India Home Loan Ltd. · BSE:INDIAHOME
India Home Loan — Investor Presentation (March 2018)
11 slides from India Home Loan's investor presentation, March 2018
Slide 1: India Home Loan Limited
India Home Loan Limited Investor Presentation for the period ended December 2017
Slide 2: Index
INDIA HOME LOAN LIMITED Index 2 3-5 6-7 Section E Section E Management and Board of Directors Section F 8 9 1
Slide 3: December 2017: Overview / Highlights
INDIA HOME LOAN LIMITED December 2017 : Overview / Highlights Loan book @ INR 140.83 Crores vs. INR 42.21 Crores in March 2017; Growth of ~334% YTD December 2017 PAT INR 2.18 Crore; YTD growth of ~220% over FY 17 YTD December 2017 Disbursal of INR 107.64 Crore and INR 56.83 Crore in Q3 YTD N
Slide 4: Dashboard: Key Financials
INDIA HOME LOAN LIMITED Dashboard : Key Financials INR Lakhs, unless specified Financial Snapshot 9MFY18 Q3FY18 Q2FY18 Q1FY18 FY17 Interest Income 859 407 256 196 526 Interest Expense 375 215 97 63 174 Net Interest Income 484 192 159 133 352 Fee Income 187 97 55 34 60 Total Income 671 289 214 168 41
Slide 5: Dashboard: Key Ratios
INDIA HOME LOAN LIMITED Dashboard : Key Ratios Financial Snapshot 9MFY18 Q3FY18 Q2FY18 Q1FY18 FY17 Return on Assets 3.2% 3.2% 4.0% 3.9% 2.7% 0.70 Return on Equity 2.71 9.0% 11.0% 9.3% 6.5% 4.0% Wt Avg yield (loans) 13.7% 13.7% 13.7% 13.9% 13.4% Borrowing cost 0.70 10.5% 10.5% 10.5% 10.8% 12.7% 3.87
Slide 6: Dashboard: ROA Tree
INDIA HOME LOAN LIMITED Dashboard : ROA Tree ROA Tree 9MFY18 FY17 0.70 2.71 Interest Income 12.5% 14.3% Interest Expense 5.5% 4.7% 0.70 3.87 Net Interest Income 7.0% 9.6% Fee Income 2.7% 1.6% Total Net Income 9.7% 11.2% 0.70 5.56 Operating Expenses 5.2% 6.9% Provision for Credit Loss 0.3% 0.5% Total
Slide 7: Asset Profile
INDIA HOME LOAN LIMITED Asset Profile INR Lakhs, unless specified Asset Mix - Value YTD Dec 2017 YTD Sep 2017 YTD Jun -17 YTD Mar 2017 Home Loans 11,301 7,570 4,861 2,963 SME Lap 1,002 379 343 240 Project Funding 1,780 869 1,004 1,018 Total 14,083 8,819 6,208 4,221 Asset Mix - %age YTD Dec 2017 YTD
Slide 8: Asset Profile (Portfolio Banding)
INDIA HOME LOAN LIMITED Asset Profile (Portfolio Banding) INR Lakhs, unless specified Portfolio Banding for Home Loans INR in Lakhs Portfolio Banding for Project Finance INR in Lakhs Loan Amount Range No. of Loan % of Total Loan Amount Range No. of Loan % of Total Customers Outstanding Customers Out
Slide 9: Liability Profile
INDIA HOME LOAN LIMITED Liability Profile INR Lakhs, unless specified YTD Dec-17 YTD Sept-17 YTD Jun-17 YTD Mar-17 Liability Mix - Value Banks 10,653.5 6,187.3 2,805.6 889.9 FI's 1,191.7 435.4 479.2 522.9 Total 11,845.2 6,622.7 3,284.8 1,412.8 YTD Dec-17 YTD Sept-17 YTD Jun-17 YTD Mar-17 Liability M
Slide 10: Balance Sheet: December 2017
INDIA HOME LOAN LIMITED Balance Sheet : December 2017 INR Lakhs, unless specified As at 31st As at 30th As at 30th June As at 31st Balance Sheet December 2017 September 2017 March 2017 Equity 1,428 1,428 1,428 1,428 Reserves 1,917 1,825 1,750 1,699 Net Worth 3,345 3,253 3,178 3,127 Borrowings 11,845
Slide 11: Thank You
INDIA HOME LOAN LIMITED THANK YOU 10