Mr p k gupta 6.10.05

P.K. Gupta Chairman & Managing Director, National Housing Bank New Delhi Welcomes the Participants to ‘Session V B’ on Financing Real Estate and Housing on Thursday, the 6th October, 2005

Presentation Outline ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Real Estate and Housing ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Housing – A Macro View 1 (in million) (Source: Census of India, 2001) --- --- 74.70 72.74 64.70 of which pucca residential stock (in %) --- --- 35.36 30.58 22.53 of which pucca residential stock (in %) 27.74 30.49 249.10 195.01 149.44 Total 37.61 46.65 71.60 52.03 35.48 Urban 24.14 25.47 177.50 142.98 113.96 Rural Census Houses 21.35 23.85 1027.00 846.30 683.33 Total 30.97 36.46 285.00 217.60 159.46 Urban 18.02 20.01 742.00 628.70 523.87 Rural Population Growth of 2001 over 1991 (%) Growth of 1991 over 1981 (%) 2001 1991 1981

Housing – A Macro View 2 Housing Completions & Condition ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Around 5 Around 7 8 to 10 Rural Areas of India Urban Areas of India UN Recommendations for Developing Countries 2:1 32.3% 64.1% Urban Rural Residential Stock 1:1 48.7% 45.0% Ratio Livable Good

[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Contribution of Housing Credit to GDP

Housing Finance - A Key Driver for Economy ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],10.3 10.5 20.8 1999-00 13.0 13.0 11.4 11.2 8.1 b. Physical Assets 11.4 10.3 11.2 10.7 9.8 a. Financial Assets 24.3 23.3 22.6 21.9 17.9 Household Saving 2003-04 2002-03 2001-02 2000-01 1995-96 to 1998-99 (Ave) Item

Credit Growth to Housing & Real Estate ,[object Object],[object Object],[object Object],* - Estimated 1.09 0.73 0.88 0.48 0.38 RELs as % GBC 106.12 55.77 58.94 25.96 17.66 Real Estate Loans (RELs) 7.73 6.80 5.46 4.16 3.44 Hsg. as % of GBC 751.73 519.81 365.87 223.46 161.43 Housing 9725.87 7643.83 6695.34 5367.27 4691.53 Gross Bank Credit (GBC) 18-Mar-05 19-Mar-04 21-Mar-03 22-Mar-02 23-Mar-01 Particulars 29.21 543.01 6.23 208.62 328.16 2003-04 717 420.27 238.58 190.59 4. TOTAL 32.04 76.15 25.18 35.07 5. Annual Growth (in %) --- 6.42 6.78 8.68 3. Co-operative Institutions 260 178.32 146.14 126.38 2. Housing Finance Companies * 457 235.53 85.66 55.53 1. Commercial Banks 2004-05 2002-03 2001-02 2000-01 Primary Lending Institutions (PLIs) 158.47 591.44 2003-04 * 163.00 133.58 96.66 81.63 Other Loans * 725.00 492.38 418.44 332.50 Housing Loans 2004-05 2002-03 2001-02 2000-01 Particulars

Spurt in Credit Growth in Housing ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],4.0 Consumer Durables 2.8 1.6 1.6 2.4 1.4 Net NPAs as % of outstanding loans TOTAL Loans & Advances TOTAL Retail Loans Other Personal Loans Credit Card Receivables Housing Loan Retail Portfolio of Banks

Housing Finance Interest Rate in India Source: HDFC, 2004 15.50 19.00 15.00 13.00 11.25 10.00 8.50 8.75 15.50 16.00 12.50 17.00

Increase in Consumer Demand for Housing ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

About National Housing Bank (NHB) – An apex Institution for Housing Finance System in India ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Rural Housing – Some aspects ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Market for Residential Mortgage Backed Securities (RMBS) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Housing Finance – Moving Forward ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Industrialist View on Housing and a Visionary ,[object Object],[object Object],[object Object],[object Object],[object Object]

Mr p k gupta 6.10.05

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Mr p k gupta 6.10.05