INVESTORS PRESENTATION & PERFORMANCE HIGHLIGHTS Q3 FY 2019 - 20 (STANDALONE) Highest Domestic Credit Rating AAA from ICRA, CARE, and India Ratings & Research. Note: The images used herein are of the Projects financed by HUDCO. Ranchi High Court, Jharkhand SDO Office Building, Bundu
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INVESTORS PRESENTATION & PERFORMANCE HIGHLIGHTS
Q3 FY 2019 - 20 (STANDALONE)
Highest Domestic Credit Rating AAA from ICRA, CARE, and India Ratings & Research.Note: The images used herein are of the Projects financed by HUDCO.
Ranchi High Court, JharkhandSDO Office Building, Bundu
4098
1855 1454 944
5671
1965 1629 12670
100020003000400050006000
TOTAL INCOME NII PBT PAT
55703
10895
74279
121790
20000
40000
60000
80000
Total assets Net Worth
Nine months ended Dec-18
Nine months ended Dec-19
12115 12850
74926013
02000400060008000
100001200014000
SANCTIONS DISBURSEMENTS
Balance Sheet
Income Statement
Business
FINANCIAL HIGHLIGHTS(Amount in ₹ Crore)
S a n ct ions - C o m p o s it ion(Amount in ₹ Crore)
Discipline-wise
Financial Year 19-20 Financial Year 18-19 12 Months
7.90% 7.90% 7.99% 7.57% 7.78% 7.88% 8.04% 8.04% 7.57% 7.70%* Includes cash credit/overdraft facilities, short term working capital loans and Mid-Term Loans.
# Only short term Loan(s) and commercial papers outstanding at Qtr/half year/year end are considered. @ includes GOI fully serviced bonds of ₹ 20,000 crore.
Fu n d s R a i s e d d u r i n g t h e y e a r
* Includes cash credit/overdraft facilities, short term working capital loans and Mid-Term Loans.
(Amount in Rs. Crore)
Particulars
Financial Year 19-20 Financial Year 18-19 12 Months
Total ECL (₹ in Crore) 2834.08 2864.40Gross NPA (%) 4.98 5.82Net NPA (%) 1.23 0.80
As per Ind AS, the impairment of the loan assets is being worked out by following the Expected Credit Loss (ECL) method. Company’s Loan portfolio is divided into three categories:Stage 1 : Loan overdue for a period 0- 30 daysStage 2 : Loan overdue for a period 31-90 daysStage 3 : Loan overdue for a period more than 90 days
CLASSIFICATION OF ASSETS
Particulars
Quarter ended Nine months ended
31st December, 2019(Reviewed)
31st December, 2018(Reviewed)
31st December, 2019(Reviewed)
31st December, 2018(Reviewed)
Income:
- Revenue from Operations 1793.54 1311.16 5643.63 4072.89- Other Income 8.85 8.49 27.61 24.98
Total Income (1) 1802.39 1319.65 5671.24 4097.87Expenses:
Net Loss on Fair Value changes - 31.73 15.18 16.85Total Expenses (2) 1448.29 785.26 4042.06 2643.90PROFIT BEFORE TAX {3 = (1-2)} 354.10 534.39 1629.18 1453.97Tax Expense (4) 148.16 206.13 361.72 510.19
NET PROFIT AFTER TAX {5 = (3-4)} 205.94 328.26 1267.46 943.78
Other Comprehensive Income Net of Tax (6) (0.96) (4.15) (8.08) (4.05)TOTAL COMPREHENSIVE INCOME (5+6) 204.98 324.11 1259.38 939.73Earning per Share (₹) (F. V. ₹ 10/-) (Not annualized)
Paid Up Equity Share Capital (Face value ₹ 10/-) 2001.90 2001.90 2001.90 2001.90
FINANCIAL STATEMENTS (Amount in Rs. Crore)
K e y I n d i c a t o r s
Particulars
Quarter Ended
December, 2019 September, 2019 March, 2019
Yield on Loan (%) (Annualised) 10.49% 10.69% 10.15%
Cost of Funds (%) (Annualised) 7.90% 8.06% 7.01%
Interest Spread (%) 2.59% 2.63% 3.14%
Net Interest Margin (%) (Annualised) 3.66% 3.85% 4.52%
Interest Coverage Ratio (times) 1.45 1.52 1.61
Return on Average Net Worth (%) 10.96% 9.26% 11.29%
Debt Equity Ratio (times) 4.85 5.08 5.46
Net Worth (INR Crore) 12178.96 11980.14 10955.77
Average Net Worth (INR Crore) 11567 11468 10449
Book Value in INR per Share of INR 10 60.84 59.84 54.73
Earning per Share (EPS) in INR (Non-Annualised)
6.33 5.30 5.90
1. Yield on loan is calculated by dividing interest income (including interest received on settlement of NPA cases) on loan assets by average loan assets.2. Cost of funds is calculated by dividing interest expenses by average total borrowings.3. Interest spread is difference between yield on loan and cost of funds.4. Net interest margin is calculated by net interest income on interest earning assets by average interest earning assets.5. Interest coverage ratio is calculated by dividing Earnings before interest and tax by finance cost.6. Debt service coverage ratio is calculated by dividing Earnings before interest and tax by finance cost & principal repayment.7. Return on net worth is calculated by dividing profit after tax for the period by average net worth.8. Debt equity ratio is calculated by dividing total debt by equity.