SBI Cards And Payment Services Ltd.

Financial

	SBI Cards AndPayment	Muthoot Finance	Sundaram Finance
Operational Metrics
Banking Sector
Cost To Income Ratio	53.5 %	26.0 %	34.69 %
Gross NPA	3.24 %	n/a	n/a
Net Interest Margin	10.6 %	11.6 %	4.8 %
Capital to Risks Assets Ratio (CRAR)	22.9 %	25.11 %	20.5 %
Credit Cards
Online Spend as a % of Total Spend	58.5 %	n/a	n/a
Interest Income Yield - Credit Cards	16.5 %	n/a	n/a
Cards In Force	20200.0 Thousands	n/a	n/a
30 Day Spend Active Rate	52.0 %	n/a	n/a
Receivable Per Card	27052.0 Rs	n/a	n/a
NBFC
Net NPA	1.18 %	3.7 %	0.63 %
Cost of Borrowing	7.4 %	8.7 %	6.3 %
Unclassified
Tier 2 Capital	5.9 %	n/a	n/a
Tier I Capital	17.0 %	24.37 %	16.8 %
Financials
5 yr Average ROE	20.54 %	21.25 %	13.32 %
5yr average Equity Multiplier	4.55	4.13	5.92
5yr Average Asset Turnover Ratio	0.32	0.16	0.11
5yr Avg Net Profit Margin	13.97 %	31.48 %	21.2 %
5yr Avg Net Profit Margin	13.97 %	31.48 %	21.2 %
5yr CAGR Net Profit	14.11 %	6.62 %	12.65 %
5yr CAGR Sales	12.38 %	9.31 %	8.89 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	6.61	3.17	4.64
P/E	42.3	17.84	36.37
Shareholdings
Promoter Holding	68.6 %	73.35 %	37.22 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.99 %	-0.02 %	-1.27 %
Change in Mutual Fund Holding (3 Yrs)	1.64 %	1.71 %	-5.39 %

Business

	SBI Cards AndPayment	Muthoot Finance	Sundaram Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 52.0 Spend based 22.0 Instance based & other 19.0 Subscription 7.0 Service Charges 0 Sale of Services 0 Dividend Income 0 Lease Rental 0 Dividend 0 Fees and Commission Income 0	Product Wise Break-Up Service Charges 1.14 Sale of Services 0 Lease Rental 0 Subscription 0 Fees and Commission Income 0 Dividend Income 0 Interest Income 97.64 Instance based & other 0 Dividend 0 Spend based 0 Others 1.22	Product Wise Break-Up Service Charges 0 Sale of Services 0 Lease Rental 2.64 Subscription 0 Fees and Commission 4.21 Dividend Income 0 Interest Income 83.16 Instance based & other 0 Dividend 0.45 Spend based 0 Others 9.54
Location Wise Break-Up	Location Wise Break-Up Tier I 36.0 Tier Iii 25.0 Tier Ii 22.0 India 0 East India 0 West India 0 North India 0 South India 0 Others 17.0	Location Wise Break-Up North India 0 West India 0 East India 0 India 100.0 Tier I 0 Tier Iii 0 South India 0 Tier Ii 0	Location Wise Break-Up North India 27.4 West India 12.3 East India 4.3 India 0 Tier I 0 Tier Iii 0 South India 56.0 Tier Ii 0
Customer Segment	Customer Segment Salaried 66.0 Self-Employed 34.0	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 65.0 Term Loans 19.0 Debenture 16.0 Commercial Papers 0 Subordinated Debt 0 Secured Non-Convertible Debentures 0 External Commercial Borrowings 0 Overdraft against Deposite 0 From Bank 0 Commercial Paper 0 Cash Credit/ Short term loan 0 Securitised Loans 0 Loans from related party 0 Pass through certificates payable 0 Loan from Financial Institutions 0 Term Loan from Bank 0 WC Loans 0 NHB 0 Comercial paper 0 Securitisation Deposits 0 Bank Borrowing 0 Debenture 0	Borrowings Break-Up Commercial Papers 0 WC Loans 0 NHB 0 Overdraft against Deposite 0 Term Loans 0 Loan From Banks 0 Bank Borrowing 0 Comercial paper 0 Commercial Papers 4.91 Subordinated Debt 0 Loans from related party 0 Secured Non-Convertible Debentures 26.0 Cash Credit/ Short term loan 0 Pass through certificates payable 0 Loan From Banks 55.68 External Commercial Borrowings 0 Loan from Financial Institutions 0 Securitisation Deposits 0 Term Loan from Bank 0 Debenture 0 Securitised Loans 0 Others 13.41	Borrowings Break-Up Commercial Papers 0 WC Loans 0 NHB 0 Overdraft against Deposite 0 Term Loans 0 Loan From Banks 0 Bank Borrowing 39.0 Comercial paper 4.1 Commercial Paper 0 Subordinated Debt 0 Loans from related party 0 Secured Non-Convertible Debentures 0 Cash Credit/ Short term loan 0 Pass through certificates payable 0 From Bank 0 External Commercial Borrowings 0 Loan from Financial Institutions 0 Securitisation 10.4 Term Loan from Bank 0 Debenture 32.3 Securitised Loans 0 Others 14.2
Recievable Mix	Recievable Mix Transactor 40.0 Loan From Banks 36.0 Revolver 24.0 RBI RE 0	-	-

SBI Cards And Payment Services Ltd.

SBI Cards And Payment Services Ltd.

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