PNBHOUSING2020-01-012020-03-31in-bse-fin:OneOperatingExpenses01Member PNBHOUSING2020-01-012020-03-31in-bse-fin:FourOperatingExpenses01Member PNBHOUSING2020-01-012020-03-31in-bse-fin:OneItemsThatWillNotBeReclassifiedToProfitAndLoss01Member PNBHOUSING2020-01-012020-03-31in-bse-fin:FourItemsThatWillNotBeReclassifiedToProfitAndLoss01Member PNBHOUSING2020-01-012020-03-31in-bse-fin:OneItemsThatWillBeReclassifiedToProfitAndLoss01Member PNBHOUSING2020-01-012020-03-31in-bse-fin:FourItemsThatWillBeReclassifiedToProfitAndLoss01Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares PNBHOUSING 2019-04-01 2020-03-31 2020-06-08 INR Crores Yearly Single segment PNB Housing provides housing loans to individuals and corporate bodies for purchase, construction, repair and upgradation of houses. It also provides loans for commercial space, loan against property and loan for purchase of residential plots. 2020-01-01 2020-03-31 Audited Consolidated 18025700000.00 0.00 0.00 783800000.00 627400000.00 27500000.00 0.00 0.00 19464400000.00 54000000.00 19518400000.00 0.00 0.00 0.00 352400000.00 13799700000.00 145400000.00 18500000.00 0.00 0.00 7548400000.00 926400000.00 22790800000.00 -3272400000.00 0.00 -3272400000.00 879700000.00 -1731500000.00 -851800000.00 -2420600000.00 0.00 0.00 0.00 0.00 -2420600000.00 -819500000.00 -3240100000.00 0.00 0.00 1681900000.00 10 -14.39 -14.38 0.00 0.00 -14.39 -14.38 1.The consolidated financial results have been prepared in accordance with lnd AS 110 - Consolidated Financial Statements,prescribed under section 133 of the Companies Act, 2013 (the Act) read with the relevant rules issued thereunder and the other relevant provisions of the Act. n2. Assets under management (AUM) have decreased from ~ 84,722 crore as on March 31, 2019 to ~ 83,346 crore as on March 31,2020 registering a decline of 2%. Loan Assets have decreased from~ 74,023 crore as on March 31, 2019 to~ 67,571 crore as onMarch 31, 2020 registering a decline of 9%. n3. Gross NPA as on March 31, 2020 is 2.75% as against 0.48% as on March 31, 2019. Net NPAs of the Company is 1.75% of the loan assets as on March 31, 2020, against 0.38% of the loan assets as on March 31, 2019. n4. Effective April 01, 2019, the Company adopted lnd AS 116 Leases as notified by the Ministry of Corporate Affairs (MCA) and applied the standard to all lease contracts existing on April 01, 2019 using the modified retrospective method on the date of initial application. Consequently, the Company recorded the lease liability and right of use assets at the present value of the lease payments discounted at the incremental borrowing as on date of initial application. Comparatives as at and for the year ended March 31, 2019 have not been retrospectively adjusted and therefore will continue to be reported under the accounting policies included as part of our Annual Report for year ended March 31, 2019. lnd AS 116 will result in an increase in cash inflows from noperating activities and increase in cash outflows from financing activities on account of lease payments. The overall impact on the profit for the year is insignificant. Single segment 2019-04-01 2020-03-31 Audited Consolidated 76882100000.00 0.00 0.00 2988400000.00 1586400000.00 3361500000.00 0.00 0.00 84818400000.00 77100000.00 84895500000.00 0.00 0.00 0.00 2330600000.00 58749500000.00 658500000.00 89200000.00 0.00 0.00 12513700000.00 2443900000.00 76785400000.00 8110100000.00 0.00 8110100000.00 3892400000.00 -2244700000.00 1647700000.00 6462400000.00 0.00 0.00 0.00 0.00 6462400000.00 -553000000.00 5909400000.00 0.00 0.00 1681900000.00 10 38.45 38.41 0.00 0.00 38.45 38.41 other expenses 926400000.00 other expenses 2443900000.00 1256600000.00 449000000.00 0.00 666280200000.00 20757400000.00 7017000000.00 780904100000.00 610100000.00 3570300000.00 8393200000.00 0.00 0.00 869200000.00 0.00 0.00 178364600000.00 323281200000.00 161319400000.00 14385800000.00 16899500000.00 695119700000.00 189400000.00 14010500000.00 14199900000.00 -819500000.00 -553000000.00