Repco Home Finance Limited — PPTs, 12-11-2024: Investor Presentation

**Financial Highlights:**

Repco Home Finance reported a loan book of ₹13,964.4 Cr with a total capital adequacy ratio of 33.98%. The company achieved net interest income of ₹175.7 Cr, representing an increase of 2% YoY, and a profit before tax of ₹152.8 Cr, up 16% YoY. Net profit surged by 15% YoY to ₹112.5 Cr.

**Strategic Initiatives and Growth Drivers:**

The company emphasized growth through enhanced loan sanctions, which rose by 8% YoY to ₹926.4 Cr, and disbursements reaching ₹867.2 Cr, marking a 9% increase YoY.

**Business Developments:**

Repco remains committed to expanding its footprint, now operating 184 branches across 12 states and 1 Union Territory, aiming for increased geographic diversity.

**Market Position and Competitive Advantage:**

With a GNPA of 3.96% and an ECL provision of 3.5%, Repco maintains solid asset quality, reinforcing its competitive position in the housing finance sector.

**Investor Implications:**

The positive trajectory in earnings and loan growth underlines a robust outlook for shareholders, indicating potential for further growth in a strengthening housing market. Investors should monitor developments closely to capitalize on opportunities as they arise.