Housing & Urban Development Corp. Ltd. · NSE:HUDCO
Housing & Urban Development — H1 FY2022-23 Earnings Presentation
13 slides from Housing & Urban Development's earnings presentation, November 2022
Slide 1: Investors Presentation & Performance Highlights Half Year of FY 2022-23 (Standalone)
INVESTORS PRESENTATION & PERFORMANCE HIGHLIGHTS HALF YEAR OF FY 2022 - 23 (STANDALONE) Highest Domestic Credit Rating AAA from ICRA, CARE, and India Ratings & Research.
Slide 2: Financial Highlights
FINANCIAL HIGHLIGHTS (Amount in ₹ Crore) 80000 Period ended Sep-22 76817 75729 60000 Period ended Sep-21 Balance Sheet 40000 20000 14734 13693 0 Total Assets Net Worth 4000 3000 3504 3544 Income Statement 2000 1000 1234 1204 1085 1041 808 775 0 TOTAL INCOME NII PBT PAT 22000 20000 18000 16000 17457
Slide 3: Sanctions - Composition
Sanctions - Composition (Amount in ₹ Crore) Financial Year 22-23 Financial Year 21-22 For the Financial Year Discipline-wise Q2 Q1 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
Slide 4: Disbursements - Composition
Disbursements - Composition (Amount in ₹ Crore) Financial Year 22-23 Financial Year 21-22 For the Financial Year Discipline-wise Q2 Q1 Q4 Q3 Q2 Q1 2022-23* 2021-22 2020-21 100.00 - 681.24 30.00 51.30 507.00 100.00 1,269.54 3,687.89 Housing 34.93% - 11.75% 5.99% 3.90% 40.05% 13.90% 14.29% 44.31% 185.
Slide 5: Sector-wise Disbursal - Composition
Sector -wise Disbursal - Composition (Amount in ₹ Crore) Financial Year 22-23 Financial Year 21-22 For the Financial Year Discipline-wise Q2 Q1 Q4 Q3 Q2 Q1 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.
Slide 6: Outstanding Loan - Composition
O u t s ta n d i n g L o a n - C o m p o s i t i o n (Amount in ₹ Crore) Financial Year 22-23 Financial Year 21-22 For the Financial Year Borrower-wise Q2 Q1 Q4 Q3 Q2 Q1 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 Agen
Slide 7: Details of Borrowings
D e ta i l s o f B o r r ow i n g s Financial Year 22-23 Financial Year 21-22 For the Financial Year Particulars Q2 Q1 Q4 Q3 Q2 Q1 2022-23^ in ₹2021-22 (Amount Crore) 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
Slide 8: Funds Raised during the year
Fu n d s R a i s e d d u r i n g t h e y e a r (Amount in ₹ Crore) Financial Year 22-23 Financial Year 21-22 For the Financial Year Q2 Q1 Q4 Q3 Q2 Q1 Particulars 2022-23* 2021-22 2020-21 Taxable Bonds - - 2,500.00 - - - - 2,500.00 6,350.00 Refinance from - - - - - - - - - NHB/IIFCL Banks - - - - - -
Slide 9: Classification of Assets
CLASSIFICATION OF ASSETS September, 2022 September, 2021 S. No. Exposure at Default Outstanding Outstanding % % (₹ in Crore) (₹ in Crore) I. Stage 1 72,435.58 95.04 71,221.34 94.45 II. Stage 2 881.27 1.16 1,108.08 1.47 III. Stage 3 2,896.50 3.80 3,079.91 4.08 Total 76,213.35 100.00 75,409.33 100.00
Slide 10: Financial Statements
FINANCIAL STATEMENTS (Amount in ₹ Crore) Particulars Quarter Ended Half Year Ended th th th th 30 September, 2022 30 September, 2021 30 September, 2022 30 September, 2021 (Reviewed) (Reviewed) (Reviewed) (Reviewed) Income: - Revenue from Operations 1,738.61 1,736.92 3,487.88 3,527.23 - Other Income
Slide 11: Key Indicators
Key Indicators Half Year Ended Particulars September,2022 September,2021 Yield on Loan (%) (Annualised) 9.25% 9.50% Cost of Funds (%) (Annualised) 7.53% 7.70% Interest Spread (%) 1.72% 1.80% 3.30% 3.27% Net Interest Margin (%) (Annualised) Interest Coverage Ratio (times) 1.49 1.45 Debt Equity Ratio
Slide 12: Shareholding Pattern
S h a r e h o l d i n g Pa t t e r n th th 30 September, 2022 4 November, 2022 Particulars % % President of India 81.81 81.81 Foreign Institutional Investors/ Foreign Nationals/ Foreign Portfolio Investors 0.24 0.14 Resident Individual/ Employees 9.06 9.33 Mutual fund/ AIF 1.41 1.13 Nationalized Ban
Slide 13: 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
Housing & Urban Development Corporation Ltd. (HUDCO) — H1 FY2022-23 Earnings Presentation on 6ix