Aavas Financiers Ltd.

Financial

	Aavas Financiers	Home First Finance	Aptus Value Housing
Operational Metrics
Banking Sector
Net Interest Margin	7.64 %	5.1 %	12.96 %
Yield On Advances	13.13 %	13.4 %	17.39 %
NBFC
Cost To Income Ratio	25.54 %	35.7 %	n/a
Cost of Borrowing	8.24 %	8.4 %	8.68 %
AUM - NBFC	20420.2 Crs	12712.7 Crs	10865.0 Crs
Capital to Risks Assets Ratio (CRAR)	44.5 %	32.8 %	70.0 %
Tier I Capital	44.38 %	n/a	72.44 %
Gross NPA	1.08 %	1.7 %	1.19 %
Net NPA	0.73 %	n/a	0.89 %
Financials
5 yr Average ROE	12.54 %	12.24 %	13.97 %
5yr average Equity Multiplier	3.96	3.95	2.2
5yr Average Asset Turnover Ratio	0.12	0.12	0.14
5yr Avg Net Profit Margin	26.41 %	26.48 %	44.03 %
5yr Avg Net Profit Margin	26.41 %	26.48 %	44.03 %
5yr CAGR Net Profit	14.53 %	30.71 %	23.73 %
5yr CAGR Sales	17.47 %	25.77 %	22.02 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.94	5.22	3.71
P/E	30.32	34.47	21.32
Shareholdings
Promoter Holding	26.47 %	14.25 %	52.98 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-12.73 %	-19.35 %	-9.37 %
Change in Mutual Fund Holding (3 Yrs)	3.47 %	13.37 %	7.63 %

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 Net gain on fair value changes 0 Corporate 0 Fee & Commission income 4.17 Interest Income 0 Interest Income 87.52 Fees & Commission Income 0 Net gain on derecognition of financial assets carried at fair value 0.74 Retail 0 Others 7.57	Product Wise Break-Up Others 0.54 Corporate 0 Fees & commission 0 Interest Income 92.96 Interest income 0 Fees 3.14 Net gain on fair value charge 0 Retail 0 Others 3.36
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 Home loans 0 Loan Against Property 15.0 Top Up Loans 0 Quasi HL 0 Business Loan 0 Insurance Loans 0 Others 85.0	Loan Break-Up Home loans 0 Loan Against Property 0 Top Up Loans 3.0 Quasi HL 14.0 Business Loan 20.0 Insurance Loans 3.0 Others 60.0
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 Tamil Nadu 13.0 Telangana 8.5 India 0 Karnataka 0 Andhra Pradesh 5.5 Others 73.0	Location Wise Break-Up Tamil Nadu 33.0 Telangana 16.0 India 0 Karnataka 8.0 Andhra Pradesh 42.0 Others 1.0
Customer Segment	Customer Segment Self-Employed 60.0 Salaried 40.0 Corporates and Others 0 Self Employed 0	Customer Segment Salaried 68.0 Self-Employed 0 Self Employed 32.0 Corporates and Others 0	Customer Segment Salaried 22.0 Self-Employed 0 Self Employed 78.0 Corporates and Others 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 NHB 16.0 Loan From Banks 0 NCD 3.0 NBFC 2.0 Banks 0 DA 14.0 PSU Banks 34.0 Assignment 0 Co-lending 3.0 Private Banks 26.0 Others 2.0	Borrowings Break-Up NHB 19.0 Loan From Banks 0 NCD 15.0 NBFC 0 Banks 52.0 DA 0 PSU Banks 0 Assignment 0 Co-lending 0 Private Banks 0 Others 14.0

Aavas Financiers Ltd.

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