Capri Global Capital Ltd.

Financial

	Capri Global Capital	IFCI	SBFC Finance
Operational Metrics
Banking Sector
Fresh Slippages - Quarterly	40.01 Crs	59.2 Crs	n/a
Net Interest Margin	8.7 %	-5.9 %	10.12 %
NBFC
Cost To Income Ratio	58.3 %	n/a	57.19 %
Cost of Borrowing	9.4 %	9.1 %	9.35 %
AUM - NBFC	20662.9 Crs	n/a	8747.0 Crs
Capital to Risks Assets Ratio (CRAR)	22.9 %	-48.4 %	36.1 %
Tier I Capital	n/a	-48.36 %	n/a
Gross NPA	1.7 %	49.1 %	n/a
Net NPA	1.0 %	83.8 %	n/a
Tier I Capital	n/a	-48.36 %	n/a
Financials
5 yr Average ROE	8.9 %	-24.91 %	7.4 %
5yr average Equity Multiplier	3.56	4.53	3.21
5yr Average Asset Turnover Ratio	0.14	0.11	0.13
5yr Avg Net Profit Margin	18.71 %	-45.4 %	18.64 %
Price to Book	3.32	1.94	3.47
P/E	34.72	147.68	32.06
5yr Avg Cash Conversion Cycle	13.8 Days	n/a	4.55 Days
Inventory Days	0.0	n/a	0.0
Days Receivable	13.8 Days	n/a	4.55 Days
Days Payable	16.33 Days	n/a	0.0
5yr Average Interest Coverage Ratio	1.67	n/a	1.67
5yr Avg ROCE	9.04 %	n/a	8.66 %
5yr Avg Operating Profit Margin	63.97 %	n/a	64.91 %
5 yr average Debt to Equity	2.27	n/a	1.96
5yr CAGR Net Profit	11.58 %	n/a	29.73 %
5yr Average Return on Assets	2.55 %	n/a	2.39 %
Shareholdings
Promoter Holding	69.87 %	72.57 %	53.33 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-4.85 %	7.71 %	-10.72 %
Change in Mutual Fund Holding (3 Yrs)	1.65 %	0.08 %	4.77 %

Business

	Capri Global Capital	IFCI	SBFC Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 82.69 Fee & Commission income 10.05 Net gain on fair value changes 1.72 Fees and commission income 0 Sale of services 0 Dividend income 0 Rental income 0 0 Others 5.54	Product Wise Break-Up 0 Dividend 0.19 Rental Income 2.17 Interest Income 0 Fee & Commission income 0 Fee & Commission income 31.76 Service 23.35 Net gain on fair value changes 18.34 Others 24.19	-
Loan Break-Up	Loan Break-Up Gold Loan 62.6 Construction Finance 14.08 Home loans 8.61 Indirect Retail Lending 7.36 MSME Sector 7.35 Project Loan 0 STL 0 LAS 0 Corporate Loan 0 Unsecured Loan 0 Loan against Property 0 Loans against Gold 0 Secured MSME Loans 0	Loan Break-Up Home loans 0 LAS 1.54 Indirect Retail Lending 0 Gold Loan 0 MSME Sector 0 Corporate Banking 28.91 Unsecured Loan 0 Loans against Gold 0 Project Loan 32.49 Secured MSME Loans 0 Construction Finance 0 Loan against Property 0 STL 37.06	Loan Break-Up Home loans 0 LAS 0 Indirect Retail Lending 0 Gold Loan 0 MSME Sector 0 Corporate Loan 0 Unsecured Loan 0 Loans against Gold 17.0 Project Loan 0 Secured MSME Loans 83.0 Construction Finance 0 Loan against Property 0 STL 0
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	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 94.57 Loan From Banks 3.65 Debt Securities 1.46 From Banks (Overdraft) 0 Subordinate Bonds 0 NCDs 0 Private Placement Bonds 0 Tax Free Bonds 0 Foreign Currency(KFW Line) 0 Public NCDs 0 Infrastructure Bonds 0 Zero Coupon Bonds 0 Bank Loan 0 Others 0.32	Borrowings Break-Up Debt Securities 0 Tax Free Bonds 1.91 Private Placement Bonds 32.27 Foreign Currency Borrowings 2.63 Bank Loan 32.01 Zero Coupon Bonds 1.39 Subordinate Bonds 8.11 Public NCDs 12.18 Infrastructure Bonds 4.45 From Banks (Overdraft) 0 Loan From Banks 0 NCD 5.05	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Gold Loan 34.32 MSME Sector 24.04 Home loans 22.19 Construction Finance 18.11 Indirect Retail Lending 1.33 Others 0.01	-	-

Capri Global Capital Ltd.

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