We are an overcapitalised company but our spread is improving: Sanjaya Gupta, PNB Housing Finance

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PNB Housing Finance Limited January 24, 2018 Page 2 of 19 Moderator: Good day ladies and gentlemen and welcome to the PNB Housing Finance Limited Q3 FY17-18 Earnings Conference Call. As a reminder all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes.

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We are an overcapitalised company as of now because we had a huge IPO but our spread is improving.So last year Q4 the spread was 2.23% and this year the spread has gone up to 2.37%. Subsequently, the NIM has also gone up from 3.24% to 3.39%.

We would continue to maintain a balanced approach to business, with focus on asset quality, and improving profitability, said Sanjaya Gupta, Managing Director of PNB Housing Finance. (c) 2019 Daily Independent.

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Commenting on the performance Mr. Sanjaya Gupta, Managing Director said, "We would like to thank our Investors for their participation in our IPO. This was the largest ever IPO by a Housing Finance Company/NBFC in India and the largest primary fund raise in this calendar year.

This was the largest ever IPO by a Housing Finance Company/NBFC in India and the largest primary fund raise in this calendar year. We are pleased to inform you that our half yearly results have been in line with our expectations. The infusion of equity in the Company will allow us to spread our branch network & grow our Loan Book.

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Sanjaya Gupta, PNB Housing Finance Limited – MD & Director [132] Let’s see, let’s see, let’s see. That’s our raw material and we are very keen on pricing of our raw material.

PNB Housing, CREDAI sign MOU to train construction workers Editor | April 11, 2017 @ 09:46 AM Taking forward its commitment to the cause of improving the lives of construction workers, PNB Housing Finance today, signed an MOU with CREDAI (The Confederation of Real Estate Developers Association of India) to train 8000 construction workers pan India.

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We are an overcapitalised company but our spread is improving: Sanjaya Gupta, PNB Housing Finance. Green shoots in mass housing after demonetisation: Sanjaya Gupta, PNB Housing Finance. Increase in liquidity to help meet govt’s vision on affordable housing: Sanjaya Gupta, MD, PNB Housing