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-Aristotle-Aristotle
It has been exactly the same
in the Indian housing context
The DHFL Mission
Every Indian must have
Access to affordable, good
quality Housing
The DHFL Action
Purpose
Enabling access to home ownership
Target Segment
The low and middle income household
Strategy
Reach out to larger number of customers with smaller loans instead of servicing a small number of customers with large loans.
Creating a Customer Centric Organization
Our Core Customers
Comprising of groups who do not ‘fit’ into the formal frameworks of
normal banks and HFC’s considered ‘risky’ by them
They may have financial handicaps, but they have
integrity & self worth
The low & middleIncome segments
Our Process
Our Technology
Our Employees
Ordinary people who do extraordinary workAll fired by the values of Company mission
Periodic training & skill up-gradation in conjunction with our
customer profileEmphasis on quality, timely delivery and resolution of consumer
issues
A robust performance appraisal system with prime focus on motivating, and career planning
well Recognized & well Rewarded
Our Products
Our Reach
DHFL’s captive distribution network covers 190 locations
Tie-Ups with Public Sector Banks provide reach to an additional 85 locations
Acquisition of the housing finance arm of ING Vysya bank covering 25 locations
Alliances
Punjab & Sind Bank (“PSB”)Established in 1908, the Punjab & Sind bank has 905 branches / extension counters spread across India DHFL is presently addressing 45 locations with PSB in the states of Punjab, Haryana, Himachal Pradesh, and Jammu & Kashmir in Northern IndiaDHFL intends to scale up the location coverage to 200 with PSB
United Bank of India (“UBI”)Formed out of the amalgamation of four small banks of Bengal in December 1950, the Bank presently has ~1,500 branchesUBI played a significant role in the spread of banking services in different parts of the country, more particularly in Eastern and North-Eastern regions of IndiaDHFL is presently addressing 40 locations with UBI across the Kolkata and Howrah regions DHFL intends to scale up the location coverage to 500 with UBI
UAE ExchangeTie – up with UAE Exchange, Abu Dhabi to reach out to the vast NRI population in the UAE & GEC Countries
Trust Repaid
DHFL is the second largest housing finance company in the Indian private sector
From a modest beginning in 1984,
Fulfilling the housing needs
Over 2,00,000 families
Asset
INR 6394.51Crs
NPA levels
levels lowest in the industry at 1%
Future PlansBoost Network
New Products
New Segments
Improve Margins
Alliances
This is also expected to help in regional diversification of DHFL’s asset book
DHFL is looking at cross selling of innovative consumer finance products to existing creditable borrowers
DHFL plans to come up with various products for the self employed segments that have largely remained unaddressed by most financial institutions
•Better capital management to reduce funding costs•Technology to support scalability and operational efficiency
•Diversification of regional portfolio concentration•Ready customer base which can be exploited via cross selling initiatives and value added services
Business Performance
Key Growth ParametersNet Interest IncomeTop Line
Top line has grown at CAGR of 42.2% .
Net Interest Income has grown at CAGR of 34.5%.
Fig. in INR Mn
Key Growth Parameters (contd.)
Sanctions have grown at CAGR of 36.5%.
Sanctions have grown at CAGR of 36.5%.
Sanctions have grown at CAGR of 36.16%.
Sanctions have grown at CAGR of 36.16%.
Key Growth Parameters (contd.)
PAT has grown at CAGR of 32.7%.
PAT has grown at CAGR of 32.7%.
Book Value has grown at CAGR of 22.1%.
Book Value has grown at CAGR of 22.1%.
Asset Book has grown at CAGR of 38.4%.
Asset Book has grown at CAGR of 38.4%.
Borrowings have grown at CAGR of 38.7%.
Borrowings have grown at CAGR of 38.7%.
The
JourneyHas just
begun
With changing Indian scenario and more dreams in their eyes, our target audience is having
aspirations stoked to fever pitch.
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