Housing & Urban Development Corp. Ltd. · NSE:HUDCO
Housing & Urban Development — Q2 FY2019-20 Earnings Presentation
14 slides from Housing & Urban Development's earnings presentation, Nov 13, 2019
Slide 1: Profitability with Social Justice
YEARS OF CELEBRATING THE MAHATMA HUDCO/CS/SE/2019 13th November, 2019 The Secretary The Secretary BSE Limited National Stock Exchange of India Ltd. Phiroze Jeejeebhoy Towers Exchange Plaza, C-1, Block G, Dalai Street Bandra Kuria Complex, Bandra (E) Mumbai- 400001 Mumbai- 400051 Scrip Code- 540530 N
Slide 2: Management Presentation Performance Highlights Q2 FY 2019-2020 (Standalone)
Management Presentation Performance Highlights Q2 FY 2019 - 2020 (STANDALONE) Highest Domestic Credit Rating AAA from ICRA, CARE, and India Ratings & Research. 1
Slide 3: Financial Highlights
FINANCIAL HIGHLIGHTS (Amount in Rs. Crore) Qtr ended Sep-18 70000 75870 60000 Qtr ended Sep-19 50000 48343 Balance 40000 Sheet 30000 20000 10571 11980 10000 0 TOTAL ASSETS NET WORTH 4500 3870 4000 2793 3500 Income 3000 Statement 2500 1379 2000 1249 1275 1500 920 1062 1000 616 500 0 TOTAL INCOME NII
Slide 4: Sanctions - Composition
Sanctions - Composition (Amount in Rs. Crore) Financial Year 19-20 Financial Year 18-19 12 Months Discipline- wise Q2 Q1 Q1 Q2 Q3 Q4 FY19 FY 18 FY 17 19 - 4000 38 5055 18030 27123 15583 6839 Housing 0.59% - 98.23% 1.35% 96.84% 80.72% 78.73% 40.32% 21.46% Urban 3173 4206 65 2780 59 4292 7196 22879 24
Slide 5: Disbursements - Composition
Disbursements - Composition (Amount in Rs. Crore) Financial Year 19-20 Financial Year 18-19 12 Months Discipline- wise Q2 Q1 Q1 Q2 Q3 Q4 FY19 FY18 FY17 282.26 2062.15 776.16 619.13 8568.38 17423.59 27387.26 4789.39 2293.26 Housing 19.16% 53.12% 59.46% 28.16% 91.68% 95.95% 88.32% 28.91% 25.21% Urban
Slide 6: Sector-wise Disbursal - Composition
Sector -wise Disbursal - Composition (Amount in Rs. Crore) Financial Year 19- Financial Year 18-19 12 Months Discipline-wise 20 Q2 Q1 Q1 Q2 Q3 Q4 FY19 FY18 FY17 282.26 2051.50 751.16 582.50 8457.83 17232.10 27023.59 4484.73 1846.70 Social Housing 98.39% 53.44% 57.55% 26.49% 90.50% 94.90% 87.15% 27.0
Slide 7: 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 Rs. Crore) Financial Year 18-19 Financial Year 19-20 12 Months Borrower-wise (At the end of) Q2 Q1 Q1 Q2 Q3 Q4 FY19 FY17 FY16 Government 72879.27 72627.93 45636.35 46151.07 53252.94 70050.31 70050.31 45985.60 36053.73 Agencies 95.72% 95
Slide 8: Classification of Assets
(Amount in Rs. Crore) CLASSIFICATION OF ASSETS September, 2019 September, 2018 S. No. Exposure at Default Outstanding (₹ Outstanding (₹ in % % in Crore) Crore) 1. Stage 1 72794.25 95.61% 45729.07 92.51% 2. Stage 2 148.05 0.19% 352.25 0.71% 3. Stage 3 3196.23 4.20% 3353.35 6.78% Total 76138.53 100% 4
Slide 9: Details of Borrowings
D e ta i l s o f B o r r o w i n g s (Amount in Rs. Crore) Financial Year 18-19 Financial Year 2019-20 12 Months (At the end of ) Particulars Q2 Q1 Q1 Q2 Q3 Q4 FY 19 FY 18 FY 17 Tax Free Bonds 17388.47 17388.47 17388.47 17388.47 17388.47 17388.47 17388.47 17388.47 17388.47 28.56% 28.27% 48.73% 48.97
Slide 10: 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 Rs. Crore) Financial Year 19-20 Financial Year 18-19 12 Months Particulars Q2 Q1 Q1 Q2 Q3 Q4 FY 19 FY 18 FY 17 Taxable Bonds 3810.00 2485.00 100.00 - 7960.00 15950.00 24010.00 4655.00 3865.00 Refinance from - 1000.00 - 1500.00 - - 1500.00 100
Slide 11: Financial Statements
F I N A N C I A L S TAT E M E N T S (As per ind as) (₹ in crore) Quarter ended Half Year ended Particulars th 30 September, 2019 th 30 September, 2018 th 30 September, 2019 th 30 September, 2018 (Reviewed) (Reviewed) (Reviewed) (Reviewed) Income: - Revenue from Operations 2044.73 1224.38 3851.22 277
Slide 12: Key Indicators
(Amount in Rs. Crore) Key Indicators Quarter Ended Particulars September 19 March 19 Yield on Loan (%) (Annualised) 10.69% 10.15% Cost of Funds (%) (Annualised) 8.06% 7.01% Interest Spread (%) 2.63% 3.14% Net Interest Margin (%) (Annualised) 3.85% 4.52% Debt Service Coverage Ratio (times) 0.47 0.43
Slide 13: Shareholding Pattern
S h a r e h o l d i n g Pa t t e r n 30.09.2019 25.10.2019 Particulars % % President of India 89.81 89.81 Foreign Institutional Investors/ Foreign Nationals/ Foreign Portfolio Investors 0.08 0.07 Resident Individual/ Employees/ HUF 6.30 6.34 Mutual fund/ AIF 0.81 0.81 Bodies corporate 0.61 0.59 Insu
Slide 14: Foundation for a Stronger India
13 Foundation for a Stronger India
Housing & Urban Development — Q2 FY2019-20 Earnings Presentation on 6ix