SBI Cards And Payment Services Ltd.

Financial

	SBI Cards AndPayment	PB Fintech	PNB
Operational Metrics
Banking Sector
Cost To Income Ratio	51.1 %	n/a	56.09 %
Gross NPA	2.76 %	n/a	5.73 %
Net Interest Margin	10.9 %	n/a	3.1 %
Capital to Risks Assets Ratio (CRAR)	20.5 %	n/a	15.97 %
Credit Cards
Online Spend as a % of Total Spend	58.0 %	n/a	n/a
Interest Income Yield - Credit Cards	16.8 %	n/a	n/a
Cards In Force	18900.0 Thousands	n/a	n/a
30 Day Spend Active Rate	50.0 %	n/a	n/a
Receivable Per Card	26918.0 Rs	n/a	n/a
NBFC
Net NPA	0.99 %	n/a	n/a
Cost of Borrowing	7.4 %	n/a	4.52 %
Unclassified
Tier 2 Capital	4.0 %	n/a	2.8 %
Tier I Capital	16.5 %	n/a	13.17 %
Financials
5 yr Average ROE	20.54 %	-25.14 %	3.94 %
5yr average Equity Multiplier	4.55	1.2	13.98
5yr Average Asset Turnover Ratio	0.32	0.45	0.07
5yr Avg Net Profit Margin	13.97 %	-40.76 %	3.72 %
5yr Avg Net Profit Margin	13.97 %	n/a	3.72 %
5yr CAGR Net Profit	14.11 %	n/a	83.44 %
5yr CAGR Sales	12.38 %	n/a	13.74 %
5 yr CAGR PPOP	n/a	n/a	10.57 %
Price to Book	5.67	11.64	1.2
P/E	28.46	0.0	14.5
Shareholdings
Promoter Holding	68.62 %	0.0	73.15 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.88 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	4.56 %	8.68 %	-0.47 %

Business

	SBI Cards AndPayment	PB Fintech	PNB
Product Wise Break-Up	Product Wise Break-Up Interest Income 49.0 Spend based 23.0 Instance based & other 21.0 Subscription 6.0 Financial Products Commission 0 Rewards 0 Marketing & Consulting 0 Outsourcing Services 0 Insurance Commission 0 Others 1.0	Product Wise Break-Up Spend based 0 Consulting 32.82 Interest Income 0 Subscription 0 Outsourcing Services 21.47 Financial Products Commission 15.02 Insurance Commission 23.42 Instance based & other 0 Rewards 4.68 Others 2.59	-
Location Wise Break-Up	Location Wise Break-Up Tier I 38.0 Tier Iii 24.0 Tier Ii 22.0 India 0 Rest of the World 0 Others 16.0	Location Wise Break-Up Tier Ii 0 India 100.0 Tier I 0 Rest of the World 0 Tier Iii 0	Location Wise Break-Up Tier Ii 0 India 96.34 Tier I 0 Rest of the World 3.66 Tier Iii 0
Customer Segment	Customer Segment Salaried 62.0 Self-Employed 38.0	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 67.0 Debenture 20.0 Term Loans 13.0 Commercial Papers 0 Borrowings Outside India 0 Long Term Infrastructure Bonds 0 0 0	-	Borrowings Break-Up Commercial Papers 0 Long Term Infrastructure Bonds 3.99 0 Bonds 41.63 Debenture 0 Loan From Banks 0 Borrowings outside India 17.79 Term Loans 0 Others 36.59
Recievable Mix	Recievable Mix Transactor 39.0 Loan From Banks 37.0 Revolver 24.0 RBI RE 0	-	-