Bajaj Housing Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	Bajaj Housing Financ	Housing & Urban Dev.	LIC Housing Finance
Operational Metrics
Banking Sector
Net NPA	0.13 %	n/a	n/a
Gross NPA	0.3 %	n/a	n/a
Net Interest Margin	4.0 %	2.94 %	2.68 %
Building Materials
Cost of Borrowing	7.7 %	7.07 %	7.5 %
NBFC
Capital to Risks Assets Ratio (CRAR)	26.94 %	41.72 %	23.2 %
AUM - NBFC	120420.0 Crs	n/a	n/a
Tier I Capital	26.43 %	46.55 %	21.7 %
Yield On Advances	9.5 %	n/a	n/a
Financials
5 yr Average ROE	-10.03 %	12.53 %	12.65 %
5yr average Equity Multiplier	2.28	5.89	9.92
5yr Average Asset Turnover Ratio	0.02	0.09	0.08
5yr Avg Net Profit Margin	-440.3 %	24.82 %	14.96 %
5yr Avg Net Profit Margin	-440.3 %	24.82 %	14.96 %
5yr CAGR Net Profit	n/a	11.41 %	14.71 %
5yr CAGR Sales	n/a	7.59 %	7.17 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	4.79	2.55	0.9
P/E	42.17	16.5	5.93
Shareholdings
Promoter Holding	88.7 %	75.0 %	45.24 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.05 %	-6.81 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-1.04 %	0.6 %	5.13 %

	Bajaj Housing Financ	Housing & Urban Dev.	LIC Housing Finance
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 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	-	-