Edelweiss Financial Services Ltd.

Financial

	Edelweiss Financial	Motilal Oswal Fin	Tata Invest Corp
Operational Metrics
Asset Management Sector
% of AUM in equity fund	27.62 %	74.94 %	n/a
5 Yr AUM CAGR - Mutual Funds	66.29 %	21.82 %	n/a
AUM - Mutual Funds	150941.94 Crs	55162.34 Crs	n/a
Banking Sector
Net Interest Margin	0.2 %	7.6 %	n/a
Capital to Risks Assets Ratio (CRAR)	42.4 %	51.0 %	100.31 %
Tier I Capital	16.2 %	50.0 %	100.31 %
Life Insurance Sector
61 Month Persistency Ratio	42.0 %	n/a	n/a
13 Month Persistency Ratio	70.4 %	n/a	n/a
Commission Ratio - Life Insurance	8.9 %	n/a	n/a
Claim Settlement Ratio	98.0 %	n/a	n/a
New Business Performance - Life Insurance	18.21 Crs	n/a	n/a
Management Expense Ratio - Life Insurance	46.2 %	n/a	n/a
Embedded Value	1841.5 Crs	n/a	n/a
Value Of New Business Margin (VNB)	38.0 %	n/a	n/a
NBFC
Gross NPA	2.45 %	0.9 %	0.0
Net NPA	1.42 %	0.4 %	n/a
Cost To Income Ratio	76.0 %	45.9 %	n/a
Cost of Borrowing	10.5 %	8.3 %	n/a
AUM - NBFC	8300.0 Crs	n/a	n/a
Financials
5 yr Average ROE	-1.68 %	16.36 %	1.25 %
5yr average Equity Multiplier	7.34	3.28	1.1
5yr Average Asset Turnover Ratio	0.18	0.23	0.01
5yr Avg Net Profit Margin	-0.42 %	21.54 %	81.63 %
5yr Avg Net Profit Margin	-0.42 %	n/a	81.63 %
5yr CAGR Net Profit	-19.13 %	n/a	13.49 %
5yr CAGR Sales	-5.02 %	n/a	9.4 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.56	3.9	1.41
P/E	17.64	13.97	96.82
Shareholdings
Promoter Holding	32.76 %	69.16 %	73.38 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.12 %	-1.5 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-1.79 %	2.04 %	-0.42 %

Business

	Edelweiss Financial	Motilal Oswal Fin	Tata Invest Corp
Loan Break-Up	Loan Break-Up Consumer Finance 34.0 Corporate Banking 30.0 Structured Collateralised Credit 15.0 Small & Medium Enterprises (SME) loans 13.0 ESOP and Margin Financing 7.0 Agricultural Loan 1.0	-	-
Segment Break-Up	Segment Break-Up Insurance 35.78 Asset Reconstruction 22.12 Capital based 19.85 Treasury Operations 13.77 Agency 8.15 Home Finance 0 Investment Banking 0 Asset management and Advisory 0 Fund Based Activities 0 Broking and other related activities 0 Others 0.33	Segment Break-Up Insurance 0 Asset Reconstruction 0 Capital based 0 Home loans 6.55 Asset Management 27.13 Broking 49.17 Investment Banking 0 Agency 0 Fund Based activities 17.11 Treasury Operations 0 Others 0.04	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Investment Break-Up	Investment Break-Up Government securities 52.2 Other Approved investments 19.32 Investments in Infrastructure and Social Sector 14.86 Others 13.62	-	-
Borrowings Break-Up	Borrowings Break-Up Banking 43.0 Retail 26.0 PF & Insurance 20.0 MF 11.0 ASB 0 Corporate 0 Cash credit from banks 0 Demand loans from banks 0 Term loans 0	Borrowings Break-Up PF & Insurance 0 Corporate 0 Retail 0 ASB 0 Loan From Banks 68.76 MF 0 Loan From Banks 31.24 Cash credit from banks 0 Banking 0	-
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Motor 51.79 Health Insurance 36.4 Fire 2.38 Personal Accident 1.43 Engineering 0.15 Marine 0 Others 7.85	-	-
Premium Break-Up	Premium Break-Up Life Insurance Business 77.93 General Insurance 22.07	-	-
Profit Before Tax	Profit Before Tax Others 100	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management ETF 41.42 Equity 24.59 Debt 11.74 Liquid/ Money Market 3.9 Balanced schemes 0 Other Debt Schemes 0 Infrastructure Debt Funds 0 FMP 0 Gilt 0 AIF AUM 0 PMS AUM 0 MF AUM 0 Others 18.35	AUM Break-Up - Asset Management FMP 0 AIF AUM 0 Gilt 0 Equity 0 Liquid/ Money Market 0 ETF 0 PMS AUM 0 Other Debt Schemes 0 MF 66.1 Debt 0 Infrastructure Debt Funds 0 Balanced schemes 0 Others 33.9	-
Asset Break-Up	Asset Break-Up Others 100	Asset Break-Up Others 100	-
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Traditional Non Par 42.0 Traditional Par 23.0 ULIP 22.0 Group 14.0	-	-

Edelweiss Financial Services Ltd.

Edelweiss Financial Services Ltd.

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