Manappuram Finance Ltd.

Financial

	Manappuram Finance	Capri Global Capital	Five Star Business
Operational Metrics
Banking Sector
Net Interest Margin	14.8 %	8.7 %	16.56 %
NBFC
Cost To Income Ratio	40.3 %	58.3 %	34.87 %
Cost of Borrowing	9.4 %	9.4 %	n/a
AUM - NBFC	44200.0 Crs	20662.9 Crs	11180.0 Crs
Capital to Risks Assets Ratio (CRAR)	30.0 %	22.9 %	51.21 %
Gross NPA	2.5 %	1.7 %	1.62 %
Net NPA	2.3 %	1.0 %	n/a
Unclassified
Gold Kept As Security	57.3 Tonnes	n/a	n/a
LTV -Gold Loan	60.0 %	n/a	n/a
Financials
5 yr Average ROE	19.89 %	8.9 %	11.63 %
5yr average Equity Multiplier	4.3	3.56	2.32
5yr Average Asset Turnover Ratio	0.19	0.14	0.18
5yr Avg Net Profit Margin	24.62 %	18.71 %	29.63 %
5yr Avg Net Profit Margin	24.62 %	n/a	29.63 %
5yr CAGR Net Profit	8.32 %	n/a	73.66 %
5yr CAGR Sales	9.95 %	n/a	64.84 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.39	3.65	3.5
P/E	8.82	38.16	19.46
Shareholdings
Promoter Holding	35.25 %	69.87 %	21.55 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.19 %	-4.87 %	-13.32 %
Change in Mutual Fund Holding (3 Yrs)	-6.25 %	1.62 %	4.73 %

Business

	Manappuram Finance	Capri Global Capital	Five Star Business
Segment Break-Up	Segment Break-Up Gold Loan 70.39 Microfinance Services 29.61	-	-
Location Wise Break-Up	Location Wise Break-Up South India 62.83 North India 16.74 East India 10.27 West India 9.68 India 0 Others 0.48	Location Wise Break-Up East India 0 India 100.0 North India 0 West India 0 South India 0	Location Wise Break-Up East India 0 India 100.0 North India 0 West India 0 South India 0
Operating Profit Break-Up	Operating Profit Break-Up Gold Loan 86.8 Microfinance Services 13.2	-	-
Borrowings Break-Up	Borrowings Break-Up Banking 66.76 ECB 19.02 NCD 12.07 Commercial Papers 1.5 Debt Securities 0 Term Loans from Banks 0 From Banks (Cash Credit) 0 From Banks (Overdraft) 0 ECB 0 NCD 0 Bank Term Loans 0 Loans repayable on demand 0 Borrowings under Securitisation 0 Others 0.65	Borrowings Break-Up From Banks (Overdraft) 0 Debt Securities 1.46 Banking 0 Loans repayable on demand 0 Borrowings under Securitisation 0 ECB 0 Loan From Banks 94.57 Bank Term Loans 0 Loan From Banks 3.65 Commercial Papers 0 NCD 0 Others 0.32	Borrowings Break-Up From Banks (Overdraft) 0 Debt Securities 0 Banking 0 Loans repayable on demand 0 Borrowings under Securitisation 17.82 External commercial borrowing 0.99 Term Loans from Banks 0 Term Loans 59.41 From Banks (Cash Credit) 0 Commercial Papers 0 Non-Convertible Debentures 11.88 Others 9.9
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Gold Loan 53.3 Microfinance Services 24.0 Auto Loans 10.6 Home loans 3.7 Gold Loan 0 Housing Loans 0 Indirect Retail Lending 0 Construction Finance 0 MSME 0 Others 8.4	AUM Break-Up - NBFC Gold Loan 34.32 Indirect Retail Lending 1.33 Home loans 22.19 Microfinance Services 0 Home loans 0 Auto Loans 0 Construction Finance 18.11 MSME Sector 24.04 Others 0.01	-

Manappuram Finance Ltd.

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