Capri Global Capital Ltd.

Financial

	Capri Global Capital	IFCI	CreditAccess Grameen
Operational Metrics
Banking Sector
Fresh Slippages - Quarterly	40.01 Crs	59.2 Crs	n/a
Net Interest Margin	8.8 %	-5.9 %	12.7 %
NBFC
Cost To Income Ratio	54.8 %	n/a	31.8 %
Cost of Borrowing	9.5 %	9.1 %	9.8 %
AUM - NBFC	22857.3 Crs	n/a	25948.0 Crs
Capital to Risks Assets Ratio (CRAR)	22.8 %	-48.4 %	25.4 %
Tier I Capital	n/a	-48.36 %	24.5 %
Gross NPA	1.5 %	49.1 %	4.76 %
Net NPA	0.9 %	83.8 %	1.73 %
Tier I Capital	n/a	-48.36 %	24.5 %
Financials
5 yr Average ROE	8.9 %	-24.91 %	12.5 %
5yr average Equity Multiplier	3.56	4.53	4.45
5yr Average Asset Turnover Ratio	0.14	0.11	0.15
5yr Avg Net Profit Margin	18.71 %	-45.4 %	17.84 %
Price to Book	3.79	1.86	2.62
P/E	34.08	94.41	34.24
5yr Avg Cash Conversion Cycle	13.8 Days	n/a	n/a
Inventory Days	0.0	n/a	n/a
Days Receivable	13.8 Days	n/a	n/a
Days Payable	0.0	n/a	n/a
5yr Average Interest Coverage Ratio	1.67	n/a	n/a
5yr Avg ROCE	9.04 %	n/a	n/a
5yr Avg Operating Profit Margin	63.97 %	n/a	n/a
5 yr average Debt to Equity	2.27	n/a	n/a
5yr CAGR Net Profit	11.58 %	n/a	n/a
5yr Average Return on Assets	2.55 %	n/a	n/a
Shareholdings
Promoter Holding	69.87 %	72.57 %	66.43 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-4.85 %	7.71 %	-7.42 %
Change in Mutual Fund Holding (3 Yrs)	1.65 %	0.08 %	-0.24 %

Business

	Capri Global Capital	IFCI	CreditAccess Grameen
Product Wise Break-Up	Product Wise Break-Up Interest Income 77.22 Fee & Commission income 10.69 Net gain on fair value changes 1.91 Fees and commission income 0 Sale of services 0 Dividend income 0 Rental income 0 0 Fees and commission 0 Others 10.18	Product Wise Break-Up Service 23.6 Rental Income 2.76 Fee & Commission income 0 0 Fee & Commission income 38.76 Net gain on fair value changes 0 Dividend 0.58 Interest Income 0 Fees and commission 0 Others 34.3	Product Wise Break-Up Sale of services 0 Rental income 0 Fee & Commission income 0 0 Fees and commission income 0 Net gain on fair value changes 0.85 Dividend income 0 Interest Income 0 Fee & Commission income 2.3 Others 96.85
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	Loan Break-Up Project Loan 32.49 Indirect Retail Lending 0 LAS 1.54 Corporate Banking 28.91 Construction Finance 0 Gold Loan 0 MSME Sector 0 STL 37.06 Home loans 0	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 Madhya pradesh 0 Tamil Nadu 0 Maharashtra 0 Karnataka 0	Location Wise Break-Up Rest of the World 0 Tamil Nadu 0 India 100.0 Maharashtra 0 Karnataka 0 Madhya pradesh 0	Location Wise Break-Up Rest of the World 0 Tamil Nadu 18.98 India 0 Maharashtra 21.49 Karnataka 31.09 Madhya Pradesh 8.05 Others 20.39
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 External commercial borrowings 0 Non-banking financial companies 0 Financial institutions 0 Banks 0 Others 0.32	Borrowings Break-Up Infrastructure Bonds 4.45 Subordinate Bonds 8.11 Zero Coupon Bonds 1.39 NCD 5.05 Loan From Banks 0 Banks 0 Private Placement Bonds 32.27 Non-banking financial companies 0 Public NCDs 12.18 External commercial borrowings 0 Financial institutions 0 Tax Free Bonds 1.91 From Banks (Overdraft) 0 Debt Securities 0 Bank Loan 32.01 Foreign Currency Borrowings 2.63	Borrowings Break-Up Infrastructure Bonds 0 Subordinate Bonds 0 Zero Coupon Bonds 0 NCDs 0 Loan From Banks 0 Banking 65.77 Private Placement Bonds 0 NBFC 3.25 Public NCDs 0 External Commercial Borrowings 18.65 Financial Services 12.23 Tax Free Bonds 0 From Banks (Overdraft) 0 Debt Securities 0 Bank Loan 0 Foreign Currency(KFW Line) 0 Others 0.1
AUM Break-Up - NBFC	AUM Break-Up - NBFC Gold Loan 35.18 MSME Sector 23.09 Home loans 22.76 Construction Finance 18.08 Indirect Retail Lending 0.88 Retail Finance 0 Emergency Loans 0 Home Improvement Loans 0 Family Welfare Loans 0 Income Generation Loans 0 Others 0.01	-	AUM Break-Up - NBFC Home loans 4.21 Consumer Finance 5.92 Income Generation Loans 89.21 Emergency Loans 0 Indirect Retail Lending 0 Family Welfare Loans 0.66 Construction Finance 0 Gold Loan 0 MSME Sector 0 Home loans 0

Capri Global Capital Ltd.

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