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	9.7 %	14.4 %	-5.9 %
NBFC
Cost To Income Ratio	44.2 %	29.3 %	n/a
Cost of Borrowing	9.1 %	9.2 %	9.1 %
AUM - NBFC	401116.0 Crs	30319.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	24.7 %	24.9 %	-48.4 %
Tier I Capital	n/a	24.2 %	-48.36 %
Gross NPA	1.1 %	2.18 %	49.1 %
Net NPA	0.6 %	0.76 %	83.8 %
Tier I Capital	n/a	24.2 %	-48.36 %
Financials
5 yr Average ROE	9.02 %	12.84 %	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 %	17.25 %	-41.97 %
Price to Book	3.27	3.24	2.12
P/E	20.89	20.97	104.81
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	0.0	n/a
5yr Average Interest Coverage Ratio	1.61	1.68	n/a
5yr Avg ROCE	9.47 %	13.54 %	n/a
5yr Avg Operating Profit Margin	62.0 %	58.11 %	n/a
5 yr average Debt to Equity	2.63	3.11	n/a
5yr CAGR Net Profit	22.01 %	17.11 %	n/a
5yr Average Return on Assets	2.27 %	2.93 %	n/a
Shareholdings
Promoter Holding	59.92 %	66.21 %	72.57 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-9.99 %	-0.56 %	2.25 %
Change in Mutual Fund Holding (3 Yrs)	5.49 %	-0.07 %	0.14 %

Business

	Capri Global Capital	CreditAccess Grameen	IFCI
Product Wise Break-Up	Product Wise Break-Up Interest Income 83.91 Fee & Commission income 9.86 Net gain on fair value changes 4.13 Dividend income 0 Fees and commission 0 Fees and commission income 0 Sale of services 0 Rental income 0 0 Others 2.1	Product Wise Break-Up Interest Income 0 Fee & Commission income 0 Dividend income 0 Sale of services 0 0 Fees and commission income 0 Fee & Commission income 1.93 Rental income 0 Net gain on fair value changes 0.75 Others 97.32	Product Wise Break-Up Interest Income 0 Fee & Commission income 0 Dividend 0.67 Service 7.99 0 Fee & Commission income 38.63 Fees and commission 0 Rental Income 2.4 Net gain on fair value changes 12.3 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 Gold Loan 0 Corporate Banking 28.91 LAS 1.54 Indirect Retail Lending 0 MSME Sector 0 Construction Finance 0 Project Loan 32.49 STL 37.06 Home loans 0
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 Madhya Pradesh 8.68 Rest of the World 0 Karnataka 24.47 Tamil Nadu 17.25 Maharashtra 22.04 India 0 Others 27.56	Location Wise Break-Up Madhya pradesh 0 Rest of the World 0 Karnataka 0 Tamil Nadu 0 Maharashtra 0 India 100.0
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 From Banks (Overdraft) 0 Loan From Banks 0 Foreign Currency(KFW Line) 0 NCDs 0 Public NCDs 0 Infrastructure Bonds 0 External Commercial Borrowings 26.16 Bank Loan 0 Zero Coupon Bonds 0 Debt Securities 0 Banking 60.26 Tax Free Bonds 0 Financial Services 5.25 Private Placement Bonds 0 NBFC 2.78 Subordinate Bonds 0 Others 5.55	Borrowings Break-Up From Banks (Overdraft) 0 Loan From Banks 0 Foreign Currency Borrowings 2.63 NCD 5.05 Public NCDs 12.18 Infrastructure Bonds 4.45 External commercial borrowings 0 Bank Loan 32.01 Zero Coupon Bonds 1.39 Debt Securities 0 Banks 0 Tax Free Bonds 1.91 Financial institutions 0 Private Placement Bonds 32.27 Non-banking financial companies 0 Subordinate Bonds 8.11
AUM Break-Up - NBFC	AUM Break-Up - NBFC Gold Loan 47.81 Home loans 19.48 MSME Sector 16.9 Construction Finance 15.78 Indirect Retail Lending 0 Retail Finance 0 Emergency Loans 0 Home Improvement Loans 0 Family Welfare Loans 0 Income Generation Loans 0 Others 0.03	AUM Break-Up - NBFC Family Welfare Loans 0.59 Gold Loan 0 Emergency Loans 0.03 Indirect Retail Lending 0 MSME Sector 0 Construction Finance 0 Income Generation Loans 82.2 Consumer Finance 14.08 Home loans 0 Home loans 3.1	-

Capri Global Capital Ltd.

Capri Global Capital Ltd.

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