Capital Trust Ltd. benchmarking: Performance to industry peers

Financial

	Capital Trust	TruCap Finance	Karnavati Finance
Operational Metrics
Banks
Net Interest Margin	24.2 %	7.0 %	n/a
Capital to Risks Assets Ratio (CRAR)	31.0 %	24.0 %	n/a
NBFC
Cost of Borrowing	16.2 %	13.0 %	n/a
AUM - NBFC	104.0 Crs	598.6 Crs	n/a
Gross NPA	9.1 %	5.5 %	n/a
Net NPA	3.7 %	3.4 %	n/a
Financials
5 yr Average ROE	1.89 %	1.82 %	1.49 %
5yr average Equity Multiplier	3.22	3.27	1.83
5yr Average Asset Turnover Ratio	0.3	0.19	0.1
5yr Avg Net Profit Margin	-4.46 %	-2.64 %	-23.86 %
5yr Avg Net Profit Margin	-4.46 %	n/a	n/a
5yr CAGR Net Profit	n/a	n/a	n/a
5yr CAGR Sales	-8.12 %	n/a	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.36	0.68	1.59
P/E	0.0	0.0	0.0
Shareholdings
Promoter Holding	54.13 %	30.96 %	58.94 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-12.82 %	-29.29 %	0.3 %
Change in Mutual Fund Holding (3 Yrs)	0.0	-0.07 %	0.0

Business

	Capital Trust	TruCap Finance	Karnavati Finance
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 Net gain on fair value changes 0 Fees and commission income 0 Interest Income 0 Financing Activity 0 Others 42.94	Product Wise Break-Up Financing Activity 0 Loan Processing fee 0 0 Mortgage and verification fee 0 Net gain on fair value changes 0.01 Interest Income 97.32 Fee & Commission income 2.67	Product Wise Break-Up Financing Activity 100.0 Loan Processing fee 0 0 Mortgage and verification fee 0 Net gain on fair value changes 0 Interest Income 0 Fees and commission income 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 Domestic 0 India(Domestic) 0 Others 12.87	Location Wise Break-Up Punjab 0 Odisha 0 Madhya Pradesh 0 Uttarakhand 0 Bihar 0 India(Domestic) 0 Rajasthan 0 Domestic 100.0 Uttar Pradesh 0	Location Wise Break-Up Punjab 0 Odisha 0 Madhya Pradesh 0 Uttarakhand 0 Bihar 0 India 100.0 Rajasthan 0 Domestic 0 Uttar Pradesh 0
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 Salaried 0 Healthcare 0 Consumer 0 Construction 0 Education 0 Others 0.1	Verticals Services 0 Consumer 15.0 Healthcare 8.0 Salaried 12.0 Construction 7.0 Trading 0 Education 15.0 Food Products 0 Dairy and Livestock 0 Agricultural 0 Retail 0 Manufacturing 17.0 Others 26.0	-
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	-	-
AUM Break-Up	AUM Break-Up Capital Digital Loans 80.0 Legacy Portfolio 20.0 Loan Against Property 0 Gold Loan 0 Co-Lending 0 Personal Loan 0 MSME Loan 0	AUM Break-Up Personal Loan 0 Gold Loan 34.0 MSME Loan 46.0 Loan Against Property 0 Co-Lending 0 Legacy Portfolio 0 Capital Digital Loans 0 Others 20.0	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	-	-

Capital Trust Ltd.

Capital Trust Ltd.

Financial

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