Repco Home Finance Ltd.

Financial

	Repco Home Finance	GIC Housing Fin	SRG Housing
Operational Metrics
Banking Sector
Net Interest Margin	5.5 %	3.13 %	11.06 %
Net NPA	1.5 %	n/a	n/a
NBFC
Cost of Borrowing	8.9 %	8.01 %	11.11 %
Capital to Risks Assets Ratio (CRAR)	32.52 %	33.56 %	39.85 %
Tier I Capital	34.0 %	n/a	39.41 %
Gross NPA	3.9 %	1.76 %	1.98 %
AUM - NBFC	14155.1 Crs	n/a	707.47 Crs
Cost To Income Ratio	26.0 %	67.77 %	65.4 %
Financials
5 yr Average ROE	13.03 %	10.77 %	17.6 %
5yr average Equity Multiplier	5.44	6.62	4.03
5yr Average Asset Turnover Ratio	0.11	0.1	0.19
5yr Avg Net Profit Margin	22.2 %	16.18 %	22.39 %
5yr Avg Net Profit Margin	22.2 %	16.18 %	22.39 %
5yr CAGR Net Profit	6.91 %	-2.7 %	3.22 %
5yr CAGR Sales	2.68 %	-1.55 %	11.77 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.64	0.47	2.06
P/E	4.48	4.98	17.14
Shareholdings
Promoter Holding	37.13 %	42.41 %	64.79 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-0.17 %
Change in Mutual Fund Holding (3 Yrs)	-2.32 %	0.0	0.0

Business

	Repco Home Finance	GIC Housing Fin	SRG Housing
Segment Break-Up	Segment Break-Up Housing Finance 100.0	-	-
Location Wise Break-Up	Location Wise Break-Up Tamil Nadu 56.6 Karnataka 12.7 Maharashtra 9.7 Andhra Pradesh 6.0 Telangana 5.3 Rest of India 4.4 Gujarat 2.8 Kerala 2.5 Rest of the World 0 India 0 Madhya Pradesh 0 Rajasthan 0	Location Wise Break-Up Madhya Pradesh 0 Telangana 0 Rest of India 0 Tamil Nadu 0 Kerala 0 Rest of the World 0 Andhra Pradesh 0 Rajasthan 0 India 100.0 Karnataka 0 Maharashtra 0 Gujarat 0	Location Wise Break-Up Madhya Pradesh 9.37 Telangana 0 Rest of India 0 Tamil Nadu 0 Kerala 0 Rest of the World 0 Andhra Pradesh 0 Rajasthan 52.59 India 0 Karnataka 0 Maharashtra 0.31 Gujarat 37.73
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Commercial Banks 82.2 Repco Bank 9.3 National Housing Bank 8.5 CPs 0 NCDs 0 Short Term Banks From Loans 0 Debenture 0 Commercial papers 0 From Insurance Company 0 From bank 0	Borrowing Break-Up - NBFC Short Term Banks From Loans 4.9 National Housing Bank 8.17 Loan From Banks 85.78 Commercial Banks 0 NCDs 0 From Insurance Company 0 Debenture 0 CPs 0 Repco Bank 0 Commercial papers 0 Others 1.15	-
Operating Profit Break-Up	Operating Profit Break-Up Others 100	-	-
Customer Segment	Customer Segment Non-Salaried 52.1 Salaried 47.9 Self-Employed 0	-	Customer Segment Salaried 25.23 Non-Salaried 0 Self-Employed 74.77
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Home loans 73.5 Loan Against Property 26.5 Housing Finance 0	AUM Break-Up - NBFC Loan Against Property 0 Home loans 0 Home loans 100.0	-

Repco Home Finance Ltd.

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