Capri Global Capital Ltd. benchmarking: Performance to industry peers

Financial

	Capri Global Capital	CreditAccess Grameen	IFCI
Operational Metrics
Banks
Fresh Slippages - Quarterly	46.13 Crs	n/a	59.2 Crs
Net Interest Margin	9.2 %	14.2 %	-5.9 %
NBFC
Cost To Income Ratio	49.4 %	30.4 %	n/a
Cost of Borrowing	9.2 %	9.2 %	9.1 %
AUM - NBFC	36623.3 Crs	29590.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	25.8 %	24.4 %	-48.4 %
Tier I Capital	n/a	23.6 %	-48.36 %
Gross NPA	0.9 %	3.17 %	49.1 %
Net NPA	0.5 %	1.12 %	83.8 %
Tier I Capital	n/a	23.6 %	-48.36 %
Financials
5 yr Average ROE	9.02 %	11.59 %	0.85 %
5yr average Equity Multiplier	3.98	4.33	4.33
5yr Average Asset Turnover Ratio	0.13	0.17	0.1
5yr Avg Net Profit Margin	17.15 %	15.77 %	-41.97 %
Price to Book	2.7	2.58	2.4
P/E	20.5	26.06	118.61
5yr Avg Cash Conversion Cycle	10.98 Days	0.0	n/a
Inventory Days	0.0	0.0	n/a
Days Receivable	10.98 Days	0.0	n/a
Days Payable	0.0	23.77 Days	n/a
5yr Average Interest Coverage Ratio	1.61	1.61	n/a
5yr Avg ROCE	9.47 %	11.98 %	n/a
5yr Avg Operating Profit Margin	62.0 %	57.58 %	n/a
5 yr average Debt to Equity	2.63	3.1	n/a
5yr CAGR Net Profit	22.01 %	31.72 %	n/a
5yr Average Return on Assets	2.27 %	2.63 %	n/a
Shareholdings
Promoter Holding	59.92 %	66.24 %	72.57 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-9.99 %	-7.44 %	6.22 %
Change in Mutual Fund Holding (3 Yrs)	5.49 %	-0.25 %	0.12 %

Business

	Capri Global Capital	CreditAccess Grameen	IFCI
Product Wise Break-Up	Product Wise Break-Up Interest Income 78.48 Fee & Commission income 13.05 Net gain on fair value changes 0 Dividend income 0 Fees and commission 0 Fees and commission income 0 Sale of services 0 Rental income 0 0 Others 8.47	Product Wise Break-Up Fee & Commission income 0 Fee & Commission income 2.25 0 Sale of services 0 Interest Income 0 Dividend income 0 Rental income 0 Net gain on fair value changes 0.54 Fees and commission income 0 Others 97.21	Product Wise Break-Up Fee & Commission income 0 Fees and commission 0 0 Service 7.99 Interest Income 0 Dividend 0.67 Rental Income 2.4 Net gain on fair value changes 12.3 Fee & Commission income 38.63 Others 38.01
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 Corporate Banking 28.91 Project Loan 32.49 Construction Finance 0 LAS 1.54 Home loans 0 MSME Sector 0 Gold Loan 0 Indirect Retail Lending 0 STL 37.06
Location Wise Break-Up	Location Wise Break-Up India 100.0 Madhya pradesh 0 Tamil Nadu 0 Maharashtra 0 Karnataka 0 Rest of the World 0	Location Wise Break-Up Maharashtra 22.02 Madhya Pradesh 8.38 India 0 Karnataka 30.07 Tamil Nadu 18.07 Rest of the World 0 Others 21.46	Location Wise Break-Up Maharashtra 0 Madhya pradesh 0 India 100.0 Karnataka 0 Tamil Nadu 0 Rest of the World 0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 94.03 Debt Securities 3.27 Loan From Banks 2.53 From Banks (Overdraft) 0 External commercial borrowings 0 Non-banking financial companies 0 Financial institutions 0 Banks 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 0.17	Borrowings Break-Up Bank Loan 0 Loan From Banks 0 Subordinate Bonds 0 Private Placement Bonds 0 NCDs 0 Foreign Currency(KFW Line) 0 Financial Services 9.49 Debt Securities 0 Banking 64.29 Public NCDs 0 Infrastructure Bonds 0 From Banks (Overdraft) 0 External Commercial Borrowings 22.48 NBFC 2.45 Zero Coupon Bonds 0 Tax Free Bonds 0 Others 1.29	Borrowings Break-Up Bank Loan 32.01 Loan From Banks 0 Subordinate Bonds 8.11 Private Placement Bonds 32.27 NCD 5.05 Foreign Currency Borrowings 2.63 Financial institutions 0 Debt Securities 0 Banks 0 Public NCDs 12.18 Infrastructure Bonds 4.45 From Banks (Overdraft) 0 External commercial borrowings 0 Non-banking financial companies 0 Zero Coupon Bonds 1.39 Tax Free Bonds 1.91
AUM Break-Up - NBFC	AUM Break-Up - NBFC Gold Loan 46.32 Home loans 20.33 MSME Sector 17.71 Construction Finance 15.59 Indirect Retail Lending 0 Retail Finance 0 Emergency Loans 0 Home Improvement Loans 0 Family Welfare Loans 0 Income Generation Loans 0 Others 0.05	AUM Break-Up - NBFC Income Generation Loans 82.2 Family Welfare Loans 0.59 Home loans 3.1 Emergency Loans 0.03 Construction Finance 0 Consumer Finance 14.08 Home loans 0 MSME Sector 0 Gold Loan 0 Indirect Retail Lending 0	-

Capri Global Capital Ltd.

Capri Global Capital Ltd.

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