Cholamandalam Investment and Finance Company Ltd.

Financial

	Chola Invest & Fin.	Mah & Mah Finl. Serv	IFCI
Operational Metrics
Banking Sector
Net Interest Margin	7.8 %	6.7 %	12.5 %
NBFC
Cost of Borrowing	6.9 %	n/a	9.1 %
AUM - NBFC	145572.0 Crs	97048.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	18.57 %	18.3 %	-70.7 %
Tier I Capital	15.1 %	16.5 %	-71.06 %
Gross NPA	3.54 %	4.0 %	49.1 %
Net NPA	2.32 %	1.5 %	76.0 %
Financials
5 yr Average ROE	16.97 %	9.6 %	-27.19 %
5yr average Equity Multiplier	7.89	5.85	4.61
5yr Average Asset Turnover Ratio	0.12	0.14	0.11
5yr Avg Net Profit Margin	17.36 %	11.88 %	-50.25 %
5yr Avg Net Profit Margin	17.36 %	11.88 %	-50.25 %
5yr CAGR Net Profit	17.34 %	2.55 %	-15.72 %
5yr CAGR Sales	13.01 %	4.36 %	-12.81 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	5.61	1.77	3.03
P/E	32.16	16.97	132.41
Shareholdings
Promoter Holding	50.35 %	52.16 %	70.32 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.27 %	0.0	9.3 %
Change in Mutual Fund Holding (3 Yrs)	-6.19 %	4.37 %	0.02 %

Business

	Chola Invest & Fin.	Mah & Mah Finl. Serv	IFCI
Product Wise Break-Up	Product Wise Break-Up Auto Loans 58.56 LAP 15.79 Home loans 9.27 Fees and commission income 0 Interest income 0 Sale of services 0 Dividend income 0 Rental income 0 Net gain on fair value changes 0 0 Others 16.38	-	Product Wise Break-Up Interest Income 25.62 Service 24.53 Auto Loans 0 LAP 0 Home loans 0 Rental Income 1.96 Dividend 8.06 Product Revenue 0.01 Net gain on fair value changes 12.47 Fee & Commission income 27.35
Location Wise Break-Up	Location Wise Break-Up South India 30.0 West India 24.0 East India 24.0 North India 22.0 Rest of the World 0 India 0 Central India 0	Location Wise Break-Up India 0 East India 21.0 North India 32.0 West India 17.0 Rest of the World 0 South India 20.0 Central India 10.0	Location Wise Break-Up India 100.0 East India 0 North India 0 West India 0 Rest of the World 0 South India 0 Central India 0
Operating Profit Break-Up	Operating Profit Break-Up Others 100	-	-
Borrowings Break-Up	Borrowings Break-Up Bank Loan 75.17 Securitisation 0 Perpetual Debt Instruments 0 Working Capital Demand Loans (incl CC) 0 Sub‐ordinated Debt 0 Commercial Papers 0 Non‐Convertible Debentures 0 Loans repayable on demand 0 Loans from corporates 0 Term loans 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 24.83	Borrowings Break-Up Working Capital Demand Loans (incl CC) 0 Infrastructure Bonds 0 Bank Loan 0 Subordinate Bonds 0 Public NCDs 0 Zero Coupon Bonds 0 Loans repayable on demand from banks 0.38 Private Placement Bonds 0 Non‐Convertible Debentures 0 Sub‐ordinated Debt 0 Loan from Body Corporates 0.97 Commercial Papers 0 NCDs 0 Tax Free Bonds 0 Foreign Currency(KFW Line) 0 Perpetual Debt Instruments 0 Securitisation 0 Loan From Banks 97.5 Others 1.15	Borrowings Break-Up Working Capital Demand Loans (incl CC) 0 Infrastructure Bonds 4.45 Bank Loan 32.01 Subordinate Bonds 8.11 Public NCDs 12.18 Zero Coupon Bonds 1.39 Loans repayable on demand 0 Private Placement Bonds 32.27 Non‐Convertible Debentures 0 Sub‐ordinated Debt 0 Loans from corporates 0 Commercial Papers 0 NCD 5.05 Tax Free Bonds 1.91 Foreign Currency Borrowings 2.63 Perpetual Debt Instruments 0 Securitisation 0 Term loans 0
AUM Break-Up - NBFC	AUM Break-Up - NBFC Auto Loans 60.0 Home loans 20.0 New Business 11.0 Home loans 9.0 SME 0 Pre-owned vehicles 0 0 Cars 0 Tractors 0 Auto/ Utility vehicles 0	AUM Break-Up - NBFC SME 3.0 4 Wheeler 19.0 Auto Loans 0 Pre-owned vehicles 16.0 Home loans 0 Tractor Segment 11.0 Utility Vehicles 39.0 Commercial Vehicles 11.0 New Business 0 Others 1.0	-
Asset Break-Up	Asset Break-Up Auto Loans 55.37 LAP 18.1 Home loans 8.12 Others 18.41	-	-

Cholamandalam Investment and Finance Company Ltd.

Cholamandalam Investment and Finance Company Ltd.

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