india's leading housing finance players
TRANSCRIPT
1
INDIA‘S LEADING HOUSING FINANCE PLAYERS AS ON 21ST APRIL ‘15
2
MARKET CAP OF PUBLIC / PRIVATE BANKS
PUBLIC BANKS MARKET CAP(Rs in crore)
State Bank Of India (SBI) 2,20,479
Bank Of Baroda (BOB) 39,998
Punjab National Bank (PNB) 30,637
Canara Bank 19,288
Bank Of India (BOI) 15,163
MONEYCONTROL
PRIVATE BANKS MARKET CAP(Rs in crore)
HDFC 2,55,788
ICICI 1,82,840
AXIS 1,26,563
KOTAK MAHINDRA 1,05,917
INDUSIND 45,466
3
TOTAL LOAN OUTSTANDING
2010-11 2011-12 2012-13 2013-14
Public Banks NaN 148201 169797 197475 244823
Private Banks NaN 127511 134897 168503 205516
HFC NaN 138431.8 168015.6 227512.5 270895.1
50000
150000
250000
350000
450000
550000
650000
750000
TOTA
L LO
AN
OU
TSTA
ND
ING
( Rs
in
cror
e) CAGR =
12.67%
CAGR = 13.37%
CAGR = 18.27%
CAGR = 14.88%
4
MARKET SHARE
36%
31%
33%
2010-11TOTAL HOME LOAN = Rs
414143.8 CrPUBLICPRIVATEHFC 36%
29%
36%
2011-12TOTAL HOME LOAN=Rs
472709.6 CrPUBLICPRIVATEHFC
33%
28%
38%
2012-13TOTAL HOME LOAN = Rs
593490.5 CrPUBLICPRIVATEHFC 34%
28%
38%
2013-14TOTAL HOME LOAN = Rs
721234.1 CrPUBLICPRIVATEHFC
AS PER MARKET SHARE HFC’S LENDING INCREASED BY 5% FROM 2010-2014 WHICH IT GRABBED FROM PUBLIC AS WELL AS PRIVATE BANKS.
5
GROWTH RATE
2011 2012 2013
Public Banks 14.5721014028245 16.3006413540875 23.9767059121408
Private Banks
5.79244143642509 24.9123405264757 21.9657810246702
HFC 21.3706677223008 35.4115332147729 19.0682270204933
Total 14.1414165804245 25.5507609746026 21.5241187516902
38
131823283338
GRO
WTH
PER
CEN
TAG
E
HOUSING FINANCE HAS GROWN AT A HIGHER RATE AS COMPARED TO OTHER SECTORS
6
CAGR FROM 2011-2013 FOR TOP HOME LOAN LENDERS
0 2 4 6 8 10 12 14 160
10
20
30
40
50
60
70
80
90
SBI
BOB
PNB
CANARA
BOIHDFC
ICICI
AXIS,
KOTAK
INDUSIND
LIC HF,
HDFC HF
DHFL
INDIABULLS
GRUH
CAGR
CAGR
PRIVATE BANK CAGR = 12.67% PUBLIC CAGR= 13.37%
HFC CAGR = 18.27%
7
LOAN OUTSTANDING OF TOP 5 PUBLIC SECTOR BANKS IN HOUSING LOANS
BANKS 2009-10 2010-11 2011-12 2012-13 2013-14
SBI
71,193
86,769
1,02,739
1,19,889
1,40,738
BOB
10,601
13,085
15,729
17,702
22,363
PNB
12,666
21,972
24,606
29,172
37,361
CANARA BANK
12,062
9,880
10,082
11,325
17,039
BOI
14,742
16,495
16,641
19,387
27,322
AS ON MARCH 31 (Rs in crore)
8
TOTAL LENDING BY TOP 5 PUBLIC BANKS2009-10
2010-11
2011-12
2012-13
2013-14
SBI
71193
NaN
NaN
86769
NaN
NaN
102739
NaN
NaN
119889
NaN
NaN
140738
BOBPNB
CANARA
BOI
25,000
75,000
125,000 LOA
N O
UTS
TAN
DIN
G (R
s in
cro
re)
10%10%
59%
11%
9%
15%
7%
15%
58%
12%
9%
7%15%
58%
10%6%
14%9%
61%
10%6%
9%
60%
11%
9%
9
LOAN OUTSTANDING OF TOP 5 PRIVATE SECTOR BANKS IN HOUSING LOANS
BANKS 2009-10 2010-11 2011-12 2012-13 2013-14
HDFC
20,541
26,573
20,720
25,242
29,749
ICICI
57,995
71,245
73,529
89,003
109,201
AXIS
15,613
20,647
30,775
41,551
52,685
KOTAK MAHINDRA
5,647
8,832
9,757
11,238
11,336
INDUSIND
147
214
116
1,469
2,545
AS ON MARCH 31 ( Rs In Crore)
10
TOTAL LENDING BY TOP 5 PRIVATE BANKS2009-10
2010-11
2011-12
2012-13
2013-14
HDFC BANK
20541.39
NaN
NaN
26572.67
NaN
NaN
20720.1
NaN
NaN
25241.74
NaN
NaN
29749.41
ICICI BANK
AXIS BANK
KOTAK MAHINDRA
INDUS IND BANK
25,000
75,000
125,000
LOA
N O
UTS
TAN
DIN
G (
Rs in
cro
re)
20%
1%6%
16%
56%
21%
6%
23%
55%
15%
7%
14%
1%5%16%
58%
1%
1%
24%
53%
15%
1%6%
26%
53%
11
LOAN OUTSTANDING OF TOP 5 HOUSING FINANCE COMPANIES (HFC) IN HOUSING
LOANSHOUSING
CORP 2009-10 2010-11 2011-12 2012-13 2013-14
LIC HF
32,462.982
44,890.332
57,751.802
72,565.909
85,358.886
HDFC HF
72,036
86,536 1,08,054.76 1,29,128.39
DHFL
13,579.510
16,876.780
29,484.790
33,254.860
INDIABULLS
2,549
5,017
3,138
12,443
16,694
GRUH
2,909
3,713
4,964
6,459
AS ON MARCH 31 ( Rs in crore)
12
TOTAL LENDING BY TOP 5 HFC2010-11
2011-12
2012-13
2013-14
LIC HF
44890.4
NaN
NaN
57751.8
NaN
NaN
72565.9
NaN
NaN
85358.8
HDFC HF
DHFL
INDIABULLS
GRUH
25,000
75,000
125,000 LOA
N O
UTS
TAN
DIN
G (
Rs in
cro
re)
2%
5%
2%4%10%
52%
32%
2%
10%
52%
34%
2%
13%
48%
32%
2%
6%
12%
48%
32%
13
THANK YOU