Satin Creditcare Network Ltd.

Financial

	Satin Creditcare	Manappuram Finance	Suryoday Small Finan
Operational Metrics
NBFC
Gross NPA	2.73 %	3.7 %	2.7 %
AUM - NBFC	10485.0 Crs	42100.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	27.9 %	22.8 %	27.3 %
Cost To Income Ratio	44.53 %	41.0 %	60.3 %
Net NPA	1.08 %	1.7 %	n/a
Number of Clients - NBFC	35.1 Lacs	n/a	n/a
Retail
Average Ticket Size	49000.0 Rs	n/a	n/a
Financials
5 yr Average ROE	5.91 %	19.89 %	4.84 %
5yr average Equity Multiplier	4.87	4.3	5.55
5yr Average Asset Turnover Ratio	0.19	0.19	0.14
5yr Avg Net Profit Margin	6.12 %	24.62 %	4.68 %
5yr Avg Net Profit Margin	6.12 %	24.62 %	4.68 %
5yr CAGR Net Profit	22.98 %	8.32 %	14.25 %
5yr CAGR Sales	8.42 %	9.95 %	16.18 %
5 yr CAGR PPOP	n/a	n/a	8.22 %
Price to Book	0.93	1.49	1.06
P/E	4.91	7.67	8.35
Shareholdings
Promoter Holding	36.17 %	35.24 %	22.39 %
Share Pledged by Promoters	0.0	0.0	22.45 %
Change in Promoter Holding (3 Yrs)	-2.07 %	0.25 %	-5.63 %
Change in Mutual Fund Holding (3 Yrs)	-2.93 %	-2.08 %	-3.2 %

Business

	Satin Creditcare	Manappuram Finance	Suryoday Small Finan
Product Wise Break-Up	Product Wise Break-Up Interest income 90.46 Gain from derecognition of financial instrument 7.45 Fees and Commission 1.94 Dividend Income 0 MSME 0 Service/ Trade (ex. MSME) 0 Production 0 Agri/ Allied Activities 0 IF 0 CV 0 HL 0 SBL 0 FIG 0 Others 0.15	-	Product Wise Break-Up Interest income 0 Production 0 Service/ Trade (ex. MSME) 0 SBL 0 IF 59.0 HL 8.0 0 Dividend Income 0 MSME 0 CV 9.0 Fees and Commission 0 FIG 10.0 Agri/ Allied Activities 0 Others 14.0
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Loan From Banks 75.94 Liability against securitized assets 11.87 External Commercial Borrowings 9.19 Liability against leased assets 0.3 0 Banks 0 Commercial paper 0 Non-convertible debentures 0 Others 2.7	-	-
Location Wise Break-Up	Location Wise Break-Up Uttar Pradesh 26.9 Bihar 14.6 Punjab 6.6 Madhya Pradesh 6.6 West Bengal 6.2 Rajasthan 5.7 NCR 5.6 Assam 3.9 Haryana 3.6 Pondicherry 0 Tripura 0 Karnataka 0 Tamil Nadu 0 Chhattisgarh 0 Jharkhand 0 Maharashtra 0 Gujarat 0 East India 0 North India 0 West India 0 South India 0 Others 20.3	Location Wise Break-Up Maharashtra 0 North India 16.74 South India 63.22 Karnataka 0 Chhattisgarh 0 NCR 0 Rajasthan 0 Tripura 0 Madhya Pradesh 0 Gujarat 0 Tamil Nadu 0 Punjab 0 East India 10.27 Pondicherry 0 Jharkhand 0 West India 9.76 Assam 0 Haryana 0 West Bengal 0 Bihar 0 Uttar Pradesh 0 Others 0.01	Location Wise Break-Up Maharashtra 29.0 North India 0 South India 0 Karnataka 7.0 Chhattisgarh 0 NCR 0 Rajasthan 0 Tripura 0 Madhya Pradesh 7.0 Gujarat 10.0 Tamil Nadu 27.0 Punjab 0 East India 0 Pondicherry 0 Jharkhand 0 West India 0 Assam 0 Haryana 0 West Bengal 0 Bihar 0 Uttar Pradesh 0 Others 20.0
AUM Break-Up - NBFC	AUM Break-Up - NBFC MFI Lending 87.45 Housing Finance 6.57 MSME 5.13 Business Correspondence 0.85 SFL 0 TFSL - Business Correspondence 0 Product Financing 0 Vehicle finance 0 Microfinance 0 Gold Loans 0	AUM Break-Up - NBFC Auto Loans 10.11 Business Correspondence 0 Product Financing 0 TFSL - Business Correspondence 0 Microfinance Services 25.01 MSME 0 Home loans 3.53 SFL 0 Gold Loan 52.63 MFI Lending 0 Others 8.72	-

Satin Creditcare Network Ltd.

Satin Creditcare Network Ltd.

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