IIFL Finance Ltd.

Financial

	IIFL Finance	Jaykay Enterprises	PNB Gilts
Operational Metrics
Banking Sector
Net Interest Margin	10.3 %	n/a	n/a
NBFC
Cost To Income Ratio	51.1 %	n/a	n/a
Cost of Borrowing	9.2 %	n/a	6.69 %
AUM - NBFC	71410.0 Crs	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	22.0 %	n/a	34.01 %
Tier I Capital	12.5 %	n/a	34.01 %
Gross NPA	2.4 %	n/a	n/a
Net NPA	1.0 %	n/a	n/a
Financials
5 yr Average ROE	15.26 %	9.91 %	12.61 %
5yr average Equity Multiplier	6.69	1.26	14.02
5yr Average Asset Turnover Ratio	0.15	0.1	0.07
5yr Avg Net Profit Margin	15.19 %	1693.01 %	15.43 %
Price to Book	1.22	6.04	1.18
P/E	27.1	126.41	7.73
5yr Avg Cash Conversion Cycle	4.76 Days	241.65 Days	n/a
Inventory Days	0.0	138.88 Days	n/a
Days Receivable	4.76 Days	356.17 Days	n/a
Days Payable	13.89 Days	75.97 Days	n/a
5yr Average Interest Coverage Ratio	1.5	191.8	n/a
5yr Avg ROCE	11.18 %	6.39 %	n/a
5yr Avg Operating Profit Margin	63.83 %	-674.59 %	n/a
5 yr average Debt to Equity	5.23	0.11	n/a
5yr CAGR Net Profit	28.58 %	n/a	n/a
5yr Average Return on Assets	2.32 %	8.73 %	n/a
Shareholdings
Promoter Holding	24.9 %	60.57 %	74.07 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.03 %	13.71 %	0.0
Change in Mutual Fund Holding (3 Yrs)	2.07 %	-0.11 %	0.0

Business

	IIFL Finance	Jaykay Enterprises	PNB Gilts
Segment Break-Up	Segment Break-Up Fund Based activities 97.0 Capital Markets 11.78 Financial Services 3.0	-	-
Location Wise Break-Up	Location Wise Break-Up Maharashtra 21.0 Gujarat 14.0 West Bengal 7.0 Rajasthan 7.0 Karnataka 7.0 NCR 7.0 Uttar Pradesh 6.0 Tamil Nadu 3.0 Odisha 2.0 Punjab 0 Madhya Pradesh 0 Andhra Pradesh 0 Rest of the World 0 India 0 Others 26.0	-	Location Wise Break-Up West Bengal 0 Tamil Nadu 0 Maharashtra 0 Uttar Pradesh 0 Rajasthan 0 India 100.0 Andhra Pradesh 0 NCR 0 Punjab 0 Gujarat 0 Rest of the World 0 Karnataka 0 Madhya Pradesh 0 Odisha 0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 83.78 Cash Credit 14.82 Securitization liability 0.96 Commercial papers 0 CBLO 0 ICD 0 Refinance 0 Call Money 0 CP 0 LOC 0 Term Money 0 Market Repo 0 Others 0.44	-	Borrowings Break-Up LOC 0 Market Repo 74.71 Commercial papers 0 CBLO 0 CP 0 Cash Credit 0 Refinance 0 Loan From Banks 12.99 ICD 0 Call Money 12.11 Loan From Banks 0 Securitization liability 0 Others 0.19
AUM Break-Up - NBFC	AUM Break-Up - NBFC Home loans 43.48 Microfinance Services 16.89 Gold Loan 16.12 Capital Markets 0.57 Off Book Assets 0 Developer & Construction 0 Business Loan 0 Others 22.94	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 77.43 Liquid/ Money Market 8.95 Debt 6.94 Balanced schemes 6.68 ETF 0	-	-