Manappuram Finance Ltd.

Financial

	Manappuram Finance	SBFC Finance	Paul Merchants
Operational Metrics
Banking Sector
Net Interest Margin	15.0 %	9.9 %	n/a
NBFC
Cost To Income Ratio	41.0 %	57.19 %	n/a
Cost of Borrowing	9.3 %	7.65 %	n/a
AUM - NBFC	42100.0 Crs	6822.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	22.8 %	40.5 %	n/a
Gross NPA	3.7 %	n/a	n/a
Net NPA	1.7 %	n/a	n/a
Unclassified
Gold Kept As Security	58.8 Tonnes	n/a	n/a
LTV -Gold Loan	58.0 %	n/a	n/a
Financials
5 yr Average ROE	20.28 %	7.4 %	7.56 %
5yr average Equity Multiplier	4.39	3.21	1.32
5yr Average Asset Turnover Ratio	0.19	0.13	9.21
5yr Avg Net Profit Margin	24.22 %	18.64 %	0.68 %
5yr Avg Net Profit Margin	24.22 %	n/a	n/a
5yr CAGR Net Profit	9.54 %	n/a	n/a
5yr CAGR Sales	9.74 %	n/a	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.51	3.19	0.45
P/E	7.98	37.4	4.71
Shareholdings
Promoter Holding	35.2 %	60.66 %	74.65 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.21 %	-3.39 %	1.94 %
Change in Mutual Fund Holding (3 Yrs)	-0.24 %	0.79 %	0.0

Business

	Manappuram Finance	SBFC Finance	Paul Merchants
Segment Break-Up	Segment Break-Up Gold Loan 68.86 Microfinance Services 31.14	-	-
Location Wise Break-Up	Location Wise Break-Up South India 63.22 North India 16.74 East India 10.27 West India 9.76 Others 0.01	-	-
Operating Profit Break-Up	Operating Profit Break-Up Gold Loan 81.5 Microfinance Services 18.5 Gold Loan 0 Travel 0 Forex 0	-	Operating Profit Break-Up Travel 0 Microfinance Services 0 Gold Loan 99.9 Forex 0 Others 0.1
Borrowings Break-Up	Borrowings Break-Up Banking 79.18 NCD 14.35 ECB 2.76 Commercial paper 0 Others 3.71	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Gold Loan 51.1 Microfinance Services 26.15 Auto Loans 9.77 Home loans 3.59 Others 9.39	-	-