IFCI Ltd.

Financial

	IFCI	Capri Global Capital	CreditAccess Grameen
Operational Metrics
Banking Sector
Net Interest Margin	-5.9 %	8.8 %	12.7 %
Fresh Slippages - Quarterly	59.2 Crs	40.01 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	-48.4 %	22.8 %	25.4 %
Tier I Capital	-48.36 %	n/a	24.5 %
Yield On Advances	12.02 %	n/a	n/a
NBFC
Cost of Borrowing	9.1 %	9.5 %	9.8 %
Gross NPA	49.1 %	1.5 %	4.76 %
Net NPA	83.8 %	0.9 %	1.73 %
Financials
5 yr Average ROE	-24.91 %	8.9 %	12.5 %
5yr average Equity Multiplier	4.53	3.56	4.45
5yr Average Asset Turnover Ratio	0.11	0.14	0.15
5yr Avg Net Profit Margin	-45.4 %	18.71 %	17.84 %
5yr Avg Net Profit Margin	-45.4 %	n/a	17.84 %
5yr CAGR Net Profit	n/a	n/a	34.09 %
5yr CAGR Sales	-3.62 %	n/a	24.85 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.93	3.84	2.74
P/E	98.25	39.8	35.88
Shareholdings
Promoter Holding	72.57 %	69.87 %	66.43 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	7.71 %	-4.85 %	-7.42 %
Change in Mutual Fund Holding (3 Yrs)	0.08 %	1.65 %	-0.24 %

Business

	IFCI	Capri Global Capital	CreditAccess Grameen
Product Wise Break-Up	Product Wise Break-Up Fee & Commission income 38.76 Interest Income 34.29 Service 23.6 Rental Income 2.76 Dividend 0.58 Net gain on fair value changes 0 0 Fee and commission income 0 Fees and commission 0 Others 0.01	Product Wise Break-Up 0 Service 0 Dividend 0 Fee & Commission income 10.69 Fee & Commission income 0 Fees and commission 0 Net gain on fair value changes 1.91 Interest Income 0 Rental Income 0 Others 87.4	Product Wise Break-Up 0 Service 0 Dividend 0 Fee and commission income 0 Fee & Commission income 0 Fee & Commission income 2.3 Net gain on fair value changes 0.85 Interest Income 0 Rental Income 0 Others 96.85
Loan Break-Up	Loan Break-Up STL 37.06 Project Loan 32.49 Corporate Banking 28.91 LAS 1.54 Gold Loan 0 Housing Loans 0 Indirect Retail Lending 0 Construction Finance 0 MSME 0	Loan Break-Up Gold Loan 62.6 MSME Sector 7.35 Home loans 8.61 LAS 0 Corporate Banking 0 Construction Finance 14.08 STL 0 Indirect Retail Lending 7.36 Project Loan 0	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 Madhya pradesh 0 Tamil Nadu 0 Maharashtra 0 Karnataka 0	Location Wise Break-Up Madhya pradesh 0 Maharashtra 0 Karnataka 0 Tamil Nadu 0 Rest of the World 0 India 100.0	Location Wise Break-Up Madhya Pradesh 8.05 Maharashtra 21.49 Karnataka 31.09 Tamil Nadu 18.98 Rest of the World 0 India 0 Others 20.39
Verticals	Verticals Manufacturing 28.15 Infra - Energy 23.76 Infra - Transport & Logistics 14.28 Service 12.5 Real Estate 9.77 Holding Co 2.85 Infra - Communication 1.28 Mining & Exploration 1.08 Infra - Socail & Commercial 0.43 BFSI 0 Others 5.9	-	-
Borrowings Break-Up	Borrowings Break-Up Private Placement Bonds 32.27 Bank Loan 32.01 Public NCDs 12.18 Subordinate Bonds 8.11 NCD 5.05 Infrastructure Bonds 4.45 Foreign Currency Borrowings 2.63 Tax Free Bonds 1.91 Zero Coupon Bonds 1.39 Debt Securities 0 Term Loans from Banks 0 From Banks (Cash Credit) 0 From Banks (Overdraft) 0 External commercial borrowings 0 Non-banking financial companies 0 Financial institutions 0 Banks 0	Borrowings Break-Up Zero Coupon Bonds 0 Foreign Currency Borrowings 0 Debt Securities 1.46 Tax Free Bonds 0 Private Placement Bonds 0 Bank Loan 0 External commercial borrowings 0 Loan From Banks 3.65 Subordinate Bonds 0 Infrastructure Bonds 0 Non-banking financial companies 0 Banks 0 Loan From Banks 94.57 Public NCDs 0 NCD 0 Financial institutions 0 From Banks (Overdraft) 0 Others 0.32	Borrowings Break-Up Zero Coupon Bonds 0 Foreign Currency Borrowings 0 Debt Securities 0 Tax Free Bonds 0 Private Placement Bonds 0 Bank Loan 0 External Commercial Borrowings 18.65 From Banks (Cash Credit) 0 Subordinate Bonds 0 Infrastructure Bonds 0 NBFC 3.25 Banking 65.77 Term Loans from Banks 0 Public NCDs 0 NCD 0 Financial Services 12.23 From Banks (Overdraft) 0 Others 0.1

IFCI Ltd.

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