IBL Finance Ltd.

Financial

	IBL Finance	Standard Cap Mkt	Mangalam Indl. Fin.
Operational Metrics
Banking Sector
Gross NPA	75.77 %	n/a	n/a
Net NPA	3.94 %	n/a	n/a
NBFC
Tier I Capital	114.8 %	n/a	n/a
Cost To Income Ratio	55.23 %	n/a	n/a
AUM - NBFC	14.61 Crs	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	114.8 %	n/a	n/a
Financials
5 yr Average ROE	5.37 %	-2.58 %	-3.43 %
5yr average Equity Multiplier	1.63	2.09	1.0
5yr Average Asset Turnover Ratio	0.32	0.06	0.03
5yr Avg Net Profit Margin	10.8 %	-35.12 %	-97.98 %
5yr Avg Net Profit Margin	10.8 %	-35.12 %	-97.98 %
5yr CAGR Net Profit	n/a	n/a	n/a
5yr CAGR Sales	63.14 %	149.55 %	88.39 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.64	0.43	5.06
P/E	65.62	3.73	120.99
Shareholdings
Promoter Holding	63.21 %	9.58 %	60.3 %
Share Pledged by Promoters	0.0	0.0	1.64 %
Change in Promoter Holding (3 Yrs)	0.32 %	-12.2 %	-14.24 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	IBL Finance	Standard Cap Mkt	Mangalam Indl. Fin.
Product Wise Break-Up	Product Wise Break-Up Interest Income 88.93 Reversal of Impairment 0 Loan, Documentation Chatges 0 Dividend Income 0 Interest income 0 Others 11.07	Product Wise Break-Up Loan, Documentation Chatges 0 Dividend Income 0 Interest income 0 Reversal of Impairment 0 Interest Income 0 Others 100	Product Wise Break-Up Loan, Documentation Chatges 1.32 Dividend Income 0 Interest income 89.11 Reversal of Impairment 0 Interest Income 0 Others 9.57
Segment Break-Up	Segment Break-Up Personal Loan 100.0 Other Monetary intermediation Services 0	-	Segment Break-Up Personal Loan 0 Financial Services 99.63 Others 0.37