Q2 Review Draft NHBQ2审稿 NHB.pptVIP

Growth in Housing Finance Market, Quality of Assets and Customer Related Issues April 20, 2012 Anil Sachidanand, CEO Dewan Housing Finance Corporation Limited Evolution of Housing Finance Market in India 1971 Centralized direct credit HUDCO established: Public Sector, wholesale lending Pre 1970 Sub Prime crisis. Indian Mortgage Market shows resilience National Housing Bank: Regulatory and supervisory body / refinancing agency 1977 1st private sector retail housing finance institution established 1984 DHFL commences operations 1988 Late 80’s and Early 90’s Public sector banks / insurance companies promote HFCs Late 90’s Commercial banks get active in direct lending for housing finance 2008 Source: Indian Housing Finance Market Outlook to 2015, Mindpower Solutions 2009-11 Microfinance institutions and foreign banks get active in the housing finance market. 54 HFCs active in the market Pre NHB Post NHB Housing Finance Market Classification H O U S I N G F I N A N C E M A R K E T Banks Public Sector Banks Private Sector Banks Foreign Banks Housing Finance Companies Development Financial Institutions, Co-op Housing Societies Micro Finance Institutions Insurance Companies LIC Housing Finance, GIC Housing Finance etc. Key Players providing Home Insurance: New India Assurance, National Insurance, ICICI Lombard, Bajaj Allianz, IFFCO-TOKIO, Tata AIG etc. DHFL, HDFC, GRUH, Indiabulls Housing Finance, Reliance Housing Finance, Sundaram BNP Paribas, Religare Housing Development Corp etc. HUDCO, NABARD, SIDBI, Apex Co-operative Housing Federations, State Co-operative Agriculture and Rural Development Banks etc. Micro Housing Finance Corporation, MAS rural housing and mortgage finance etc. SBI, Bank of Baroda, Canara Bank, PNB, Dena Bank, Bank of India etc. Standard Chartered, Citibank, HSBC etc. HDFC Bank, ICICI Bank, Axis Bank, ING Vysya Bank etc. HFCs Continue to Register Strong Growth Credit Growth 32% 50% 25% 23% 22% 13% 14% 8% 21% 13% Market Share Currently there are ar