SG Finserve Ltd.

Financial

	SG Finserve	Summit Securities	Muthoot Microfin
Operational Metrics
Banking Sector
Net Interest Margin	5.5 %	n/a	13.26 %
Gross NPA	0.0	n/a	3.03 %
NBFC
Tier I Capital	47.43 %	n/a	28.97 %
AUM - NBFC	1673.0 Crs	n/a	12404.89 Crs
Capital to Risks Assets Ratio (CRAR)	47.83 %	n/a	30.51 %
Financials
5 yr Average ROE	5.2 %	1.24 %	6.49 %
5yr average Equity Multiplier	1.46	1.1	4.55
5yr Average Asset Turnover Ratio	0.08	0.02	0.18
5yr Avg Net Profit Margin	-350.78 %	73.46 %	8.02 %
5yr Avg Net Profit Margin	-350.78 %	73.46 %	8.02 %
5yr CAGR Net Profit	n/a	1.0 %	89.89 %
5yr CAGR Sales	229.29 %	4.53 %	21.4 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.77	0.21	0.92
P/E	29.31	26.7	9.2
Shareholdings
Promoter Holding	48.38 %	74.65 %	55.47 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-7.87 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	SG Finserve	Summit Securities	Muthoot Microfin
Product Wise Break-Up	Product Wise Break-Up Interest Income 93.93 Processing fees and documentation charges 4.01 Interest on deposits with Banks 2.06 Share of profit LLP 0 Dividend Income 0 Net Gain on Sale of Investment 0 Micro Loans 0	Product Wise Break-Up Interest Income 99.3 Dividend 0.7 Net Gain on Sale of Investment 0 Micro Loans 0 Share of profit LLP 0 Interest on deposits with Banks 0 0	Product Wise Break-Up Interest Income 0 Dividend Income 0 Net Gain on Sale of Investment 0 Micro Loans 100.0 Share of profit LLP 0 Interest on deposits with Banks 0 0
Segment Break-Up	Segment Break-Up Channel Financing 100.0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 West India 0 East India 0 North India 0 South India 0	Location Wise Break-Up North India 0 India 100.0 East India 0 West India 0 South India 0	Location Wise Break-Up North India 26.44 India 0 East India 14.52 West India 8.55 South India 50.49