Corporate Overview

Statutory Report

Financial Statements

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PNB Housing Finance Limited (PNB Housing) is a housing finance company (HFC) registered with the National Housing Bank (NHB). Punjab National Bank (PNB) is the promoter.

Performance highlights FY 2019-20

` 9,424 crores

24%

Disbursements

` 42,173 crores

1%

AUM

1.32%

181 basis points

Total asset to total provision

` 2,308 crores

12%

Net interest income

0.55%

10 basis points

OPEX to ATA

` 2,062 crores

7%

Operating profit

3.21%

13 basis points

Gross margin

` 646 crores

46%

Profit after tax

2.46%

11 basis points

Spread

` 16,470 crores

15%

Deposits

8.25%

25 basis points

Average cost of borrowing

10.71%

36 basis points

Average yield

Note: % change over FY 2018-19 unless mentioned otherwise

Key performance indicators

MAINTAINING A STABLE MOMENTUM

Loan disbursement
(` in Crores)

7% CAGR

Assets under management^
(` in Crores)

32% CAGR

Operating profit*
(` in crores)

37% CAGR

Profit after tax*
(` in crores)

19% CAGR

Cost to income*
(%)

Total revenue*
(` in Crores)

33% CAGR

*FY18, FY19 and FY20 financial numbers are on Ind AS basis whereas prior numbers are based on IGAAP
^Indicates dates as on March 31

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People

INVESTING IN HUMAN CAPITAL

PNB Housing strongly believes companies that create a productive work environment, offer development opportunities and quality training, and place equality and fairness above all are the organisations of the future.

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1,549

Employees on PNB Housing Finance payroll

2,498

Employees on PHFL payroll

18.33%

Ratio of women in workforce
(vs. 17.34% last year)

52.60%

New hires in the age
group 20-30

COVID-19 response

As a customer-facing business, remote working is not instinctive. However, with the help of the IT team, the Company transitioned its employees to a virtual environment with ease. A trial work from home was conducted on March 21, 2020; remote working was initiated with the announcement of the nationwide lockdown on March 24, 2020.

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