PNBHOUSINGNSEApril 28, 2025

PNB Housing Finance Limited

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Key numbers — 40 extracted
rs,
/SE/EQ/FY2025-26/07 April 28, 2025 The BSE Limited Listing Department, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai – 400001 Scrip Code: 540173 Dear Sir(s), The National Stock Exchange of I
INR 17,583 crore
4 5 6 7 7 8 Public FY25 Performance Report – On track 31-Mar-24 31-Mar-25 Disbursement INR 17,583 crore INR 21,972 crore 25% • Retail disbursement grew by 26% YoY • Affordable and Emerging Markets seg
INR 21,972 crore
Public FY25 Performance Report – On track 31-Mar-24 31-Mar-25 Disbursement INR 17,583 crore INR 21,972 crore 25% • Retail disbursement grew by 26% YoY • Affordable and Emerging Markets segment accounted for
25%
formance Report – On track 31-Mar-24 31-Mar-25 Disbursement INR 17,583 crore INR 21,972 crore 25% • Retail disbursement grew by 26% YoY • Affordable and Emerging Markets segment accounted for 36%
26%
24 31-Mar-25 Disbursement INR 17,583 crore INR 21,972 crore 25% • Retail disbursement grew by 26% YoY • Affordable and Emerging Markets segment accounted for 36% of Retail Disbursement Loan Ass
36%
25% • Retail disbursement grew by 26% YoY • Affordable and Emerging Markets segment accounted for 36% of Retail Disbursement Loan Asset INR 65,358 crore INR 75,765 crore • Crossed INR 75,000 cro
INR 65,358 crore
• Affordable and Emerging Markets segment accounted for 36% of Retail Disbursement Loan Asset INR 65,358 crore INR 75,765 crore • Crossed INR 75,000 crore in Loan Asset & INR 80,000 crore in 16% AUM • Ret
INR 75,765 crore
Emerging Markets segment accounted for 36% of Retail Disbursement Loan Asset INR 65,358 crore INR 75,765 crore • Crossed INR 75,000 crore in Loan Asset & INR 80,000 crore in 16% AUM • Retail Loan Asset is
INR 75,000 crore
ounted for 36% of Retail Disbursement Loan Asset INR 65,358 crore INR 75,765 crore • Crossed INR 75,000 crore in Loan Asset & INR 80,000 crore in 16% AUM • Retail Loan Asset is 99% of the total Loan Asset
INR 80,000 crore
sement Loan Asset INR 65,358 crore INR 75,765 crore • Crossed INR 75,000 crore in Loan Asset & INR 80,000 crore in 16% AUM • Retail Loan Asset is 99% of the total Loan Asset Retail Loan Asset Affordable
16%
NR 65,358 crore INR 75,765 crore • Crossed INR 75,000 crore in Loan Asset & INR 80,000 crore in 16% AUM • Retail Loan Asset is 99% of the total Loan Asset Retail Loan Asset Affordable Loan Asse
99%
• Crossed INR 75,000 crore in Loan Asset & INR 80,000 crore in 16% AUM • Retail Loan Asset is 99% of the total Loan Asset Retail Loan Asset Affordable Loan Asset Recoveries from Written off p
Guidance — 1 items
Key Updates
opening
“No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company.”
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Risks & concerns — 3 flagged
Our Enablers Dedicated ESG team PRACTICE Practice Sustainability as a “Way of life” ➢ ESG Culture Building: Strengthen Governance around sustainability and drive “ESG Culture” ➢ ESG Risk Strengthening: Reinforce the core, enhance frameworks to build ESG risks.
— Key Updates
❑ Implemented Master Directions on Fraud Risk /Management in NBFCs including HFCs.
— Key Updates
Such forward- looking statements are not guarantees of future performance and are subject to known and unknown risks, uncertainties and assumptions that are difficult to predict.
— Key Updates
Speaking time
Key Updates
1
Company
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Opening remarks
Key Updates
- LMS upgraded with several new capabilities and automations - - - Deposit core platform phase 2 launched successfully including service and renewal modules, thereby completing upgrade of Deposit core platform New modules launched for collection app – Legal case management and Legal notice management Launched new digital application for DMA onboarding Strategic Technology Partners Public 32 Financial Performance Public 33 33 Retail and Corporate Profit & Loss Statement (Consolidated) –– FY25 Particulars (INR crore) Retail Corporate Total FY25 FY24 Chg (YoY%) FY25 FY24 Chg (YoY%) FY25 FY24 Chg (YoY%) Net Interest Income 2,621 2,279 15.0% Non fund based income 388 272 42.4% Gross Income 3,009 2,551 18.0% Operating expenses 795 650 22.4% Operating Profit 2,214 1,901 16.4% 128 3 131 17 114 237 -46.0% 2,750 2,516 9.3% 8 245 21 224 -61.4% 391 280 39.5% -46.5% 3,140 2,796 12.3% -16.1% 813 671 21.2% -49.3% 2,327 2,125 9.5% Provisions and W/O 113 288 -60.7% -271 -117 132.5% -158 171 -192.5% Pro
Company
PNB Housing Finance Limited CIN: L65922DL1988PLC033856 Ms. Deepika Gupta Padhi National Head-Investor Relations & Treasury Phone: +91 124 6030500 Investor.relations@pnbhousing.com www.pnbhousing.com Public 50
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