Edelweiss Financial Services Ltd.

Financial

	Edelweiss Financial	Medi Assist Health	Religare Enterprises
Operational Metrics
Asset Management Sector
% of AUM in equity fund	28.69 %	n/a	n/a
5 Yr AUM CAGR - Mutual Funds	66.29 %	n/a	n/a
AUM - Mutual Funds	154786.44 Crs	n/a	n/a
Banking Sector
Net Interest Margin	0.2 %	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	42.4 %	n/a	n/a
Tier I Capital	16.2 %	n/a	n/a
Life Insurance Sector
61 Month Persistency Ratio	42.0 %	n/a	n/a
13 Month Persistency Ratio	70.4 %	n/a	n/a
Commission Ratio - Life Insurance	8.9 %	n/a	n/a
Claim Settlement Ratio	98.0 %	n/a	n/a
New Business Performance - Life Insurance	31.14 Crs	n/a	n/a
Management Expense Ratio - Life Insurance	46.2 %	n/a	n/a
Embedded Value	1951.0 Crs	n/a	n/a
Value Of New Business Margin (VNB)	38.0 %	n/a	n/a
NBFC
Gross NPA	2.45 %	n/a	n/a
Net NPA	1.42 %	n/a	n/a
Cost To Income Ratio	76.0 %	n/a	n/a
Cost of Borrowing	10.5 %	n/a	n/a
AUM - NBFC	8300.0 Crs	n/a	n/a
Financials
5 yr Average ROE	-1.68 %	14.87 %	61.84 %
5yr average Equity Multiplier	7.34	2.15	-18.44
5yr Average Asset Turnover Ratio	0.18	0.65	0.36
5yr Avg Net Profit Margin	-0.42 %	11.06 %	-19.52 %
5yr Avg Net Profit Margin	-0.42 %	n/a	n/a
5yr CAGR Net Profit	-19.13 %	n/a	n/a
5yr CAGR Sales	-5.02 %	n/a	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.3	8.4	3.46
P/E	14.75	59.19	34.84
Shareholdings
Promoter Holding	32.76 %	38.91 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.12 %	0.0	-0.31 %
Change in Mutual Fund Holding (3 Yrs)	-1.79 %	0.0	4.92 %

Business

	Edelweiss Financial	Medi Assist Health	Religare Enterprises
Loan Break-Up	Loan Break-Up Consumer Finance 34.0 Corporate Banking 30.0 Structured Collateralised Credit 15.0 Small & Medium Enterprises (SME) loans 13.0 ESOP and Margin Financing 7.0 Agricultural Loan 1.0	-	-
Segment Break-Up	Segment Break-Up Insurance 40.38 Asset Reconstruction 25.83 Capital based 14.52 Treasury Operations 11.05 Agency 7.19 Insurance 0 E-Goverance 0 Financial Advisory Services 0 Broking Related Activities 0 Investment and Financing Activities 0 Others 1.03	-	Segment Break-Up Treasury Operations 0 E-Goverance 0.67 Financial Advisory Services 0 Insurance 91.46 Capital based 0 Broking 5.23 Agency 0 Investment services 2.56 Asset Reconstruction 0 Others 0.08
Location Wise Break-Up	Location Wise Break-Up India 100.0 Outside India 0 Rest of the World 0	Location Wise Break-Up India 94.8 Outside India 5.2 Rest of the World 0	Location Wise Break-Up India 100.0 Outside India 0 Rest of the World 0
Investment Break-Up	Investment Break-Up Government securities 52.2 Other Approved investments 19.32 Investments in Infrastructure and Social Sector 14.86 Others 13.62	-	-
Borrowings Break-Up	Borrowings Break-Up Banking 43.0 Retail 26.0 PF & Insurance 20.0 MF 11.0 ASB 0 Corporate 0 Un Secured 0 Secured 0	-	Borrowings Break-Up Secured 59.33 MF 0 Retail 0 ASB 0 PF & Insurance 0 Corporate 0 Banking 0 Un Secured 40.67
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Motor 51.79 Health Insurance 36.4 Fire 2.38 Personal Accident 1.43 Engineering 0.15 Marine 0 Health 0 Others 7.85	-	Premium Break-Up - General Insurance PERSONAL ACCIDENT 2.95 Engineering 0 Motor 0 Fire 0 Health 95.87 Marine 0 Health Insurance 0 Others 1.18
Premium Break-Up	Premium Break-Up Life Insurance Business 77.93 General Insurance 22.07	-	-
Profit Before Tax	Profit Before Tax Others 100	-	-
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Traditional Non Par 42.0 Traditional Par 23.0 ULIP 22.0 Group 14.0	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management ETF 41.42 Equity 24.59 Debt 11.74 Liquid/ Money Market 3.9 Balanced schemes 0 Other Debt Schemes 0 Infrastructure Debt Funds 0 FMP 0 Gilt 0 Others 18.35	-	-
Asset Break-Up	Asset Break-Up Others 100	-	-

Edelweiss Financial Services Ltd.

Edelweiss Financial Services Ltd.

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