Sundaram Finance Ltd.

Financial

	Sundaram Finance	Indiabulls Housing	Cholamandalam Fin.
Operational Metrics
Asset Management Sector
5 Yr AUM CAGR - Mutual Funds	13.5 %	-44.21 %	n/a
% of AUM in equity fund	75.55 %	48.57 %	n/a
AUM - Mutual Funds	58726.73 Crs	363.69 Crs	n/a
Banking Sector
Fresh Slippages - Quarterly	129.59 Crs	n/a	n/a
Net Interest Margin	5.0 %	n/a	n/a
General Insurance Sector
Combined Ratio	109.2 %	n/a	n/a
Yield On Total Investments - General Insurance	7.4 %	n/a	n/a
Monthly Gross Direct Premium Income (GDPI)	322.94 Crs	n/a	n/a
Risk Retention Ratio	78.3 %	n/a	n/a
Float	3250.27 Crs	n/a	n/a
NBFC
Gross NPA	1.77 %	2.85 %	n/a
Net NPA	1.02 %	1.71 %	n/a
Capital to Risks Assets Ratio (CRAR)	20.0 %	35.7 %	n/a
Tier I Capital	16.0 %	31.2 %	n/a
Cost of Borrowing	6.3 %	8.1 %	n/a
AUM - NBFC	42172.0 Crs	64703.0 Crs	n/a
Cost To Income Ratio	35.14 %	24.1 %	n/a
Financials
5 yr Average ROE	14.42 %	12.0 %	15.54 %
5yr average Equity Multiplier	5.83	5.88	16.35
5yr Average Asset Turnover Ratio	0.11	0.12	0.16
5yr Avg Net Profit Margin	23.49 %	15.76 %	6.12 %
5yr Avg Net Profit Margin	23.49 %	15.76 %	n/a
5yr CAGR Net Profit	2.57 %	-22.69 %	n/a
5yr CAGR Sales	8.39 %	-12.26 %	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	4.87	0.64	1.96
P/E	32.13	10.13	11.32
Shareholdings
Promoter Holding	37.87 %	0.0	47.37 %
Share Pledged by Promoters	0.0	0.0	0.02 %
Change in Promoter Holding (3 Yrs)	1.96 %	-21.7 %	-1.43 %
Change in Mutual Fund Holding (3 Yrs)	2.34 %	-2.16 %	-1.31 %

Business

	Sundaram Finance	Indiabulls Housing	Cholamandalam Fin.
Product Wise Break-Up	Product Wise Break-Up Interest Income 84.24 Fees and Commission 3.71 Lease Rental 2.02 Dividend 0 Fees & Commission Income 0 Service Income 0 0 Fee & Commission income 0 Premium income (net of re-insurance) 0 0 Dividend Income 0 Others 10.03	Product Wise Break-Up Interest Income 77.56 Lease Rental 0 Dividend Income 0 Premium income (net of re-insurance) 0 0 Fee & Commission income 0 Fees & Commission Income 1.16 0 Fees and Commission 0 Dividend 0 Service Income 0 Others 21.28	Product Wise Break-Up Interest Income 71.63 Lease Rental 0 Dividend 0.05 Premium income (net of re-insurance) 19.8 0 Fee & Commission income 6.24 Fees & Commission Income 0 Net gain on fair value changes 2.23 Fees and Commission 0 Dividend 0 Service Income 0.05
Segment Break-Up	Segment Break-Up Asset Financing 91.25 Insurance 0 Financing 0 Others 8.75	-	Segment Break-Up Financial Services 72.84 Insurance 27.12 Asset Financing 0 Others 0.04
Location Wise Break-Up	Location Wise Break-Up South India 56.2 North India 27.9 West India 11.5 East India 4.4 Rest of the World 0 India 0	Location Wise Break-Up North India 0 East India 0 Rest of the World 0 India 100.0 West India 0 South India 0	Location Wise Break-Up North India 0 East India 0 Rest of the World 0 India 100.0 West India 0 South India 0
Borrowings Break-Up	Borrowings Break-Up Bank Borrowing 34.1 Debenture 32.8 Comercial paper 10.9 Securitisation 8.0 WC Loans 0 NHB 0 Loan repayable on demand - Secured 0 External Commercial Borrowings 0 Foreign Currency Loans 0 Rupee Loans 0 Others 14.2	-	Borrowings Break-Up Securitisation 0 WC Loans 0 Comercial paper 0 Rupee Loans 91.48 Foreign Currency Borrowings 1.13 Bank Borrowing 0 External Commercial Borrowings 3.83 Loan From Banks 3.29 Debenture 0 NHB 0 Others 0.27
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Motors 48.94 Health Insurance 19.56 Fire Equipment 2.39 PERSONAL ACCIDENT 1.8 MARINE 1.41 Engineering 0.37 Workmens Compensation /Employers Liability 0.24 Public/Product Liability 0.13 Crop 0 Others 25.16	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC 4 Wheeler 24.4 Commercial Vehicles 21.9 Construction Equipment 10.6 Tractor Segment 7.6 Others 35.5	-	-
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 Others 0.22	AUM Break-Up - Asset Management FMP 0 Liquid/ Money Market 52.47 Debt 8.6 Balanced schemes 0 ETF 3.12 Equity 35.81	-

Sundaram Finance Ltd.

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