Muthoot Capital Services Ltd.

Financial

	Muthoot Capital Serv	Kiran Vyapar	Bombay Oxygen Invest
Operational Metrics
Banking Sector
Net Interest Margin	66.7 %	n/a	n/a
NBFC
Cost of Borrowing	9.82 %	n/a	n/a
AUM - NBFC	1944.0 Crs	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	33.21 %	n/a	n/a
Tier I Capital	27.92 %	n/a	n/a
Gross NPA	10.69 %	n/a	n/a
Net NPA	3.55 %	0.0	n/a
Unclassified
Yield On Advances	17.52 %	n/a	n/a
Financials
5 yr Average ROE	3.42 %	4.03 %	2.91 %
5yr average Equity Multiplier	5.14	1.13	1.06
5yr Average Asset Turnover Ratio	0.2	0.08	0.13
5yr Avg Net Profit Margin	3.08 %	42.68 %	58.94 %
5yr Avg Net Profit Margin	3.08 %	42.68 %	n/a
5yr CAGR Net Profit	-1.79 %	11.22 %	n/a
5yr CAGR Sales	-3.03 %	-7.82 %	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.88	0.31	0.65
P/E	3.79	10.84	5.19
Shareholdings
Promoter Holding	62.62 %	74.96 %	73.29 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	-6.96 %	0.0	0.0

Business

	Muthoot Capital Serv	Kiran Vyapar	Bombay Oxygen Invest
Product Wise Break-Up	Product Wise Break-Up Microfinance Services 36.07 Auto loans 23.7 SME 22.0 SME 10.83 Gold Loan 2.77 Home loans 2.55 Agricultural Loan 1.41 Education Loan 0.68 Generation based incentives 0 Sale of power 0 Sale of services 0 Sale of goods 0 Net gain on fair value changes 0 Dividend income 0 Interest income 0 NBFC 0	Product Wise Break-Up SME 0 Interest Income 30.15 Home loans 0 Education Loan 0 Sale of services 0 NBFC 0 Net gain on fair value changes 67.59 Gold Loan 0 Generation based incentives 0 Agricultural Loan 0 Dividend 1.8 Microfinance Services 0 Sale of power 0 Auto loans 0 Sale of goods 0 Others 0.46	Product Wise Break-Up SME 0 Interest income 0 Home loans 0 Education Loan 0 Sale of services 0 NBFC 100.0 Net gain on fair value changes 0 Gold Loan 0 Generation based incentives 0 Agricultural Loan 0 Dividend income 0 Microfinance Services 0 Sale of power 0 Auto loans 0 Sale of goods 0
Location Wise Break-Up	Location Wise Break-Up South 44.51 HO 30.52 North 10.14 East 8.89 West 5.41 India 0 Others 0.53	Location Wise Break-Up West 0 East 0 India 100.0 South 0 HO 0 North 0	Location Wise Break-Up West 0 East 0 India 100.0 South 0 HO 0 North 0
Borrowings Break-Up	Borrowings Break-Up Bank Borrowing 61.28 Securitization 16.87 Commercial Papers 2.87 Public Deposit 1.63 Loan from Directors 0.43 Subordinated Debt 0.43 Others 16.49	-	-