IBL Finance Ltd.

Financial

	IBL Finance	Mangalam Indl. Fin.	Sonal Mercantile
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	5.71 %	-3.43 %	6.18 %
5yr average Equity Multiplier	1.55	1.0	1.87
5yr Average Asset Turnover Ratio	0.36	0.03	0.05
5yr Avg Net Profit Margin	8.96 %	-97.98 %	67.61 %
5yr Avg Net Profit Margin	8.96 %	-97.98 %	67.61 %
5yr CAGR Net Profit	n/a	n/a	30.07 %
5yr CAGR Sales	65.95 %	88.39 %	24.69 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.0	5.3	0.43
P/E	64.79	126.45	4.81
Shareholdings
Promoter Holding	63.21 %	60.3 %	24.92 %
Share Pledged by Promoters	0.0	1.64 %	0.0
Change in Promoter Holding (3 Yrs)	0.32 %	-14.24 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

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