Capital Trust Ltd.

Financial

	Capital Trust	Oracle Credit	India Home Loan
Operational Metrics
Banking Sector
Net Interest Margin	24.2 %	n/a	3.98 %
Capital to Risks Assets Ratio (CRAR)	59.0 %	n/a	59.56 %
NBFC
Cost of Borrowing	16.1 %	n/a	12.87 %
AUM - NBFC	223.3 Crs	n/a	85.08 Crs
Gross NPA	1.3 %	n/a	4.78 %
Net NPA	0.0	n/a	3.45 %
Financials
5 yr Average ROE	-3.44 %	14.87 %	4.23 %
5yr average Equity Multiplier	3.22	1.74	4.98
5yr Average Asset Turnover Ratio	0.3	0.18	0.15
5yr Avg Net Profit Margin	-4.46 %	47.18 %	5.48 %
5yr Avg Net Profit Margin	-4.46 %	47.18 %	5.48 %
5yr CAGR Net Profit	n/a	111.3 %	-17.72 %
5yr CAGR Sales	-8.12 %	123.62 %	-4.84 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.56	2.04	1.06
P/E	0.0	35.23	0.0
Shareholdings
Promoter Holding	66.95 %	31.09 %	36.55 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-0.07 %	-2.03 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	Capital Trust	Oracle Credit	India Home Loan
Product Wise Break-Up	Product Wise Break-Up Interest Income 44.33 Interest Income 0.15 Mortgage and verification fee 0 0 Loan Processing fee 0 Sale of service 0 Interest on loans 0 Housing Finance 0 Others 55.52	Product Wise Break-Up 0 Sale of service 33.06 Mortgage and verification fee 0 Loan Processing fee 0 Housing Finance 0 Interest Income 0 Interest on loans 5.89 Others 61.05	Product Wise Break-Up 0 Sale of service 0 Mortgage and verification fee 0 Loan Processing fee 0 Home loans 100.0 Interest Income 0 Interest on loans 0
Location Wise Break-Up	Location Wise Break-Up Bihar 59.04 Punjab 13.25 Madhya Pradesh 13.25 Rajasthan 7.23 Odisha 7.23 Uttar Pradesh 0 Uttarakhand 0 Gujarat 0 Maharashtra 0	-	Location Wise Break-Up Madhya Pradesh 0 Uttar Pradesh 0 Gujarat 89.11 Odisha 0 Uttarakhand 0 Maharashtra 9.53 Punjab 0 Rajasthan 1.34 Bihar 0 Others 0.02
Verticals	Verticals Dairy and Livestock 42.86 Services 30.45 Retail 14.9 Trading 6.68 Food Products 2.66 Manufacturing 2.24 Agricultural 0.19 Others 0.02	-	-
Borrowings Break-Up	Borrowings Break-Up Financial Services 39.6 Banking 33.42 Corporate Banking 22.54 Unsecured Loans 3.71 Cash credit facility from bank 0 Debentures (Secured) 0 Au Small Finance Bank 0 IDFC First Bank Ltd 0 Car Loan 0 National Housing Bank 0 Others 0.73	-	Borrowings Break-Up Banking 0 Debentures (Secured) 0 Au Small Finance Bank 0 Financial Services 0 IDFC First Bank Ltd 0 Corporate Banking 0 Car Loan 0 Cash credit facility from bank 0 Unsecured Loans 0 National Housing Bank 16.8 Others 83.2
AUM Break-Up	AUM Break-Up Capital Digital Loans 80.0 Legacy Portfolio 20.0	-	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	-	-

Capital Trust Ltd.

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