Aavas Financiers Ltd.

Financial

	Aavas Financiers	Home First Finance	Aptus Value Housing
Operational Metrics
Banking Sector
Net Interest Margin	7.64 %	5.2 %	13.4 %
Yield On Advances	13.13 %	13.4 %	17.4 %
NBFC
Cost To Income Ratio	25.54 %	34.2 %	n/a
Cost of Borrowing	8.24 %	8.4 %	8.6 %
AUM - NBFC	20420.2 Crs	13478.7 Crs	11267.0 Crs
Capital to Risks Assets Ratio (CRAR)	44.5 %	49.6 %	70.0 %
Tier I Capital	44.38 %	n/a	71.08 %
Gross NPA	1.08 %	1.8 %	1.49 %
Net NPA	0.73 %	n/a	1.12 %
Financials
5 yr Average ROE	12.54 %	12.24 %	14.98 %
5yr average Equity Multiplier	3.96	3.95	2.29
5yr Average Asset Turnover Ratio	0.12	0.12	0.15
5yr Avg Net Profit Margin	26.41 %	26.48 %	44.18 %
5yr Avg Net Profit Margin	26.41 %	26.48 %	44.18 %
5yr CAGR Net Profit	14.53 %	30.71 %	22.99 %
5yr CAGR Sales	17.47 %	25.77 %	22.26 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.61	4.96	3.79
P/E	27.79	30.24	20.5
Shareholdings
Promoter Holding	48.96 %	12.43 %	40.37 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	9.77 %	-21.15 %	-21.98 %
Change in Mutual Fund Holding (3 Yrs)	3.71 %	13.33 %	13.31 %

Business

	Aavas Financiers	Home First Finance	Aptus Value Housing
Product Wise Break-Up	Product Wise Break-Up Retail 99.6 Corporate 0.4 Net gain on fair value charge 0 Fees & commission 0 Interest income 0 Net gain on fair value changes 0 Fees & Commission Income 0 Interest Income 0	Product Wise Break-Up Interest Income 0 Retail 0 Interest Income 87.52 Fee & Commission income 4.17 Net gain on derecognition of financial assets carried at fair value 0.74 Corporate 0 Fees & Commission Income 0 Net gain on fair value changes 0 Others 7.57	Product Wise Break-Up Interest Income 90.25 Retail 0 Interest income 0 Fees & commission 0 Net gain on fair value charge 0 Corporate 0 Fees 2.59 Others 1.09 Others 6.07
Loan Break-Up	Loan Break-Up Home loans 68.0 Loan Against Property 13.0 Quasi HL 0 Insurance Loans 0 Top Up Loans 0 Business Loan 0 Loan Against Property 0 Others 19.0	Loan Break-Up Quasi HL 0 Top Up Loans 0 Home loans 0 Insurance Loans 0 Business Loan 0 Loan Against Property 15.0 Others 85.0	Loan Break-Up Quasi HL 14.0 Top Up Loans 3.0 Home loans 0 Insurance Loans 3.0 Business Loan 19.0 Loan Against Property 0 Others 61.0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Karnataka 0 Telangana 0 Andhra Pradesh 0 Tamil Nadu 0	Location Wise Break-Up Karnataka 0 India 0 Tamil Nadu 13.0 Telangana 8.5 Andhra Pradesh 5.5 Others 73.0	Location Wise Break-Up Karnataka 7.63 India 0 Tamil Nadu 32.86 Telangana 16.33 Andhra Pradesh 42.58 Others 0.6
Customer Segment	Customer Segment Self-Employed 60.0 Salaried 40.0 Corporates and Others 0 Self Employed 0	Customer Segment Corporates and Others 0 Salaried 68.0 Self Employed 32.0 Self-Employed 0	Customer Segment Corporates and Others 0 Salaried 22.0 Self Employed 78.0 Self-Employed 0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 50.0 Assignment 25.2 NHB 14.4 NCD 9.5 Co-lending 0 Private Banks 0 PSU Banks 0 NBFC 0 NHB 0 NCD 0 DA 0 Banks 0 Others 0.9	Borrowings Break-Up Loan From Banks 0 Banks 0 DA 14.0 Assignment 0 Co-lending 3.0 NCD 3.0 NBFC 2.0 NHB 16.0 Private Banks 26.0 PSU Banks 34.0 Others 2.0	Borrowings Break-Up Loan From Banks 0 Banks 51.6 DA 0 Assignment 0 Co-lending 0 NCD 20.5 NBFC 0 NHB 13.9 Private Banks 0 PSU Banks 0 Others 14.0

Aavas Financiers Ltd.

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