Capital Trust Ltd.

Financial

	Capital Trust	Sonal Mercantile	Credent Global Fin.
Operational Metrics
Banking Sector
Net Interest Margin	24.2 %	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	32.7 %	n/a	n/a
NBFC
Cost of Borrowing	16.5 %	n/a	n/a
AUM - NBFC	241.0 Crs	n/a	n/a
Gross NPA	4.4 %	n/a	n/a
Net NPA	1.0 %	n/a	n/a
Financials
5 yr Average ROE	-3.44 %	6.18 %	14.58 %
5yr average Equity Multiplier	3.22	1.87	1.89
5yr Average Asset Turnover Ratio	0.3	0.05	0.2
5yr Avg Net Profit Margin	-4.46 %	67.61 %	35.5 %
5yr Avg Net Profit Margin	-4.46 %	67.61 %	35.5 %
5yr CAGR Net Profit	n/a	30.07 %	5.2 %
5yr CAGR Sales	-8.12 %	24.69 %	46.38 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.4	0.44	1.87
P/E	107.18	4.81	0.0
Shareholdings
Promoter Holding	64.68 %	24.92 %	31.09 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-2.27 %	0.0	-26.56 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	Capital Trust	Sonal Mercantile	Credent Global Fin.
Product Wise Break-Up	Product Wise Break-Up Interest Income 56.91 Interest Income 0.15 Mortgage and verification fee 0 0 Loan Processing fee 0 Sale of service 0 Interest on loans 0 Others 42.94	Product Wise Break-Up Sale of service 0 0 Interest Income 0 Mortgage and verification fee 0 Loan Processing fee 0 Interest on loans 0 Others 100	Product Wise Break-Up Sale of service 51.17 0 Interest Income 0 Mortgage and verification fee 0 Loan Processing fee 0 Interest on loans 39.38 Others 9.45
Location Wise Break-Up	Location Wise Break-Up Bihar 38.59 Uttar Pradesh 17.84 Odisha 13.28 Madhya Pradesh 10.37 Rajasthan 7.05 Punjab 0 Uttarakhand 0 Others 12.87	-	-
Verticals	Verticals Dairy and Livestock 46.4 Retail 17.2 Services 16.1 Manufacturing 8.8 Trading 6.5 Food Products 2.7 Agricultural 2.2 Others 0.1	-	-
Borrowings Break-Up	Borrowings Break-Up Financial Services 81.12 Banking 16.1 Corporate Banking 2.79 Cash credit facility from bank 0 Unsecured Term Loan 0 Debentures (Secured) 0	-	-
AUM Break-Up	AUM Break-Up Capital Digital Loans 80.0 Legacy Portfolio 20.0	-	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	-	-