Power Finance Corporation Ltd.

Financial

	Power Finance Corp	Bajaj Finance	REC
Operational Metrics
Banking Sector
Net Interest Margin	3.42 %	10.0 %	3.61 %
Yield On Advances	10.02 %	n/a	n/a
NBFC
Cost of Borrowing	7.47 %	7.86 %	7.28 %
AUM - NBFC	457027.0 Crs	330615.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	26.86 %	22.5 %	28.21 %
Tier I Capital	19.07 %	21.5 %	25.35 %
Gross NPA	3.52 %	0.85 %	2.78 %
Net NPA	0.9 %	0.37 %	0.82 %
Financials
5 yr Average ROE	18.65 %	17.15 %	17.72 %
5yr average Equity Multiplier	12.26	5.17	8.72
5yr Average Asset Turnover Ratio	0.09	0.15	0.09
5yr Avg Net Profit Margin	17.01 %	21.63 %	23.32 %
5yr Avg Net Profit Margin	17.01 %	21.63 %	23.32 %
5yr CAGR Net Profit	9.88 %	23.56 %	14.23 %
5yr CAGR Sales	7.23 %	17.48 %	9.21 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.56	5.6	1.93
P/E	7.74	29.73	9.44
Shareholdings
Promoter Holding	55.99 %	54.69 %	52.63 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-1.43 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-0.73 %	3.17 %	0.41 %

Business

	Power Finance Corp	Bajaj Finance	REC
Product Wise Break-Up	Product Wise Break-Up Interest Income 98.78 Fee & Commission income 0.29 Dividend 0.09 Fee & commission 0 Interest income 0 Net gain/ (loss) on fair value changes 0 0 Others 0.84	Product Wise Break-Up Net gain/ (loss) on fair value changes 0 Interest income 88.64 Dividend 0 Interest Income 0 Fee & Commission income 0 Fee & commission 8.87 0 Others 2.49	Product Wise Break-Up Net gain/ (loss) on fair value changes 0 Interest income 0 Dividend 0 Interest Income 98.01 Fee & Commission income 0 Fee & commission 0 0 Others 1.99
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Verticals	Verticals Generation 47.0 Transmission & Distribution 42.0 Renewable Energy 10.0 Distribution 0 Transmission 0 Others 1.0	-	-
Customer Segment	Customer Segment Public Sector 84.15 Private Sector 15.85 Central Sector 0 Joint Sector 0 State Sector 0 Private 0 Joint 0 State 0	-	Customer Segment State Sector 0 Central Sector 0 Joint Sector 0 Private 10.0 Public Sector 0 STATE 90.0 Joint 0 Private Sector 0
Borrowings Break-Up	Borrowings Break-Up Borrowings in India 69.59 Borrowings outside India 30.41 External commercial borrowing 0 0 Overdraft facility 0 Working capital demand loans 0 Cash credit 0 Term loans from banks 0 Infra Bonds 0 Banks , Fis , Govt. & etc. 0 Commercial Papers 0 Tax Free Bonds 0 Capital Gain Bonds 0 FCNR (B) Loans 0 Foreign Currency Borrowings 0 0	Borrowings Break-Up Loan From Banks 85.5 Cash Credit 0.55 Capital Gain Bonds 0 Loan From Banks 2.17 Collateralized borrowing and lending obligation 9.99 Overdraft facility 0 0 Infra Bonds 0 Borrowings outside India 0 Tax Free Bonds 0 External Commercial Borrowings 1.79 Banks , Fis , Govt. & etc. 0 Commercial Papers 0 Foreign Currency Borrowings 0 Borrowings in India 0 FCNR (B) Loans 0	Borrowings Break-Up Term loans from banks 0 Cash credit 0 Capital Gain Bonds 9.0 Working capital demand loans 0 0 Overdraft facility 0 Institutional , Subordinate & Zero Coupon Bonds 41.0 Infra Bonds 0 Borrowings outside India 0 Tax Free Bonds 2.0 External commercial borrowing 0 Banking 20.0 Commercial Papers 1.0 Foreign Currency Borrowings 21.0 Borrowings in India 0 Loans 6.0

Power Finance Corporation Ltd.

Power Finance Corporation Ltd.

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