Cholamandalam Financial Holdings Ltd.

Financial

	Cholamandalam Fin.	Sundaram Finance	Five Star Business
Operational Metrics
Unclassified
R&D as a % of Total Sales	0.65 %	n/a	n/a
Financials
5 yr Average ROE	15.54 %	14.42 %	13.8 %
5yr average Equity Multiplier	16.35	5.83	2.16
5yr Average Asset Turnover Ratio	0.16	0.11	0.19
5yr Avg Net Profit Margin	6.12 %	23.49 %	34.69 %
Price to Book	2.44	5.0	4.31
P/E	12.39	33.03	26.58
5yr Avg Cash Conversion Cycle	3.52 Days	n/a	n/a
Inventory Days	0.0	n/a	n/a
Days Receivable	3.52 Days	n/a	n/a
Days Payable	107.48 Days	n/a	n/a
5yr Average Interest Coverage Ratio	1.57	n/a	n/a
5yr Avg ROCE	10.55 %	n/a	n/a
5yr Avg Operating Profit Margin	51.89 %	n/a	n/a
5 yr average Debt to Equity	12.02	n/a	n/a
5yr CAGR Net Profit	13.12 %	n/a	n/a
5yr Average Return on Assets	0.95 %	n/a	n/a
Shareholdings
Promoter Holding	47.37 %	37.87 %	26.51 %
Share Pledged by Promoters	0.02 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.43 %	1.96 %	-8.36 %
Change in Mutual Fund Holding (3 Yrs)	-1.31 %	2.34 %	2.83 %

Business

	Cholamandalam Fin.	Sundaram Finance	Five Star Business
Product Wise Break-Up	Product Wise Break-Up Interest Income 71.63 Premium income (net of re-insurance) 19.8 Fee & Commission income 6.24 Net gain on fair value changes 2.23 Service Income 0.05 Dividend 0.05 0 Lease Rental 0 Dividend 0 Fees and Commission Income 0	Product Wise Break-Up Fee & Commission income 0 Fees and Commission 3.71 Lease Rental 2.02 Net gain on fair value changes 0 0 Dividend 0 Premium income (net of re-insurance) 0 Interest Income 84.24 Service Income 0 Others 10.03	-
Segment Break-Up	Segment Break-Up Financial Services 72.84 Insurance 27.12 Asset Financing 0 Others 0.04	Segment Break-Up Insurance 0 Financial Services 0 Asset Financing 91.25 Others 8.75	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 East India 0 West India 0 North India 0 South India 0	Location Wise Break-Up East India 4.4 West India 11.5 India 0 South India 56.2 North India 27.9	Location Wise Break-Up East India 0 West India 0 India 100.0 South India 0 North India 0
Borrowings Break-Up	Borrowings Break-Up Rupee Loans 91.48 External Commercial Borrowings 3.83 Loan From Banks 3.29 Foreign Currency Borrowings 1.13 WC Loans 0 NHB 0 Comercial paper 0 Securitisation Deposits 0 Bank Borrowing 0 Debenture 0 ECB 0 NCD 0 Bank Term Loans 0 Loans repayable on demand 0 Borrowings under Securitisation 0 Others 0.27	Borrowings Break-Up External Commercial Borrowings 0 WC Loans 0 Rupee Loans 0 Foreign Currency Borrowings 0 Comercial paper 10.9 Bank Borrowing 34.1 Loan From Banks 0 NCD 0 Securitisation 8.0 Bank Term Loans 0 Debenture 32.8 Loans repayable on demand 0 ECB 0 Borrowings under Securitisation 0 NHB 0 Others 14.2	Borrowings Break-Up External Commercial Borrowings 0 WC Loans 0 Rupee Loans 0 Foreign Currency Borrowings 0 Comercial paper 0 Bank Borrowing 0 Loan From Banks 0 Non-Convertible Debentures 5.0 Securitisation Deposits 0 Term Loans 66.0 Debenture 0 Loans repayable on demand 0 External commercial borrowing 1.0 Borrowings under Securitisation 21.0 NHB 0 Others 7.0
Profit Before Tax	Profit Before Tax Financial Services 84.85 Insurance 15.05 Others 0.1	-	-
Asset Break-Up	Asset Break-Up Others 100	-	-

Cholamandalam Financial Holdings Ltd.

Cholamandalam Financial Holdings Ltd.

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