Capri Global Capital Ltd. benchmarking: Perfomance to industry peers

Financial

	Capri Global Capital	Five Star Business	CreditAccess Grameen
Operational Metrics
Banks
Fresh Slippages - Quarterly	46.13 Crs	n/a	n/a
Net Interest Margin	9.5 %	16.41 %	13.3 %
NBFC
Cost To Income Ratio	49.4 %	39.17 %	32.5 %
Cost of Borrowing	9.6 %	n/a	9.6 %
AUM - NBFC	27040.1 Crs	12850.0 Crs	25904.0 Crs
Capital to Risks Assets Ratio (CRAR)	32.9 %	51.04 %	26.1 %
Tier I Capital	n/a	69.93 %	25.2 %
Gross NPA	1.3 %	2.64 %	3.65 %
Net NPA	0.7 %	n/a	1.26 %
Tier I Capital	n/a	69.93 %	25.2 %
Financials
5 yr Average ROE	9.02 %	11.63 %	11.59 %
5yr average Equity Multiplier	3.98	2.32	4.33
5yr Average Asset Turnover Ratio	0.13	0.18	0.17
5yr Avg Net Profit Margin	17.15 %	29.63 %	15.77 %
Price to Book	2.75	2.68	3.03
P/E	25.63	16.5	162.58
5yr Avg Cash Conversion Cycle	10.98 Days	n/a	0.0
Inventory Days	0.0	n/a	0.0
Days Receivable	10.98 Days	n/a	0.0
Days Payable	0.0	n/a	23.77 Days
5yr Average Interest Coverage Ratio	1.61	n/a	1.61
5yr Avg ROCE	9.47 %	n/a	11.98 %
5yr Avg Operating Profit Margin	62.0 %	n/a	57.58 %
5 yr average Debt to Equity	2.63	n/a	3.1
5yr CAGR Net Profit	22.01 %	n/a	31.72 %
5yr Average Return on Assets	2.27 %	n/a	2.63 %
Shareholdings
Promoter Holding	59.95 %	18.57 %	66.37 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-14.73 %	-16.3 %	-7.37 %
Change in Mutual Fund Holding (3 Yrs)	6.46 %	7.21 %	0.88 %

Business

	Capri Global Capital	Five Star Business	CreditAccess Grameen
Product Wise Break-Up	Product Wise Break-Up Interest Income 78.96 Fee & Commission income 9.46 Net gain on fair value changes 0.41 Dividend income 0 Fees and commission 0 Others 11.17	-	Product Wise Break-Up Dividend income 0 Fee & Commission income 1.87 Interest Income 0 Fee & Commission income 0 Net gain on fair value changes 0.55 Others 97.58
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	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Madhya pradesh 0 Tamil Nadu 0 Maharashtra 0 Karnataka 0	Location Wise Break-Up Karnataka 0 Madhya pradesh 0 India 100.0 Maharashtra 0 Tamil Nadu 0	Location Wise Break-Up Karnataka 30.5 Madhya Pradesh 8.28 India 0 Maharashtra 21.88 Tamil Nadu 18.47 Others 20.87
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 94.03 Debt Securities 3.27 Loan From Banks 2.53 From Banks (Overdraft) 0 ECB 0 NCD 0 Bank Term Loans 0 Loans repayable on demand 0 Borrowings under Securitisation 0 External commercial borrowings 0 Non-banking financial companies 0 Financial institutions 0 Banks 0 Others 0.17	Borrowings Break-Up Non-Convertible Debentures 9.9 Loans repayable on demand 0 Debt Securities 0 External commercial borrowing 0.99 Banks 0 Non-banking financial companies 0 Term Loans 57.43 Borrowings under Securitisation 14.85 External commercial borrowings 0 Loan From Banks 0 Financial institutions 0 From Banks (Overdraft) 0 Others 16.83	Borrowings Break-Up NCD 0 Loans repayable on demand 0 Debt Securities 0 ECB 0 Banking 64.29 NBFC 2.45 Bank Term Loans 0 Borrowings under Securitisation 0 External Commercial Borrowings 22.48 Loan From Banks 0 Financial Services 9.49 From Banks (Overdraft) 0 Others 1.29
AUM Break-Up - NBFC	AUM Break-Up - NBFC Gold Loan 38.49 Home loans 22.09 MSME Sector 20.72 Construction Finance 18.38 Indirect Retail Lending 0 Retail Finance 0 Emergency Loans 0 Home Improvement Loans 0 Family Welfare Loans 0 Income Generation Loans 0 Others 0.32	-	AUM Break-Up - NBFC Home loans 0 Indirect Retail Lending 0 Gold Loan 0 Consumer Finance 11.08 Home loans 2.76 Family Welfare Loans 0.92 Emergency Loans 0.01 Income Generation Loans 85.23 Construction Finance 0 MSME Sector 0

Capri Global Capital Ltd.

Capri Global Capital Ltd.

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