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LIC HOUSING FINANCE LTD. Review of FY 2006 Annual Results. 12 th June, 2006. Financials Highlights. Loan Sanctions & Disbursements. CAGR (Overall) (5-yr) Sanctions : 25% Disbursements : 26%. Growth(Individual) (y-o-y) Sanctions : 13%

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LIC HOUSING FINANCE LTD


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    1. LIC HOUSING FINANCE LTD Review of FY 2006 Annual Results 12th June, 2006

    2. Financials Highlights

    3. Loan Sanctions & Disbursements CAGR (Overall) (5-yr) Sanctions : 25% Disbursements : 26% Growth(Individual) (y-o-y) Sanctions : 13% Disbursements : 11%

    4. Average Loan Size

    5. Portfolio Growth CAGR (5 yrs) Total Mortgage Portfolio : 25% Growth(y-o-y) Total Mortgage Portfolio:20%

    6. Income & Profitability CAGR (Overall) (5-yr) Income : 10 % Profit After Tax : 9 % Growth(y-o-y) Income :21 % Profit After Tax :45 %

    7. Liability Profile Outstanding Borrowings – Rs. 13780 cr Wtd. Avg Cost of Funds – 7.37%

    8. Financial Highlights

    9. Financial Indicators • * Operating Cost to Total income= (personnel cost +establishment exp.+ depreciation)/Total income • # Annualised

    10. Non Performing Assets As a policy, the Company provides 0.20% on Standard Assets

    11. Initiatives – Marketing • Attempt to improve market share • Conscious shift to the high-end Market Segment • New Advertisement Campaign entitled “Aapko salaam” launched in the TV & print media • Better visibility through increased PR Activities • Strengthening distribution Channels • Inorganic Growth

    12. Initiatives – Liability Management • Plans to raise public deposits

    13. Initiatives – NPA Management • Company has achieved major success in NPA reduction • Extensive use of SARFAESI Act (over 7000 notices issued) has helped reduce NPAs • To bring down NPAs to less than Industry Standards over 2 years

    14. Initiatives – Diversification • Foray into Real Estate Venture Funds through strategic Investment in Kotak Real Estate Fund and also in Unitech-CIG Fund • Possibility of floating own Fund could be explored

    15. Initiatives – Diversification • Wholly owned subsidiary – LICHFL Care Homes Ltd. promoted to conduct the business of setting up and running of ‘Assisted Living Community Centres for Senior Citizens • First centre at Bangalore comprising of 98 units spread over 10 acres of land – inaugurated on 9th March 2006 • Plans of setting up more centres in FY 2006-07 – in Bhuwaneswar, Kochi, Kolkata etc

    16. Thank You www.lichousing.com