IFCI Ltd.

Financial

	IFCI	Capri Global Capital	Manappuram Finance
Operational Metrics
Banking Sector
Net Interest Margin	-5.9 %	8.3 %	14.5 %
Fresh Slippages - Quarterly	59.2 Crs	40.01 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	-48.4 %	23.7 %	30.0 %
Tier I Capital	-48.36 %	n/a	n/a
Yield On Advances	12.02 %	n/a	n/a
NBFC
Cost of Borrowing	9.1 %	9.2 %	9.3 %
Gross NPA	49.1 %	1.6 %	2.0 %
Net NPA	83.8 %	1.0 %	1.7 %
Financials
5 yr Average ROE	-24.91 %	8.9 %	19.89 %
5yr average Equity Multiplier	4.53	3.56	4.3
5yr Average Asset Turnover Ratio	0.11	0.14	0.19
5yr Avg Net Profit Margin	-45.4 %	18.71 %	24.62 %
5yr Avg Net Profit Margin	-45.4 %	n/a	24.62 %
5yr CAGR Net Profit	n/a	n/a	8.32 %
5yr CAGR Sales	-3.62 %	n/a	9.95 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.72	3.88	1.22
P/E	126.86	48.18	6.79
Shareholdings
Promoter Holding	71.72 %	69.89 %	35.25 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	7.91 %	-4.95 %	0.2 %
Change in Mutual Fund Holding (3 Yrs)	0.09 %	1.62 %	-2.65 %

Business

	IFCI	Capri Global Capital	Manappuram Finance
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 Fee and commission income 0	Product Wise Break-Up Dividend 0 0 Fee & Commission income 9.09 Interest Income 0 Service 0 Fee & Commission income 0 Rental Income 0 Net gain on fair value changes 1.54 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 Gold Loan 60.03 LAS 0 Corporate Banking 0 Indirect Retail Lending 10.41 MSME Sector 4.81 Construction Finance 16.91 Home loans 7.84 Project Loan 0 STL 0	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 East India 0 North India 0 West India 0 South India 0	Location Wise Break-Up West India 0 East India 0 South India 0 India 100.0 Rest of the World 0 North India 0	Location Wise Break-Up West India 9.68 East India 10.27 South India 62.83 India 0 Rest of the World 0 North India 16.74 Others 0.48
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 Debt Securities 0 Term Loans from Banks 0 From Banks (Cash Credit) 0 From Banks (Overdraft) 0 Commercial paper 0 Bank finance 0 External Commercial Borrowings 0	Borrowings Break-Up Infrastructure Bonds 0 Foreign Currency Borrowings 0 Tax Free Bonds 0 Loan From Banks 94.57 Bank Loan 0 Debt Securities 1.46 Commercial paper 0 Bank finance 0 Zero Coupon Bonds 0 Public NCDs 0 NCD 0 Subordinate Bonds 0 From Banks (Overdraft) 0 Private Placement Bonds 0 Loan From Banks 3.65 External Commercial Borrowings 0 Others 0.32	Borrowings Break-Up Infrastructure Bonds 0 Foreign Currency Borrowings 0 Tax Free Bonds 0 Term Loans from Banks 0 Bank Loan 0 Debt Securities 0 Commercial Papers 1.5 Banking 66.76 Zero Coupon Bonds 0 Public NCDs 0 NCD 0 Subordinate Bonds 0 From Banks (Overdraft) 0 Private Placement Bonds 0 From Banks (Cash Credit) 0 ECB 19.02 Others 12.72

IFCI Ltd.

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