Indiabulls Housing Finance Ltd.

Financial

	Indiabulls Housing	IDFC	Sundaram Finance
Operational Metrics
Asset Management Sector
% of AUM in equity fund	48.57 %	26.23 %	75.21 %
5 Yr AUM CAGR - Mutual Funds	-44.21 %	15.07 %	13.5 %
AUM - Mutual Funds	363.69 Crs	118301.86 Crs	57334.3 Crs
Net NPA	1.71 %	n/a	1.02 %
NBFC
AUM - NBFC	64703.0 Crs	n/a	42172.0 Crs
Capital to Risks Assets Ratio (CRAR)	35.7 %	n/a	20.0 %
Tier I Capital	31.2 %	n/a	16.0 %
Gross NPA	2.85 %	n/a	1.77 %
Cost To Income Ratio	24.1 %	n/a	35.14 %
Cost of Borrowing	8.1 %	n/a	6.3 %
Financials
5 yr Average ROE	12.0 %	2.64 %	14.42 %
5yr average Equity Multiplier	5.88	1.02	5.83
5yr Average Asset Turnover Ratio	0.12	0.02	0.11
5yr Avg Net Profit Margin	15.76 %	261.32 %	23.49 %
5yr Avg Net Profit Margin	15.76 %	261.32 %	23.49 %
5yr CAGR Net Profit	-22.69 %	n/a	2.57 %
5yr CAGR Sales	-12.26 %	-21.52 %	8.39 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.68	1.68	5.04
P/E	10.9	4.98	33.28
Shareholdings
Promoter Holding	0.0	0.0	37.87 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-21.7 %	0.0	1.96 %
Change in Mutual Fund Holding (3 Yrs)	-2.16 %	4.48 %	2.34 %

Business

	Indiabulls Housing	IDFC	Sundaram Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 77.56 Fees & Commission Income 1.16 Net gain or loss on fair value changes 0 Interest 0 Lease Rental 0 Dividend 0 Fees and Commission Income 0 Others 21.28	Product Wise Break-Up Fees & Commission Income 0 Lease Rental 0 Net gain or loss on fair value changes 0 Dividend 0 Fees and Commission Income 0 Interest Income 0 Interest 100.0	Product Wise Break-Up Fees & Commission Income 0 Lease Rental 2.02 Net gain or loss on fair value changes 0 Dividend 0 Fees and Commission 3.71 Interest Income 84.24 Interest 0 Others 10.03
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Sell Down 40.0 Debenture 30.0 Bank Loan 28.0 ECB 1.0 REPURCHASE AGREEMENT 0 0 COMMERCIAL PAPERS 0 EXTERNAL COMMERCIAL BORROWINGS 0 TERM LOANS 0 DEBENTURES & BONDS 0 Others 1.0	Borrowing Break-Up - NBFC 0 Bonds & Debentures 34.0 Commercial Papers 2.0 Bank Loan 0 ECB 0 External Commercial Borrowings 1.0 Debenture 0 Loan From Banks 4.0 REPURCHASE AGREEMENT 19.0 Sell Down 0 Others 40.0	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 International 0 East India 0 West India 0 North India 0 South India 0	Location Wise Break-Up East India 0 International 0 India 100.0 West India 0 Rest of the World 0 South India 0 North India 0	Location Wise Break-Up East India 4.4 International 0 India 0 West India 11.5 Rest of the World 0 South India 56.2 North India 27.9
Distribution Channel	Distribution Channel Direct 65.0 eHome Loans 22.0 External Channels 8.0 Branch Walk-ins 5.0	-	-
AUM Break-Up	AUM Break-Up Loan Against Property 53.0 Corporate Banking 29.0 Business Loans 18.0	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Liquid/ Money Market 52.47 Equity 35.81 Debt 8.6 ETF 3.12 Balanced schemes 0 FMP 0 Equity 0	AUM Break-Up - Asset Management ETF 0.02 Equity 27.51 Liquid/ Money Market 10.91 Balanced schemes 0.49 Debt 58.81 FMP 0 Others 2.26	AUM Break-Up - Asset Management ETF 0 Equity 0 Liquid/ Money Market 10.84 Balanced schemes 7.25 Debt 7.34 FMP 0 Others 74.57
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0 Asset management 0	Segment Wise Break-Up Asset management 0 Financial Services 100.0	-

Indiabulls Housing Finance Ltd.

Indiabulls Housing Finance Ltd.

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