Religare Enterprises Ltd.

Financial

	Religare Enterprises	Bajaj Finserv	Edelweiss Financial
Operational Metrics
Banking Sector
Gross NPA	8.6 %	n/a	n/a
General Insurance Sector
Yield On Total Investments - General Insurance	5.2 %	1.23 %	n/a
Combined Ratio	100.0 %	101.57 %	n/a
Monthly Gross Direct Premium Income (GDPI)	758.6 Crs	1662.73 Crs	n/a
Risk Retention Ratio	86.0 %	49.62 %	n/a
Float	3223.89 Crs	10491.67 Crs	n/a
Financials
5 yr Average ROE	61.84 %	12.39 %	-1.68 %
5yr average Equity Multiplier	-18.44	8.31	7.34
5yr Average Asset Turnover Ratio	0.36	0.21	0.18
5yr Avg Net Profit Margin	-19.52 %	7.11 %	-0.42 %
Price to Book	3.29	4.17	1.6
P/E	2.01	30.86	17.56
5yr Avg Cash Conversion Cycle	14.08 Days	14.37 Days	n/a
Inventory Days	0.04 Days	0.0	n/a
Days Receivable	14.05 Days	14.37 Days	n/a
Days Payable	127.29 Days	31.56 Days	n/a
5yr Average Interest Coverage Ratio	1.01	2.14	n/a
5yr Avg ROCE	-4.94 %	15.97 %	n/a
5yr Avg Operating Profit Margin	-1.13 %	33.75 %	n/a
5 yr average Debt to Equity	-9.47	4.07	n/a
5yr CAGR Net Profit	n/a	14.8 %	n/a
5yr Average Return on Assets	-2.03 %	1.49 %	n/a
Shareholdings
Promoter Holding	0.0	60.69 %	32.76 %
Share Pledged by Promoters	0.0	0.01 %	0.0
Change in Promoter Holding (3 Yrs)	-0.31 %	-0.11 %	-0.12 %
Change in Mutual Fund Holding (3 Yrs)	4.92 %	0.85 %	-1.79 %

Business

	Religare Enterprises	Bajaj Finserv	Edelweiss Financial
Segment Break-Up	Segment Break-Up Insurance 90.38 Broking 5.11 Investment services 3.85 E-Goverance 0.65 Financial Advisory Services 0 Windmill 0 Retail Financing 0 Investment & Others 0 Treasury 0 Asset Reconstruction business 0 Insurance Business 0 Capital based 0 Agency 0 Others 0.01	Segment Break-Up Investment services 0 Wind 0.02 Agency 0 Treasury 0 Financial Advisory Services 0 Capital based 0 Asset Reconstruction business 0 Insurance Business 0 Broking 0 E-Goverance 0 Investments 2.71 Insurance 37.11 NBFC 46.72 Others 13.44	Segment Break-Up Investment services 0 Windmill 0 Agency 8.15 Treasury Operations 13.77 Financial Advisory Services 0 Capital based 19.85 Asset Reconstruction 22.12 Insurance 35.78 Broking 0 E-Goverance 0 Investment & Others 0 Insurance 0 Retail Financing 0 Others 0.33
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Borrowings Break-Up	Borrowings Break-Up Secured 59.33 Un Secured 40.67 ASB 0 PF & Insurance 0 Corporate 0 MF 0 Retail 0 Bank 0	-	Borrowings Break-Up Un Secured 0 Corporate 0 MF 11.0 Banking 43.0 PF & Insurance 20.0 ASB 0 Secured 0 Retail 26.0
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Health 95.87 PERSONAL ACCIDENT 2.95 Credit Insurance 0 Aviation 0 Engineering 0 Public/Product Liability 0 Crop Insurance 0 Health Insurance 0 Worksmens Compensation 0 Motors 0 Marine 0 Fire 0 Motor 0 Others 1.18	Premium Break-Up - General Insurance Credit Insurance 0 Crop Insurance 8.87 Public/Product Liability 0.32 Engineering 0.29 Fire Equipment 2.69 MARINE 1.6 Health Insurance 37.53 Health 0 Aviation 0.02 PERSONAL ACCIDENT 0 Motor 0 Motors 40.12 Worksmens Compensation 0.53 Others 8.03	Premium Break-Up - General Insurance Credit Insurance 0 Crop Insurance 0 Public/Product Liability 0 Engineering 0.15 Fire 2.38 Marine 0 Health Insurance 36.4 Health 0 Aviation 0 PERSONAL ACCIDENT 0 Motor 51.79 Motors 0 Worksmens Compensation 0 Others 9.28

Religare Enterprises Ltd.

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