CSL Finance Ltd. benchmarking: Performance to industry peers

Financial

	CSL Finance	Moneyboxx Finance	Dhunseri Investments
Operational Metrics
Banks
Net Interest Margin	14.0 %	13.95 %	n/a
Capital to Risks Assets Ratio (CRAR)	43.1 %	26.68 %	n/a
NBFC
AUM - NBFC	1385.0 Crs	878.0 Crs	n/a
Gross NPA	1.0 %	n/a	n/a
Net NPA	0.75 %	n/a	n/a
Financials
5 yr Average ROE	12.05 %	1.18 %	6.91 %
5yr average Equity Multiplier	1.9	3.74	1.63
5yr Average Asset Turnover Ratio	0.16	0.18	0.09
5yr Avg Net Profit Margin	40.03 %	-9.87 %	54.28 %
5yr Avg Net Profit Margin	40.03 %	-9.87 %	n/a
5yr CAGR Net Profit	21.23 %	n/a	n/a
5yr CAGR Sales	28.42 %	78.48 %	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.95	2.03	0.19
P/E	6.41	0.0	0.0
Shareholdings
Promoter Holding	47.66 %	44.59 %	74.95 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.68 %	-14.02 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	CSL Finance	Moneyboxx Finance	Dhunseri Investments
Product Wise Break-Up	Product Wise Break-Up Interest Income 95.52 Fee Income 3.0 Loans written off earlier now recovered 1.47 Processing Fees Wholesale 0 Processing Fees SME 0 Processing Fees Retail 0 Fee and commission 0 Interest Income 0 Flexible Packaging Film 0 Tea Mfg Operations 0 Trading 0 Food and Beverages 0 Investments in Shares and Securities 0 Treasury Operations 0 Others 0.01	Product Wise Break-Up Tea Mfg Operations 0 Processing Fees Wholesale 0 Fee and commission 7.23 Flexible Packaging Film 0 Treasury Operations 0 Fee Income 0 Trading 0 Interest Income 88.33 Processing Fees Retail 0 Processing Fees SME 0 Food and Beverages 0 Investments in Shares and Securities 0 Loans written off earlier now recovered 0 Others 4.44	Product Wise Break-Up Tea Mfg Operations 0 Processing Fees Wholesale 0 Fee and commission 0 Flexible Packaging Film 86.41 Treasury Operations 10.12 Fee Income 0 Trading 0 Interest Income 0 Processing Fees Retail 0 Processing Fees SME 0 Food and Beverages 3.47 Investments in Shares and Securities 0 Loans written off earlier now recovered 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 South India 0 Bihar 0 Gujarat 0 Uttar Pradesh 0 Chattisgarh 0 Punjab 0 Madhya Pradesh 0 Rajasthan 0 Haryana 0 Singapore 0	Location Wise Break-Up Haryana 8.22 Gujarat 6.24 Chattisgarh 2.28 South India 8.81 Rajasthan 12.28 Singapore 0 Uttar Pradesh 16.83 Bihar 6.44 Punjab 9.11 Madhya Pradesh 29.01 India 0 Others 0.78	Location Wise Break-Up Haryana 0 Gujarat 0 Chattisgarh 0 South India 0 Rajasthan 0 Singapore 17.79 Uttar Pradesh 0 Bihar 0 Punjab 0 Madhya Pradesh 0 India 82.21
Retail Loan Break-Up - NBFC	Retail Loan Break-Up - NBFC Gujarat 28.0 Rajastan 28.0 Punjab 14.0 Haryana 13.0 Uttar Pradesh 10.0 Uttarakhand 5.0 Delhi 1.0 Others 1.0	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 68.47 Loans repayable on demand from banks 3.51 Loan Repayable on demand from Banks 0 Debentures 0 Term Loan 0 Others 28.02	-	Borrowings Break-Up Loans repayable on demand from banks 0 Debentures 0 Loan From Banks 91.87 Loan From Banks 0 Loan From Banks 8.13

CSL Finance Ltd.

CSL Finance Ltd.

Financial

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