LIC Housing Finance Ltd.

Financial

	LIC Housing Finance	PNB Housing Finance	Housing & Urban Dev.
Operational Metrics
Banking Sector
Net Interest Margin	2.7 %	3.7 %	3.19 %
Capital to Risks Assets Ratio (CRAR)	21.49 %	28.78 %	86.61 %
Tier I Capital	20.0 %	27.98 %	57.53 %
NBFC
Cost To Income Ratio	12.9 %	26.2 %	11.4 %
Cost of Borrowing	7.78 %	7.83 %	7.46 %
Gross NPA	2.75 %	1.19 %	1.88 %
Net NPA	2.75 %	0.8 %	0.27 %
Financials
5 yr Average ROE	12.28 %	9.31 %	12.29 %
5yr average Equity Multiplier	10.57	7.07	5.69
5yr Average Asset Turnover Ratio	0.08	0.1	0.09
5yr Avg Net Profit Margin	13.51 %	14.15 %	24.1 %
5yr Avg Net Profit Margin	13.51 %	14.15 %	24.1 %
5yr CAGR Net Profit	14.72 %	18.47 %	4.38 %
5yr CAGR Sales	6.68 %	-3.13 %	1.5 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.99	1.65	2.74
P/E	6.48	14.34	17.51
Shareholdings
Promoter Holding	45.24 %	28.1 %	75.0 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-4.47 %	-6.81 %
Change in Mutual Fund Holding (3 Yrs)	5.83 %	19.24 %	-0.12 %

Business

	LIC Housing Finance	PNB Housing Finance	Housing & Urban Dev.
Product Wise Break-Up	Product Wise Break-Up Interest Income 98.42 Fee and commission income 0.21 Fees & Commission Income 0 Rental Income 0 Dividend Income 0 Others 1.37	-	Product Wise Break-Up Fees & Commission Income 0 Fee and commission income 0 Rental Income 0.52 Dividend Income 0 Interest Income 99.47 Others 0.01
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Non Convertible Debentures 54.0 Loan From Banks 33.0 Refinance 5.0 Commercial Papers 4.0 Public Deposit 3.0 Upper Tier II Bonds 1.0 Term Loans from LIC of India/HUDCO 0 Subordinated Bonds (Tier II) 0 NCD 0 CP 0 Deposits 0 ECBs 0 Bank Term Loans 0 NHB Refinance 0 Commercial papers 0 FCL/FCTL/FCNR(B) (Loan from Banks) 0 Banks 0 Foreign Currency Borrowings 0 Public Deposits 0 Refinance from NHB 0 Taxable Bonds 0 Tax Free Bonds 0	Borrowing Break-Up - NBFC Banks 0 Non Convertible Debentures 0 ECB 2.8 NCD 9.8 Refinance 0 Term Loans from LIC of India/HUDCO 0 Tax Free Bonds 0 Foreign Currency Borrowings 0 Loan From Banks 0 Public Deposit 0 FCL/FCTL/FCNR(B) (Loan from Banks) 0 Bank Loan 40.4 Taxable Bonds 0 Commercial Papers 0 NHB 11.9 Commercial papers 0 Subordinated Bonds (Tier II) 0 CP 6.2 Deposits 28.8 Refinance from NHB 0 Public Deposits 0 Upper Tier II Bonds 0 Others 0.1	Borrowing Break-Up - NBFC Banking 37.9 Non Convertible Debentures 0 ECBs 0 NCD 0 Refinance 0 Term Loans from LIC of India/HUDCO 0 Tax Free Bonds 15.31 Foreign Currency Borrowings 0 Loan From Banks 0 Public Deposit 0 Loan From Banks 15.11 Bank Term Loans 0 Taxable Bonds 20.82 Commercial Papers 0 NHB Refinance 0 Commercial papers 0 Subordinated Bonds (Tier II) 0 CP 0 Deposits 0 Refinance 4.22 Public Deposits 0 Upper Tier II Bonds 0 Others 6.64
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 West India 0 South India 0 North India 0	Location Wise Break-Up South India 29.8 North India 34.6 India 0 West India 35.6 Rest of the World 0	Location Wise Break-Up South India 0 North India 0 India 100.0 West India 0 Rest of the World 0
AUM Break-Up - NBFC	AUM Break-Up - NBFC Home loans 85.1 Retail 10.3 Developer Loans 2.9 Retail Non- residental Premises Loans 0 Retail Loan Against Property 0 Non-Housing Loan 0 Construction Finance(Housing Loan) 0 Individual Housing Loan(Housing Loan) 0 Others 1.7	AUM Break-Up - NBFC Home loans 0 Retail Non- residental Premises Loans 0 Home loans 72.2 Construction Finance(Housing Loan) 0 Developer Loans 0 Non-Housing Loan 27.8 Retail Loan Against Property 0 Retail 0	-

LIC Housing Finance Ltd.

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