Fedbank Financial Services Ltd

Financial

	Fedbank Financial	Northern ARC Capital	Paisalo Digital
Operational Metrics
Banking Sector
Net Interest Margin	9.5 %	9.1 %	6.59 %
Net NPA	1.0 %	0.37 %	n/a
Capital to Risks Assets Ratio (CRAR)	21.6 %	26.1 %	42.26 %
Gross NPA	1.9 %	0.9 %	n/a
NBFC
AUM - NBFC	14922.0 Crs	12250.0 Crs	4748.8 Crs
Cost To Income Ratio	55.1 %	n/a	n/a
Cost of Borrowing	9.0 %	9.2 %	n/a
Tier I Capital	14.7 %	18.07 %	31.81 %
Financials
5 yr Average ROE	9.24 %	9.09 %	8.6 %
5yr average Equity Multiplier	5.94	4.21	2.93
5yr Average Asset Turnover Ratio	0.13	0.13	0.15
5yr Avg Net Profit Margin	12.08 %	15.49 %	19.67 %
5yr Avg Net Profit Margin	12.08 %	15.49 %	19.67 %
5yr CAGR Net Profit	44.28 %	27.13 %	27.02 %
5yr CAGR Sales	28.46 %	24.61 %	11.94 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.45	1.02	2.11
P/E	15.71	10.94	15.75
Shareholdings
Promoter Holding	61.04 %	0.0	50.37 %
Share Pledged by Promoters	0.0	0.0	28.43 %
Change in Promoter Holding (3 Yrs)	-21.55 %	0.0	6.21 %
Change in Mutual Fund Holding (3 Yrs)	2.53 %	0.52 %	0.24 %

Business

	Fedbank Financial	Northern ARC Capital	Paisalo Digital
Segment Break-Up	Segment Break-Up Retail Finance 93.87 Distribution 1.97 Whole Sale Finance 0.01 Portfolio Management Services 0 Investment Management services 0 Investment Advisory Services 0 Financing Activity 0 Others 4.15	Segment Break-Up Financing Activity 92.14 Whole Sale Finance 0 Portfolio Management Services 0.82 Investment Advisory Services 0 Distribution 0 Investment Management services 1.78 Retail Finance 0 Others 5.26	-
Location Wise Break-Up	Location Wise Break-Up India 100.0	-	Location Wise Break-Up India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Retail Finance 76.98 Distribution 0.54 Whole Sale Finance 0 Others 22.48	-	-
AUM Break-Up	AUM Break-Up Business Loan 0 Gold Loan 0 Mortgage 0 Agriculture Loan 0 Affordable housing finance 0 Vehicle finance 0 Consumer finance 0 MFI 0 MSME 0 Others 100	AUM Break-Up Business Loan 0 MSME 39.8 Gold Loan 0 MFI 23.16 Consumer finance 26.58 Mortgage 0 Vehicle finance 6.2 Agriculture Loan 1.39 Affordable housing finance 2.88	-
Borrowings Break-Up	Borrowings Break-Up Bank 79.76 Term loans from other Parties 10.86 Term loan from Related Party 9.38 Debt securities 0 Loans repayable on demand 0 Loans from related parties 0 Term loans 0	-	Borrowings Break-Up Debt securities 0 Term loans from other Parties 0 Loans repayable on demand from banks 37.82 Loans from related parties 0 Loan From Banks 62.18 Term loan from Related Party 0 Bank 0
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Finance 99.8 Distribution 0.12 Whole Sale Finance 0 Portfolio Management Services 0 Investment Management services 0 Investment Advisory Services 0 Financing Activity 0 Others 0.08	Asset Break-Up - Segment Wise Financing Activity 97.96 Whole Sale Finance 0 Portfolio Management Services 0 Investment Advisory Services 0.03 Distribution 0 Investment Management services 1.41 Retail Finance 0 Others 0.6	-
NPA Break-Up	NPA Break-Up Business Loan 0 Gold Loan 0 Mortgage 0 Others 100	-	-

Fedbank Financial Services Ltd

Fedbank Financial Services Ltd

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