Sundaram Finance Ltd.

Financial

	Sundaram Finance	Mah & Mah Finl. Serv	L&T Finance
Operational Metrics
Asset Management Sector
5 Yr AUM CAGR - Mutual Funds	13.5 %	32.19 %	12.95 %
% of AUM in equity fund	73.57 %	80.24 %	59.68 %
AUM - Mutual Funds	67150.96 Crs	27762.04 Crs	72603.11 Crs
Banking Sector
Fresh Slippages - Quarterly	129.59 Crs	n/a	n/a
Net Interest Margin	4.8 %	6.6 %	8.5 %
General Insurance Sector
Combined Ratio	114.3 %	n/a	n/a
Yield On Total Investments - General Insurance	5.76 %	n/a	n/a
Monthly Gross Direct Premium Income (GDPI)	287.99 Crs	n/a	n/a
Risk Retention Ratio	74.7 %	n/a	n/a
Float	3686.22 Crs	n/a	n/a
NBFC
Gross NPA	1.26 %	3.9 %	3.23 %
Net NPA	0.63 %	2.0 %	0.97 %
Capital to Risks Assets Ratio (CRAR)	20.5 %	17.8 %	22.48 %
Tier I Capital	16.8 %	15.1 %	20.86 %
Cost of Borrowing	6.3 %	n/a	7.83 %
AUM - NBFC	43987.0 Crs	115126.0 Crs	95120.0 Crs
Cost To Income Ratio	34.69 %	41.0 %	41.7 %
Financials
5 yr Average ROE	13.32 %	8.3 %	7.91 %
5yr average Equity Multiplier	5.92	5.77	5.5
5yr Average Asset Turnover Ratio	0.11	0.14	0.12
5yr Avg Net Profit Margin	21.2 %	10.81 %	11.62 %
5yr Avg Net Profit Margin	21.2 %	10.81 %	11.62 %
5yr CAGR Net Profit	12.65 %	12.44 %	6.42 %
5yr CAGR Sales	8.89 %	5.89 %	-0.85 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	4.13	1.66	1.4
P/E	32.4	13.5	13.22
Shareholdings
Promoter Holding	37.22 %	52.16 %	66.25 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	1.33 %	0.0	2.75 %
Change in Mutual Fund Holding (3 Yrs)	-2.72 %	8.23 %	4.42 %

Business

	Sundaram Finance	Mah & Mah Finl. Serv	L&T Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 83.16 Fees and Commission 4.21 Lease Rental 2.64 Dividend 0.45 Others 9.54	-	-
Segment Break-Up	Segment Break-Up Asset Financing 91.04 Insurance 0 Defocused business 0 Infrastructure finance 0 Housing business 0 Rural business 0 Wholesale Business 0 Retail Business 0 Others 8.96	-	Segment Break-Up Defocused business 0.48 Infrastructure finance 0 Retail Business 85.78 Insurance 0 Asset Financing 0 Housing business 0 Rural business 0 Wholesale Business 11.84 Others 1.9
Location Wise Break-Up	Location Wise Break-Up South India 56.0 North India 27.4 West India 12.3 East India 4.3 Central India 0 India 0	Location Wise Break-Up South India 19.0 East India 20.0 West India 18.0 India 0 North India 33.0 Central India 10.0	Location Wise Break-Up South India 0 East India 0 West India 0 India 100.0 North India 0 Central India 0
Borrowings Break-Up	Borrowings Break-Up Bank Borrowing 39.0 Debenture 32.3 Securitisation 10.4 Comercial paper 4.1 WC Loans 0 NHB 0 Loans repayable on demand 0 Loans from corporates 0 Term loans 0 ECB 0 Commercial Paper 0 NCD (retail) 0 NCD (ex retail) 0 Bank loan 0 Others 14.2	Borrowings Break-Up Securitisation 0 Bank loan 0 Bank Borrowing 0 NCD (retail) 0 Loans repayable on demand 0 ECB 0 Debenture 0 Comercial paper 0 NHB 0 NCD (ex retail) 0 Loan from Body Corporates 0.16 Loan From Banks 99.47 WC Loans 0 Commercial Paper 0 Others 0.37	Borrowings Break-Up Securitisation 0 Bank Loan 54.0 Bank Borrowing 0 NCD 1.0 Loans repayable on demand 0 ECB 5.0 Debenture 0 Comercial paper 0 NHB 0 NCD 28.0 Loans from corporates 0 Term loans 0 WC Loans 0 Commercial Papers 7.0 Others 5.0
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Motors 68.94 Health Insurance 24.19 PERSONAL ACCIDENT 2.34 Fire Equipment 2.21 MARINE 1.52 Engineering 0.37 Workmens Compensation /Employers Liability 0.29 Public/Product Liability 0.13 Crop 0 Others 0.01	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC 4 Wheeler 23.8 Commercial Vehicles 21.5 Construction Equipment 10.4 Tractor Segment 7.2 SME 0 Pre-owned vehicles 0 0 Auto/ Utility vehicles 0 Others 37.1	AUM Break-Up - NBFC Pre-owned vehicles 18.0 Construction Equipment 0 4 Wheeler 0 Commercial Vehicles 20.0 Tractor Segment 0 Utility Vehicles 40.0 Commercial Vehicles 0 SME 5.0 Others 17.0	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management EQUITY 74.35 Liquid/ Money Market 10.84 Debt 7.34 Balanced schemes 7.25 ETF 0 FMP 0 Gilt 0 Equity 0 Others 0.22	AUM Break-Up - Asset Management Equity 0 Liquid/ Money Market 4.98 Gilt 0 Debt 4.9 Equity 82.03 FMP 0 ETF 0 Balanced schemes 8.02 Others 0.07	AUM Break-Up - Asset Management Equity 60.5 Liquid/ Money Market 13.94 Gilt 0 Debt 25.22 EQUITY 0 FMP 0 ETF 0 Balanced schemes 0 Others 0.34

Sundaram Finance Ltd.

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