HOUSING DEVELOPMENT CORPORATION Investors Presentation slide image

HOUSING DEVELOPMENT CORPORATION Investors Presentation

1 Strong financial support from the Maldives government HDC receives strong financial support from the government The GoM has provided unwavering financial support to ensure the continual growth and development of HDC HDC received significant financial assistance from the GoM HOUSING DEVELOPMENT CORPORATION As of November 2020, HDC accounted for US$796m of the total active sovereign-guaranteed debt amount of US$2.3bn. This was the highest amount out of all the beneficiaries of the sovereign guarantee - Capital injection totaling c.US$87m from 2018 - 2020 - Loans totaling c. US$34m from 2018 - 2020 About 82% of HDC's total debt as of November 2020 is guaranteed by the sovereign. Strict cross default clauses exist for the sovereign-guaranteed debt by MoF, with the lowest cross-default threshold at US$1m, implying strong incentive for GoM to ensure the timely and full repayment of HDC's guaranteed and non-guaranteed debt on an ongoing basis Breakdown by types of borrowings (as of November 2020) State Owned Enterprises Sovereign-guaranteed debt by MoF (US$m) From MoF 14.3% Others 3.6% US$695m Sovereign guaranteed 82.1% HDC Other State Owned Enterprises (SOEs) 1,869 723 1,073 601 218 187 796 1.2x. 1.6x- 414 505 2018 2019 2 Dec 2020 Maldives government has shown long term commitment to support HDC through long-term guarantees of its financing through provision of long-term guarantees of its financing as well as direct loans and capital injections Source: Company information, Maldives Ministry of Finance. FX of USD/MVR 15.42 used. 12
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