Sammaan Capital Ltd · NSE:SAMMAANCAP
Sammaan Capital — Indiabulls Housing Finance — Investor Presentation (October 2019)
11 slides from Sammaan Capital's investor presentation, Oct 11, 2019
Slide 1: Business Model: The Phoenix Rises Again
Business Model The Phoenix Rises Again
Slide 2: Business Model: Completely Retail Focused [60% HL, 40% LAP]
Business Model: Completely Retail Focused [60% HL, 40% LAP] Proportion of Origination 40% 40% 20% 100% On-Balance Sheet Retention 8% 4% 20% 32% Co-origination Sell Down Total On-Balance Sheet Smart City Loans [20% on IBH Books] [10% on IBH Books] RoA HL LAP HL LAP HL LAP HL LAP Yield 11.25% 13.0% 9.
Slide 3: Home Loan Profile: Focus on Mid-Income Affordable Housing
Home Loan Profile: Focus on Mid-Income Affordable Housing Average Loan Size ₹ 24 Lakhs Maximum Loan to Value 80% Average Loan to Value 73% [at origination] Average Loan Term 15 years Average Customer Age 38 years Primary Security Mortgage of property financed Repayment Type Monthly amortizing • PMAY
Slide 4: Loan Against Property Product Profile
Loan Against Property Product Profile Average Loan Size ₹ 73 Lakhs Maximum Loan to Value 65% Average Loan to Value 49% [at origination] Average Loan Term 7 years Primary Security Mortgage of property financed Repayment Type Monthly amortizing Average Age of Business 7 years Basis of Credit Appraisal
Slide 5: Smart City Home Loan: Technology-led cost-effective
Smart City Home Loan: Technology-led cost-effective Geographical Expansion through eHome Loans platform Minimum Loan Size ₹ 10 Lakhs Average Loan Size ₹ 15 Lakhs Maximum Loan Size ₹ 40 Lakhs Maximum Loan to Value 80% [at origination] Maximum Loan Term 20 years Average Customer Age 39 years Primary S
Slide 6: Smart City LAP: Technology-led cost-effective
Smart City LAP: Technology-led cost-effective Geographical Expansion through eHome Loans platform Minimum Loan Size ₹ 10 Lakhs Average Loan Size ₹ 25 Lakhs Maximum Loan Size ₹ 50 Lakhs Maximum Loan to Value 55% [at origination] Average Loan to Value 40% Maximum Loan Term 10 years Average Loan Term 5
Slide 7: Co-origination Model
Co-origination Model • Co-origination arrangement has been signed with Bank of Baroda, and tie-up with State Bank of India is in process. Discussions are underway with other public sector banks • Loans originated by IBH team under a jointly drawn up credit policy. IBH will also service the loan acco
Slide 8: Co-origination Model: Home Loans
Co-origination Model: Home Loans Type of Fees Rate Comments Loan Processing Fee 0.15% Paid by customer on loan amount: Entirely goes to IBH Sourcing Fee 0.95% Paid by bank to IBH on its 80% of the loan amount Service Fee 0.50% Paid by bank to IBH on an on-going basis [annually] on its 80% of the out
Slide 9: Co-origination Model: Loans Against Property
Co-origination Model: Loans Against Property Type of Fees Rate Comments Loan Processing Fee 1.00% Paid by customer on loan amount: Entirely goes to IBH Sourcing Fee 1.50% Paid by bank to IBH on its 80% of the loan amount Service Fee 0.50% Paid by bank to IBH on an on-going basis [annually] on its 80
Slide 10: Safe Harbour Statement
Safe Harbour Statement This document contains certain forward-looking statements based on current expectations of Indiabulls Housing Finance Ltd. management (“IBH”). These forward looking statements and any other projections contained herein are predictions and involve known and unknown risks, uncer
Slide 11: Thank you
Indiabulls HOUSING FINANCE Thank you
Indiabulls Housing Finance — Investor Presentation (October 2019) on 6ix