Religare Enterprises Ltd.

Financial

	Religare Enterprises	SBFC Finance	Bengal & Assam
Operational Metrics
Banking Sector
Net NPA	n/a	1.63 %	n/a
Gross NPA	8.6 %	2.69 %	n/a
General Insurance Sector
Monthly Gross Direct Premium Income (GDPI)	586.67 Crs	n/a	n/a
Risk Retention Ratio	86.0 %	n/a	n/a
Yield On Total Investments - General Insurance	5.2 %	n/a	n/a
Float	3343.65 Crs	n/a	n/a
Combined Ratio	90.0 %	n/a	n/a
NBFC
Capital to Risks Assets Ratio (CRAR)	n/a	38.6 %	599.88 %
Financials
5 yr Average ROE	94.73 %	7.4 %	20.05 %
5yr average Equity Multiplier	-19.93	3.21	3.15
5yr Average Asset Turnover Ratio	0.44	0.13	0.91
5yr Avg Net Profit Margin	-7.61 %	18.64 %	9.89 %
Price to Book	3.7	3.16	1.05
P/E	42.4	31.19	2.7
5yr Avg Cash Conversion Cycle	12.4 Days	4.55 Days	n/a
Inventory Days	0.06 Days	0.0	n/a
Days Receivable	12.31 Days	4.55 Days	n/a
Days Payable	86.69 Days	0.0	n/a
5yr Average Interest Coverage Ratio	2.17	1.67	n/a
5yr Avg ROCE	2.95 %	8.66 %	n/a
5yr Avg Operating Profit Margin	-0.74 %	64.91 %	n/a
5 yr average Debt to Equity	-11.05	1.96	n/a
5yr CAGR Net Profit	n/a	29.73 %	n/a
5yr Average Return on Assets	1.14 %	2.39 %	n/a
Shareholdings
Promoter Holding	0.0	54.75 %	73.01 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-9.3 %	0.35 %
Change in Mutual Fund Holding (3 Yrs)	9.26 %	3.68 %	0.0

Business

	Religare Enterprises	SBFC Finance	Bengal & Assam
Segment Break-Up	Segment Break-Up Insurance 92.29 Broking 4.95 Investment services 1.41 E-Goverance 0.62 Financial Advisory Services 0 Others 0.73	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 International 0 Domestic 0	-	Location Wise Break-Up International 17.95 Domestic 82.05 India 0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Insurance 78.56 Broking Related Activities 20.95 E-Goverance 0.49 Financial Advisory Services 0 Investment and Financing Activities 0	-	-
Borrowings Break-Up	Borrowings Break-Up Secured 59.33 Un Secured 40.67	-	-
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Health 95.87 PERSONAL ACCIDENT 2.95 Others 1.18	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Insurance 0 E-Goverance 0 Financial Advisory Services 0 Broking Related Activities 0 Investment and Financing Activities 0 Others 100	-	-