Capital Trust Ltd.

Financial

	Capital Trust	Assam Entrade	Baid Finserv
Operational Metrics
Banking Sector
Net Interest Margin	24.2 %	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	25.0 %	n/a	n/a
NBFC
Cost of Borrowing	16.5 %	n/a	n/a
AUM - NBFC	167.0 Crs	n/a	n/a
Gross NPA	9.1 %	n/a	n/a
Net NPA	3.7 %	n/a	n/a
Financials
5 yr Average ROE	-3.44 %	3.1 %	6.69 %
5yr average Equity Multiplier	3.22	1.07	2.35
5yr Average Asset Turnover Ratio	0.3	0.1	0.16
5yr Avg Net Profit Margin	-4.46 %	29.41 %	17.3 %
5yr Avg Net Profit Margin	-4.46 %	n/a	17.3 %
5yr CAGR Net Profit	n/a	n/a	12.45 %
5yr CAGR Sales	-8.12 %	n/a	8.81 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.81	1.16	0.78
P/E	0.0	23.35	9.71
Shareholdings
Promoter Holding	54.13 %	53.18 %	36.25 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-12.82 %	0.0	14.76 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	Capital Trust	Assam Entrade	Baid Finserv
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 products 0 Fees and Commission Income 0 Dividend Income 0 Interest Income 0 Loan against property 0 Financing of Vehicles 0 Others 42.94	Product Wise Break-Up NBFC 65.62 0 Dividend Income 0 Mortgage and verification fee 0 Financing of Vehicles 0 Loan Processing fee 0 Loan against property 0 Fees and Commission Income 0 Sale of products 34.12 Others 0.26	Product Wise Break-Up Interest Income 0 0 Dividend Income 0 Mortgage and verification fee 0 Financing of Vehicles 32.74 Loan Processing fee 0 Loan against property 67.26 Fees and Commission Income 0 Sale of products 0
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 83.06 Corporate Banking 10.41 Banking 6.53 Cash credit facility from bank 0 Unsecured Term Loan 0 Debentures (Secured) 0	-	Borrowings Break-Up Corporate Banking 0 Banking 0 Cash credit facility from bank 0 Unsecured Term Loan 0 Financial Services 0 Debentures (Secured) 0 Others 100
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	-	-

Capital Trust Ltd.

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