 100.00 623.54 30.00 500.00 1,750.00 1,153.54 3,600.00 Social Housing 4.47% 34.15% 34.93% 10.75% 2.27% 39.49% 20.67% 12.98% 43.25% 38.50 40.95 57.70 30.00 21.30 7.00 79.45 116.00 87.89 Residential
Slide 7: Outstanding Loan - Composition
OUTSTANDING LOAN ~ COMPOSITION yw hudco Q4 Q3 Q2 Ql Q4 Q3 Q2 Q1 2022-23 2021-22 2020-21 Government 78,266.86 76,738.06 73,643.94 74,703.42 75,934.31 71,718.78 72,807.80 72,884.39 78,266.86 75,934.31 73,195.78 Agencies 96.93% 96.78% 96.63% 96.67% 96.72% 96.52% 96.55% 96.55% 96.93% 96.72% 96.58% 2,476
Slide 8: Borrowings composition
(Amount in ¥ Crore) Financial Year 22-23 (At the end of) Financial Year 21-22 (At the end of) For the Financial Year Long Term Borrowing ge wettmmnaneann2 2020.21 2019.20 14,014.04 15,031.76 15,031.76 15,031.76 15,031.76 17,198.18 17,388.47 17,388.47 14,014.04 15,031.76 17,388.47 17,388.47 Tax Free
Slide 9: Funds Raised During the Year
FUNDS RAISED DURING THE YEAR a FY 23 FY 22 FY 23 FY 22 FY 21 FY 20 Taxable Bonds 2,000.00 2,500.00 3,970.00 2,500.00 6,350.00 7,695.00 Refinance from NHB/IIFCL 2,294.00 Banks * -Short-term Loans # 1,769.50 2,582.50 1,769.50 2,582.50 -Medium Term/ Long Term Loan 3,080.00 2,000.00 10,421.50 2,000.00 C
Slide 10: Classification of Assets
CLASSIFICATION OF ASSETS hudco . Stage 72,929.88 90.32 73,517.96 93.64 ll. Stage 2 eer 6.26 2,187.60 2.79 Il. Stage 3 2,759.17 3.42 2,809.20 3.58 Total 80,743.31 100.00 78,514.76 100.00 Total ECL (% in Crore) 2,431.06 2,904.23 Gross NPA (%) 3.42 3.58 Net NPA (%) 0.52 0.51 As per Ind AS, the impairme
Slide 11: Financial Statements
FINANCIAL STATEMENTS Income: - Revenue from Operations 1,852.38 1,726.93 7,049.46 6,954.08 - Other Income 10.03 17.35 36.72 43.58 Total Income (1) 1,862.41 1,744.28 7,086.18 6,997.66 Expenses: - Finance Cost 1,150.56 1,096.77 4,509.21 4,534.77 - Employee Benefit Expenses 53.14 38.03 186.62 218.09 -
Slide 12: Key Indicators
KEY INDICATORS Yield on Loan (%) (Annualised) 9.01% 9.15% 7.25% 7.40% Cost of Funds (%) (Annualised) Interest Spread (%) 1.76% 1.75% 3.19% 3.13% Net Interest Margin (%) (Annualised) 1.51 1.52 Interest Coverage Ratio (times) 3.96 4.09 Debt Equity Ratio (times) 15,445.25 14,468.31 Net Worth (INR Crore
Slide 13: Shareholding Pattern
SHAREHOLDING PATTERN President of India 81.81 81.81 Foreign Institutional Investors/ Foreign Nationals/ Foreign 0.30 0.46 Portfolio Investors Resident Individual/ Employees 9.20 9.01 Mutual fund/ AIF 1.18 1.16 Nationalized Banks/ Other Banks/ Indian Fl 0.00 0.00 Domestic Companies 0.58 0.67 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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