IFCI Ltd.

Financial

	IFCI	CreditAccess Grameen	Capri Global Capital
Operational Metrics
Banking Sector
Net Interest Margin	-5.9 %	13.0 %	8.7 %
Fresh Slippages - Quarterly	59.2 Crs	n/a	40.01 Crs
Capital to Risks Assets Ratio (CRAR)	-48.4 %	25.9 %	22.9 %
Tier I Capital	-48.36 %	24.7 %	n/a
Yield On Advances	12.02 %	n/a	n/a
NBFC
Cost of Borrowing	9.1 %	9.8 %	9.4 %
Gross NPA	49.1 %	3.99 %	1.7 %
Net NPA	83.8 %	1.28 %	1.0 %
Financials
5 yr Average ROE	-24.91 %	12.5 %	8.9 %
5yr average Equity Multiplier	4.53	4.45	3.56
5yr Average Asset Turnover Ratio	0.11	0.15	0.14
5yr Avg Net Profit Margin	-45.4 %	17.84 %	18.71 %
5yr Avg Net Profit Margin	-45.4 %	17.84 %	n/a
5yr CAGR Net Profit	n/a	34.09 %	n/a
5yr CAGR Sales	-3.62 %	24.85 %	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.32	2.19	3.61
P/E	108.25	17.38	37.78
Shareholdings
Promoter Holding	71.72 %	66.5 %	69.87 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	7.91 %	-7.39 %	-4.87 %
Change in Mutual Fund Holding (3 Yrs)	0.07 %	1.94 %	1.62 %

Business

	IFCI	CreditAccess Grameen	Capri Global Capital
Product Wise Break-Up	Product Wise Break-Up Dividend 32.28 Fee & Commission income 23.65 Service 19.34 Interest Income 18.15 Net gain on fair value changes 4.9 Rental Income 1.68 0 Fees and commission 0 Fee and commission income 0	Product Wise Break-Up Interest Income 0 Rental Income 0 Fee and commission income 0 Fee & Commission income 1.1 Fee & Commission income 0 Service 0 Dividend 0 Net gain on fair value changes 0.89 0 Others 98.01	Product Wise Break-Up Interest Income 0 Rental Income 0 Fee & Commission income 9.09 Fees and commission 0 Fee & Commission income 0 Service 0 Dividend 0 Net gain on fair value changes 1.54 0 Others 89.37
Loan Break-Up	Loan Break-Up STL 37.06 Project Loan 32.49 Corporate Banking 28.91 LAS 1.54 Gold Loan 0 Housing Loans 0 Indirect Retail Lending 0 Construction Finance 0 MSME 0	-	Loan Break-Up Home loans 7.84 Indirect Retail Lending 10.41 MSME Sector 4.81 LAS 0 STL 0 Project Loan 0 Construction Finance 16.91 Corporate Banking 0 Gold Loan 60.03
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 Madhya pradesh 0 Tamil Nadu 0 Maharashtra 0 Karnataka 0	Location Wise Break-Up India 0 Maharashtra 20.83 Madhya Pradesh 6.84 Karnataka 31.37 Rest of the World 0 Tamil Nadu 20.02 Others 20.94	Location Wise Break-Up India 100.0 Maharashtra 0 Madhya pradesh 0 Karnataka 0 Rest of the World 0 Tamil Nadu 0
Verticals	Verticals Manufacturing 28.15 Infra - Energy 23.76 Infra - Transport & Logistics 14.28 Service 12.5 Real Estate 9.77 Holding Co 2.85 Infra - Communication 1.28 Mining & Exploration 1.08 Infra - Socail & Commercial 0.43 BFSI 0 Others 5.9	-	-
Borrowings Break-Up	Borrowings Break-Up Private Placement Bonds 32.27 Bank Loan 32.01 Public NCDs 12.18 Subordinate Bonds 8.11 NCD 5.05 Infrastructure Bonds 4.45 Foreign Currency Borrowings 2.63 Tax Free Bonds 1.91 Zero Coupon Bonds 1.39 External commercial borrowings 0 Non-banking financial companies 0 Financial institutions 0 Banks 0 Debt Securities 0 Term Loans from Banks 0 From Banks (Cash Credit) 0 From Banks (Overdraft) 0	Borrowings Break-Up Banking 65.77 Debt Securities 0 From Banks (Overdraft) 0 Infrastructure Bonds 0 Subordinate Bonds 0 Tax Free Bonds 0 NCD 0 Private Placement Bonds 0 From Banks (Cash Credit) 0 Bank Loan 0 Zero Coupon Bonds 0 Financial Services 12.23 Foreign Currency Borrowings 0 Public NCDs 0 NBFC 3.25 Term Loans from Banks 0 External Commercial Borrowings 18.65 Others 0.1	Borrowings Break-Up Banks 0 Debt Securities 1.46 From Banks (Overdraft) 0 Infrastructure Bonds 0 Subordinate Bonds 0 Tax Free Bonds 0 NCD 0 Private Placement Bonds 0 Loan From Banks 3.65 Bank Loan 0 Zero Coupon Bonds 0 Financial institutions 0 Foreign Currency Borrowings 0 Public NCDs 0 Non-banking financial companies 0 Loan From Banks 94.57 External commercial borrowings 0 Others 0.32

IFCI Ltd.

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