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Q2 FY16 Investor Update

Established in 1989, listed on major stock exchanges, profit-making since 1990, with a market cap over Rs. 24,000 cr. Exceptional performance and highest ratings. Significant loan assets and a track record of excellence. Growth trajectory and financial highlights provided. Disclaimer: Information shared for informational purposes. Users urged to make informed decisions.

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Q2 FY16 Investor Update

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  1. Q2 FY16 Investor Update

  2. Promoted by the LIC of India in 1989 • IPO in1994, GDR in 2004 • Listed on BSE, NSE & Luxembourg SE • Profit making & dividend paying since 1990 • Highest ratings (AAA) since 2002 • More than 18 lakh customers serviced till date • Market capitalization more than Rs. 24000 cr • Total loan assets more Rs. 1,14,000 cr • 97% of loan assets in retail category • Cumulative Disbursements Rs.1.83 lakh cr since inception Shareholding Pattern- Sept’15

  3. A Journey of 26 Years… 2015 • Crossed Rs. 1000 cr profit & Rs 75,000 Cr assets • Best HFC by ABP News 2014 2013 • Crosses Rs 1 lakh cr in portfolio • Best Housing Finance Co. by BFSI Awards • Best data quality in HFC by CIBIL 2012 2011 2009 • Best HFC by CNBC TV 18 • Construction Industry Award 2004 Crossed Rs. 50,000 Cr loan portfolio 2002 Crossed Rs. 500 crs profit GDR Issue 1994 AAA Rating 1989 IPO Incorporated

  4. Q2 FY16 PAT at Rs 411.73 cr as against Rs 341.35 cr up 21% Q2 FY16 Revenue from operations up by % to Rs 3026 cr Outstanding Loan portfolio up by 17 % to Rs.114069 cr Individual Loan Portfolio up by 17% to Rs 111076 cr Q2FY16 Disbursements Rs 8390 cr against Rs 7196 cr up by 17% Net Interest Income Rs 717 cr up by 35% Net Interest Margins % for Q2 FY16as against %for Q2FY15 Gross NPAs at 0.60% as against 0.63% as on 30.9.2014 Net NPAs 0.32% as against 0.33% on corresponding dates Individual Loans Gross NPAs 0.33 % down from 0.38% as on 30.9.2014 Total Provisions at Rs 779 cr as against total Gross NPAs of 683 cr Executive Summary – Q2/FY16 4

  5. Update – last 5 years Disbursement (Rs. Cr) CAGR 13% Loan Portfolio (Rs.cr) CAGR 21% Income (Rs. cr) CAGR 22% Profit After Tax (Rs. cr) CAGR 9%

  6. Update – last 5 years Gross & Net NPAs Total Provisions* (Rs cr) Operating Expense to Total Income Profit per employee (Rs. lacs) * Provisions Including Provisions on Std. Assets & Teaser Loans

  7. Update – last 5 years EPS (Rs) (Rs 2 pd up) Book Value (Rs)(Rs 2 pd up) Return on Avg Equity Return on Avg Loan Assets *FY 2015 PAT before DTL considered

  8. Corporate office Regional offices Back offices Amritsar Jalandhar Operating offices Shimla Ludhiana Chandigarh Ambala Bhatinda Dehradun Patiala Hisar Noida Karnal Meerut Haldwani Gurgaon New Delhi Gangtok Faridabad Ghaziabad Bareilly Bikaner Siliguri Jorhat Gorakhpur Guwahati Agra Jaipur Lucknow Kota Jodhpur Ajmer Malda Udaipur Patna Silchar Kanpur Gwalior Dhanbad Varanasi Behrampur Ahmedabad Allahabad Durgapur Ranchi Gandhidham Bhopal Jamshedpur Kolkata Vadodara Indore Rajkot Rourkela Jabalpur Bilaspur Surat Nagpur Jalgaon Raipur Vapi Durg-Bhilai Cuttack Nallasopara Nasik Bhubaneshwar Aurangabad Kalyan Thane Warangal Jogeshwari Mumbai Visakapatnam Pune Hyderabad Rajahmundry Vashi Gulburga Kolhapur Vijayawada Satara Kurnool Kakinada Belgaum Anantapur Guntur Panjim Bellary Nellore Hubli Tirupati Bengaluru Mangalore Chennai Hosur Mysore Vellore Hassan Salem Kannur Coimbatore Thrissur Erode Tiruchirapalli Kozhikode Pondicherry Palghat Thanjavur Ernakulam Madurai Kottayam Thiruvananthapuram Tirumangalam Kollam Nagercoil Geographic Presence • 7 Regional Offices • 16 Back Offices • 234 Marketing Offices • Rep offices in Dubai & Kuwait • Coverage of more than 450 centres • 1756 Employees

  9. Distribution Network HOME LOAN AGENTS (HLAs) (Agents of LIC) DIRECT SALES AGENTS (DSAs) (Small Firms/Companies etc) 234 Marketing Offices CUSTOMER RELATIONS ASSOCIATES (CRAs) (Individual Agents) 37 branches of LICHFL Financial Services (100% subsidiary of LICHFL)

  10. Origination Pattern

  11. Average Ticket Size- Individual

  12. Loan Book Composition 12

  13. Individual Loans – Portfolio Stats *Excludes floating rate products like Advantage -5, Super 3, Super Choice, Bhagyalakshmietc which are floating rate products with initial fixed rate

  14. Executive Summary-Q1/FY16

  15. Executive Summary-Q1/FY16

  16. Financial Highlights

  17. Liability Profile as on 30.9.2015 Outstanding Borrowings –Rs.101640.32 cr During H1FY16, Borrowings were Rs 17748 cr @ 8.92%

  18. Change in Liability Mix- last 5 yrs Bank funding has reduced from 32% in FY12 to 25% in FY14. Retail Deposits increased to 2.2% Bank Funding down from 32% in FY12 to 15% in Q2FY16 9.29% 9.38% 9.48 9.75% 9.76% 9.77% Wtd. Avg. cost of Funds

  19. NIMs

  20. Yield & Cost of Funds on portfolio

  21. Gross & Net NPAs *Excluding provisions on standard assets/teaser loans

  22. Gross & Net NPAs

  23. DISCLAIMER This presentation is made purely for information. We have attempted to provide relevant information which we believe will help in knowing the Company. The users may use their own judgment and are advised to make their own calculations before deciding on any matter based on the information given herein. While every care is taken to verify the accuracy of the information given in this presentation, neither the Company nor its officials would in any way be liable for any action taken or not taken by the viewers or the users of this presentation or for any claims, losses etc. Thank you

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