GIC Housing Finance Ltd.

Financial

	GIC Housing Fin	SRG Housing	Reliance Home Financ
Operational Metrics
Banking Sector
Net Interest Margin	3.13 %	10.63 %	3.8 %
NBFC
Cost To Income Ratio	67.77 %	67.47 %	35.0 %
Cost of Borrowing	8.01 %	11.11 %	9.0 %
Capital to Risks Assets Ratio (CRAR)	33.56 %	47.75 %	-3992.56 %
Gross NPA	1.76 %	1.84 %	0.9 %
Net NPA	2.69 %	0.61 %	41.03 %
Financials
5 yr Average ROE	10.77 %	17.6 %	-878.44 %
5yr average Equity Multiplier	6.62	4.03	-48.31
5yr Average Asset Turnover Ratio	0.1	0.19	1.71
5yr Avg Net Profit Margin	16.18 %	22.39 %	-132.59 %
5yr Avg Net Profit Margin	16.18 %	22.39 %	-132.59 %
5yr CAGR Net Profit	-2.7 %	3.22 %	140.45 %
5yr CAGR Sales	-1.55 %	11.77 %	36.36 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.54	1.87	0.0
P/E	6.63	20.25	11.54
Shareholdings
Promoter Holding	42.41 %	59.13 %	0.74 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-5.83 %	-48.84 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	GIC Housing Fin	SRG Housing	Reliance Home Financ
Product Wise Break-Up	Product Wise Break-Up Interest Income 98.29 Fee and commission 0.48 Dividend income 0 Fee & Commission 0 NBFC 0 Fees and Commission Income 0 Others 1.23	Product Wise Break-Up Net gain On Derecognition of Financial Instrument Under Amortized Cost 7.01 Fees and Commission Income 0 Fee and commission 0 Dividend income 0 NBFC 0 Interest Income 86.46 Others 6.53	Product Wise Break-Up Fee & Commission 0 Fees and Commission Income 0 Fee and commission 0 Dividend income 0 NBFC 0 Interest Income 100.0
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Loan From Banks 85.78 National Housing Bank 8.17 Short Term Banks From Loans 4.9 Debenture 0 Commercial papers 0 From Insurance Company 0 Others 1.15	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 Maharashtra 0 Gujarat 0 Madhya Pradesh 0 Rajasthan 0	Location Wise Break-Up Gujarat 39.11 Rajasthan 44.47 India 0 Maharashtra 0 Rest of the World 0 Madhya Pradesh 8.74 Others 7.68	Location Wise Break-Up Gujarat 0 Rajasthan 0 India 100.0 Maharashtra 0 Rest of the World 0 Madhya Pradesh 0
AUM Break-Up - NBFC	AUM Break-Up - NBFC Home loans 100.0	-	-