Bajaj Housing Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	Bajaj Housing Financ	HDB Financial Services	Housing & Urban Dev.
Operational Metrics
Banks
Net NPA	0.12 %	1.27 %	n/a
Gross NPA	0.26 %	2.81 %	n/a
Net Interest Margin	4.0 %	7.9 %	2.98 %
Building Materials
Cost of Borrowing	7.4 %	6.1 %	7.04 %
NBFC
Capital to Risks Assets Ratio (CRAR)	26.12 %	21.82 %	38.03 %
AUM - NBFC	126749.0 Crs	111409.0 Crs	n/a
Tier I Capital	25.61 %	17.26 %	46.55 %
Yield On Advances	9.3 %	14.1 %	n/a
Financials
5 yr Average ROE	-10.03 %	12.8 %	12.53 %
5yr average Equity Multiplier	2.28	6.74	5.89
5yr Average Asset Turnover Ratio	0.02	0.17	0.09
5yr Avg Net Profit Margin	-440.3 %	11.81 %	24.82 %
5yr Avg Net Profit Margin	-440.3 %	11.81 %	24.82 %
5yr CAGR Net Profit	n/a	40.93 %	11.41 %
5yr CAGR Sales	n/a	8.24 %	7.59 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	4.23	3.13	2.53
P/E	37.96	27.85	16.26
Shareholdings
Promoter Holding	88.7 %	74.19 %	75.0 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.05 %	0.0	-6.81 %
Change in Mutual Fund Holding (3 Yrs)	-1.03 %	6.99 %	0.99 %

	Bajaj Housing Financ	HDB Financial Services	Housing & Urban Dev.
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
Borrowings Break-Up	Borrowings Break-Up Non-Convertible Debenture 50.6 Bank Borrowings 36.9 National Housing Bank Refinance 9.8 Commercial Paper 2.6 Deposits/ICD 0 Others 0.1	-	-
AUM Break-Up	AUM Break-Up Home loans 55.8 Lease rental discounting 20.4 Developer financing 11.9 Loans against property 10.5 Others 1.4	-	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	-	-