Satin Creditcare Network Ltd.

Financial

	Satin Creditcare	Suryoday Small Finan	Manappuram Finance
Operational Metrics
NBFC
Gross NPA	2.49 %	2.8 %	2.0 %
AUM - NBFC	11850.0 Crs	n/a	40400.0 Crs
Capital to Risks Assets Ratio (CRAR)	27.66 %	28.4 %	31.0 %
Cost To Income Ratio	39.81 %	57.7 %	41.6 %
Net NPA	0.99 %	n/a	1.8 %
Number of Clients - NBFC	34.7 Lacs	n/a	n/a
Retail
Average Ticket Size	47000.0 Rs	n/a	n/a
Financials
5 yr Average ROE	5.77 %	2.67 %	20.28 %
5yr average Equity Multiplier	5.17	4.98	4.39
5yr Average Asset Turnover Ratio	0.19	0.14	0.19
5yr Avg Net Profit Margin	5.01 %	2.91 %	24.22 %
5yr Avg Net Profit Margin	5.01 %	2.91 %	24.22 %
5yr CAGR Net Profit	-52.61 %	50.3 %	9.54 %
5yr CAGR Sales	2.58 %	31.57 %	9.74 %
5 yr CAGR PPOP	n/a	36.82 %	n/a
Price to Book	1.11	1.17	1.46
P/E	6.1	9.75	7.55
Shareholdings
Promoter Holding	36.17 %	22.4 %	35.2 %
Share Pledged by Promoters	0.0	22.45 %	0.0
Change in Promoter Holding (3 Yrs)	-2.04 %	-7.95 %	0.21 %
Change in Mutual Fund Holding (3 Yrs)	-2.85 %	1.08 %	-0.24 %

Business

	Satin Creditcare	Suryoday Small Finan	Manappuram Finance
Product Wise Break-Up	Product Wise Break-Up Interest income 84.83 Gain from derecognition of financial instrument 13.58 Fees and Commission 1.14 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 0.45	Product Wise Break-Up CV 8.0 0 IF 58.0 Production 0 Dividend Income 0 Fees and Commission 0 Agri/ Allied Activities 0 FIG 11.0 HL 8.0 SBL 8.0 MSME 0 Service/ Trade (ex. MSME) 0 Interest income 0 Others 7.0	-
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Loan From Banks 64.7 Liability against securitized assets 25.78 External Commercial Borrowings 9.2 Liability against leased assets 0.32 0 Banks 0 Commercial paper 0 Non-convertible debentures 0	-	-
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 West India 0 North India 0 South India 0 Others 20.3	Location Wise Break-Up South India 0 Maharashtra 29.0 West Bengal 0 Bihar 0 Karnataka 6.0 Rajasthan 0 Gujarat 12.0 Madhya Pradesh 7.0 Tamil Nadu 26.0 Pondicherry 0 West India 0 Punjab 0 East India 0 Jharkhand 0 NCR 0 Chhattisgarh 0 Tripura 0 Uttar Pradesh 0 North India 0 Assam 0 Haryana 0 Others 20.0	Location Wise Break-Up South India 63.22 Maharashtra 0 West Bengal 0 Bihar 0 Karnataka 0 Rajasthan 0 Gujarat 0 Madhya Pradesh 0 Tamil Nadu 0 Pondicherry 0 West India 9.76 Punjab 0 East India 10.27 Jharkhand 0 NCR 0 Chhattisgarh 0 Tripura 0 Uttar Pradesh 0 North India 16.74 Assam 0 Haryana 0 Others 0.01
AUM Break-Up - NBFC	AUM Break-Up - NBFC MFI Lending 85.76 Housing Finance 5.48 MSME 5.44 Business Correspondence 3.32 SFL 0 TFSL - Business Correspondence 0 Product Financing 0 Vehicle finance 0 Microfinance 0 Gold Loans 0	-	AUM Break-Up - NBFC Product Financing 0 SFL 0 Auto Loans 8.91 Microfinance Services 26.46 Business Correspondence 0 Home loans 3.5 TFSL - Business Correspondence 0 Gold Loan 51.4 MSME 0 MFI Lending 0 Others 9.73

Satin Creditcare Network Ltd.

Satin Creditcare Network Ltd.

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