HOMEFIRSTNSEDecember 31, 2023

Home First Finance Company India Limited

8,587words
1turns
0analyst exchanges
0executives
Key numbers — 40 extracted
rs,
E/NSE/EQ/105/2023-24 To, BSE Limited, Department of Corporate Services, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai- 400001. Scrip Code- 543259 Date: 18-01-2024 To, The National Stock Exc
₹ 90,137
q-o-q Q3FY24 Highlights Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA) ₹ 90,137 Mn ₹10,072 Mn 1.7%(1) In line with RBI circular dated 12 Nov 2021 1.1% prior to such classificat
₹10,072
4 Highlights Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA) ₹ 90,137 Mn ₹10,072 Mn 1.7%(1) In line with RBI circular dated 12 Nov 2021 1.1% prior to such classification +33.5%
1.7%
Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA) ₹ 90,137 Mn ₹10,072 Mn 1.7%(1) In line with RBI circular dated 12 Nov 2021 1.1% prior to such classification +33.5% +7.7%
1.1%
tage 3 / POS (GNPA) ₹ 90,137 Mn ₹10,072 Mn 1.7%(1) In line with RBI circular dated 12 Nov 2021 1.1% prior to such classification +33.5% +7.7% +29.1% +5.0% -10 bps 0 bps Spread(2) 5.3% Opex t
33.5%
0,072 Mn 1.7%(1) In line with RBI circular dated 12 Nov 2021 1.1% prior to such classification +33.5% +7.7% +29.1% +5.0% -10 bps 0 bps Spread(2) 5.3% Opex to Assets 2.9% DPD 30+ / POS 3.0%
7.7%
1.7%(1) In line with RBI circular dated 12 Nov 2021 1.1% prior to such classification +33.5% +7.7% +29.1% +5.0% -10 bps 0 bps Spread(2) 5.3% Opex to Assets 2.9% DPD 30+ / POS 3.0% -40 bp
29.1%
1) In line with RBI circular dated 12 Nov 2021 1.1% prior to such classification +33.5% +7.7% +29.1% +5.0% -10 bps 0 bps Spread(2) 5.3% Opex to Assets 2.9% DPD 30+ / POS 3.0% -40 bps -20 b
5.0%
ine with RBI circular dated 12 Nov 2021 1.1% prior to such classification +33.5% +7.7% +29.1% +5.0% -10 bps 0 bps Spread(2) 5.3% Opex to Assets 2.9% DPD 30+ / POS 3.0% -40 bps -20 bps +10
10 bps
h RBI circular dated 12 Nov 2021 1.1% prior to such classification +33.5% +7.7% +29.1% +5.0% -10 bps 0 bps Spread(2) 5.3% Opex to Assets 2.9% DPD 30+ / POS 3.0% -40 bps -20 bps +10 bps 0 b
0 bps
rcular dated 12 Nov 2021 1.1% prior to such classification +33.5% +7.7% +29.1% +5.0% -10 bps 0 bps Spread(2) 5.3% Opex to Assets 2.9% DPD 30+ / POS 3.0% -40 bps -20 bps +10 bps 0 bps 0 b
5.3%
v 2021 1.1% prior to such classification +33.5% +7.7% +29.1% +5.0% -10 bps 0 bps Spread(2) 5.3% Opex to Assets 2.9% DPD 30+ / POS 3.0% -40 bps -20 bps +10 bps 0 bps 0 bps +10 bps Prof
Guidance — 1 items
Link
opening
“Q-o-q growth of 5.0% and y-o-y growth of 29.1% FY19 FY20 FY21 FY22 FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 Q3FY24 Assets Under Management ( ₹Mn ) Last 5 Years Last 5 Quarters 71,980 53,803 67,512 71,980 36,184 41,411 24,436 77,759 83,654 90,137 33.5% growth y-o-y 7.7% growth q-o-q 31% CAGR (4 Years FY19-FY23) 7.5% BT Out rate for Q3FY24 (annualized) FY19 FY20 FY21 FY22 FY23 Dec'22 Mar'23 Jun'23 Sep'23 Dec'23 Home First Finance Company India Ltd.”
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Risks & concerns — 9 flagged
Link ESG Risk Rating - Leading ESG score in the BFSI Industry in India.
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MorningStar Sustainalytics ESG Risk Rating of 16.2, Low Risk and Strong rating for ESG Risk Management.
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Investor Presentation – Q3 FY24 23 Strong Governance Practice ESG Corporate Governance Structure • • • • Top-tier Corporate Governance High Independent Directors representation in all Board Committees Highly experience Board & Management Team on Risk Management committee.
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Company's risk management framework is driven by its Board and its subcommittees including the Audit Committee, the Asset Liability Management Committee and the Risk Management Committee.
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“Risk Management Committee” meetings on matters including Operational, Risk oversight, fraud prevention and control.
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(1) Adjusted PAT, Adjusted RoA and Adjusted RoE FY22 is computed considering Adjusted PAT without the impact of one-time deferred tax liability adjustment Home First Finance Company India Ltd.
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(3) YoY growth in PAT computed considering Adjusted PAT for FY22 without the impact of one-time deferred tax liability adjustment Investors & Analyst can download the excel version of operational & financial numbers from our website link.
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(1) Adjusted RoA and Adjusted RoE for FY22 is computed considering Adjusted PAT FY22 without the impact of one-time deferred tax liability adjustment Home First Finance Company India Ltd.
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Adjusted PAT, ROA and ROE computed excluding the impact of one time deferred tax liability adjustment.
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Speaking time
Link
1
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Opening remarks
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respond https://homefirstindia.com/policy/complaints-grievances/ complaints. customer to ESG Initiatives Sustainable Finance • Funds raised from IFC to finance affordable housing and green housing. HomeFirst raised Rs 280 crores from International Finance Corp (IFC) through up to 7-year debt. Link • Funds approved from DFC to support women borrowers for financing affordable housing. U.S. International Development Finance Corporation (DFC) Board of Directors approved a $75 million loan to HomeFirst to support affordable housing mortgage loans to women low-income borrowers. Link ESG Risk Rating - Leading ESG score in the BFSI Industry in India. MorningStar Sustainalytics ESG Risk Rating of 16.2, Low Risk and Strong rating for ESG Risk Management. Link S&P Global ESG score of 34. Link • The company published its Sustainability Report for the year FY22-23 as part of its Integrated Annual Report. Link: https://homefirstindia.com/files/Sustainability%20Report.pdf. • The Company received a Ce
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