CSL Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	CSL Finance	Kiran Vyapar	MKVentures Cap
Operational Metrics
Banking Sector
Net Interest Margin	14.0 %	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	46.04 %	n/a	n/a
NBFC
AUM - NBFC	1249.0 Crs	n/a	n/a
Gross NPA	0.56 %	n/a	n/a
Net NPA	0.42 %	0.01 %	n/a
Financials
5 yr Average ROE	12.05 %	4.2 %	34.22 %
5yr average Equity Multiplier	1.9	1.13	4.21
5yr Average Asset Turnover Ratio	0.16	0.07	0.42
5yr Avg Net Profit Margin	40.03 %	49.33 %	48.84 %
5yr Avg Net Profit Margin	40.03 %	49.33 %	48.84 %
5yr CAGR Net Profit	21.23 %	n/a	36.67 %
5yr CAGR Sales	28.42 %	2.91 %	24.08 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.27	0.28	5.37
P/E	9.17	13.02	64.19
Shareholdings
Promoter Holding	47.56 %	74.96 %	74.36 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.77 %	0.0	-9.3 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	CSL Finance	Kiran Vyapar	MKVentures Cap
Product Wise Break-Up	Product Wise Break-Up Interest Income 94.15 Fee Income 4.26 Loans written off earlier now recovered 1.59 Processing Fees Wholesale 0 Processing Fees SME 0 Processing Fees Retail 0 Generation based incentives 0 Sale of power 0 Sale of services 0 Sale of goods 0 Net gain on fair value changes 0 Dividend income 0 Interest income 0 0	Product Wise Break-Up Fee Income 0 Dividend 2.98 Sale of power 0 Sale of services 0 Processing Fees SME 0 Loans written off earlier now recovered 0 0 Processing Fees Wholesale 0 Interest Income 0 Interest Income 51.58 Generation based incentives 0 Net gain on fair value changes 30.39 Processing Fees Retail 0 Sale of goods 0 Others 15.05	Product Wise Break-Up Fee Income 0 Dividend income 0 Sale of power 0 Sale of services 0 Processing Fees SME 0 Loans written off earlier now recovered 0 Fund based activities including investment activities (NBFC) 100.0 Processing Fees Wholesale 0 Interest Income 0 Interest income 0 Generation based incentives 0 Net gain on fair value changes 0 Processing Fees Retail 0 Sale of goods 0
Loan Break-Up	Loan Break-Up Wholesales Book 69.0 Small & Medium Enterprises (SME) loans 31.0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Domestic 0	Location Wise Break-Up India 100.0 Domestic 0	Location Wise Break-Up India 0 India 100.0
Retail Loan Break-Up - NBFC	Retail Loan Break-Up - NBFC Rajastan 29.0 Gujarat 28.0 Punjab 14.0 Haryana 12.0 Uttar Pradesh 8.0 Uttarakhand 6.0 Delhi 2.0 Others 1.0	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 68.47 Loans repayable on demand from banks 3.51 Others 28.02	-	-

CSL Finance Ltd.

CSL Finance Ltd.

Financial

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