PTC India Financial Services Ltd.

Financial

	PTC India Fin. Serv	Spandana Sphoorty	Satin Creditcare
Operational Metrics
Banking Sector
Net Interest Margin	4.46 %	11.3 %	n/a
Capital to Risks Assets Ratio (CRAR)	57.36 %	36.0 %	27.4 %
Tier I Capital	41.53 %	n/a	n/a
NBFC
Cost To Income Ratio	17.71 %	77.7 %	48.91 %
Cost of Borrowing	9.57 %	12.2 %	n/a
Gross NPA	8.46 %	4.85 %	3.9 %
Net NPA	4.74 %	0.98 %	1.5 %
Financials
5 yr Average ROE	5.14 %	7.01 %	5.91 %
5yr average Equity Multiplier	4.35	2.84	4.87
5yr Average Asset Turnover Ratio	0.1	0.19	0.19
5yr Avg Net Profit Margin	13.46 %	12.11 %	6.12 %
5yr Avg Net Profit Margin	13.46 %	12.11 %	6.12 %
5yr CAGR Net Profit	7.88 %	7.33 %	22.98 %
5yr CAGR Sales	-10.74 %	8.58 %	8.42 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.8	0.59	0.71
P/E	12.22	0.0	6.21
Shareholdings
Promoter Holding	64.99 %	48.13 %	36.17 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-14.49 %	-0.52 %
Change in Mutual Fund Holding (3 Yrs)	2.1 %	0.31 %	-2.42 %

Business

	PTC India Fin. Serv	Spandana Sphoorty	Satin Creditcare
Product Wise Break-Up	Product Wise Break-Up Interest Income 99.13 Fee and commission income 0.6 Sale of power 0.27 nbfc 0 Net gain on fair value changes 0 Commission income 0 Interest income 0 0 Fees and Commission Income 0 Dividend Income 0 MSME 0 Service/ Trade (ex. MSME) 0 Production 0 Agri/ Allied Activities 0	Product Wise Break-Up 0 Fees and Commission Income 0 Dividend Income 0 Agri/ Allied Activities 0 nbfc 0 Interest Income 89.01 Production 0 Net gain on fair value changes 8.83 Commission income 0 Fee and commission income 0 Service/ Trade (ex. MSME) 0 MSME 0 Sale of power 0 Interest Income 0 Others 2.16	Product Wise Break-Up Gain from derecognition of financial instrument 13.23 Fees and Commission 1.12 Dividend Income 0 Agri/ Allied Activities 0 nbfc 0 Interest income 82.55 Production 0 Net gain on fair value changes 0 Commission income 0 Fee and commission income 0 Service/ Trade (ex. MSME) 0 MSME 0 Sale of power 0 Interest Income 0 Others 3.1
Loan Break-Up	Loan Break-Up Power 39.0 Renewable Energy 19.0 Transmission 17.0 Road 7.0 Thermal Projects 7.0 INFRA 3.0 Hydro 0 Others 8.0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 Chattisgarh 0 Rajasthan 0 Bihar 0 Gujarat 0 Kerala 0 Jharkhand 0 Andhra Pradesh 0 Maharashtra 0 Karnataka 0 Madhya Pradesh 0 Odisha 0 Punjab 0 Uttar Pradesh 0 Pondicherry 0 Tripura 0 Tamil Nadu 0 Assam 0 Chhattisgarh 0 Haryana 0 West Bengal 0 NCR 0	Location Wise Break-Up Rajasthan 2.24 Maharashtra 10.63 Chhattisgarh 0 West Bengal 0 Tripura 0 Haryana 0 Kerala 3.93 NCR 0 Punjab 0 Pondicherry 0 Bihar 2.91 Karnataka 12.84 Uttar Pradesh 0 Rest of the World 0 Chattisgarh 8.8 Andhra Pradesh 7.51 Madhya Pradesh 18.88 Tamil Nadu 0 India 0 Assam 0 Gujarat 3.22 Jharkhand 5.5 Odisha 20.6 Others 2.94	Location Wise Break-Up Rajasthan 5.7 Maharashtra 0 Chhattisgarh 0 West Bengal 6.2 Tripura 0 Haryana 3.6 Kerala 0 NCR 5.6 Punjab 6.6 Pondicherry 0 Bihar 14.6 Karnataka 0 Uttar Pradesh 26.9 Rest of the World 0 Chattisgarh 0 Andhra Pradesh 0 Madhya Pradesh 6.6 Tamil Nadu 0 India 0 Assam 3.9 Gujarat 0 Jharkhand 0 Odisha 0 Others 20.3
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 98.52 ECB 0.95 Commercial Papers 0 Bonds/Debentures 0 Cash credit from bank 0 0 Indian rupee loan from banks 0 Others 0.53	Borrowings Break-Up Bonds/Debentures 0 Commercial Papers 0 Loan From NBFC 18.7 Loan From Banks 3.28 Loan From Banks 78.01 ECB 0 Loan From Banks 0 Others 0.01	-
NPA Break-Up	NPA Break-Up Thermal and Hydro 82.0 Hydro 11.0 Others 6.0 Renewable Energy 1.0	-	-

PTC India Financial Services Ltd.

PTC India Financial Services Ltd.

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