IFCI Ltd. benchmarking: Perfomance to industry peers

Financial

	IFCI	Five Star Business	Capri Global Capital
Operational Metrics
Banking Sector
Net Interest Margin	-5.9 %	16.43 %	8.9 %
Fresh Slippages - Quarterly	59.2 Crs	n/a	46.13 Crs
Capital to Risks Assets Ratio (CRAR)	-48.4 %	49.15 %	34.5 %
Tier I Capital	-48.36 %	69.93 %	n/a
Yield On Advances	12.02 %	n/a	n/a
NBFC
Cost of Borrowing	9.1 %	n/a	9.7 %
Gross NPA	49.1 %	2.46 %	1.7 %
Net NPA	83.8 %	n/a	1.0 %
Financials
5 yr Average ROE	-24.91 %	11.63 %	9.02 %
5yr average Equity Multiplier	4.53	2.32	3.98
5yr Average Asset Turnover Ratio	0.11	0.18	0.13
5yr Avg Net Profit Margin	-45.4 %	29.63 %	17.15 %
5yr Avg Net Profit Margin	-45.4 %	29.63 %	n/a
5yr CAGR Net Profit	n/a	73.66 %	n/a
5yr CAGR Sales	-3.62 %	64.84 %	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.83	2.53	4.23
P/E	49.83	14.68	31.5
Shareholdings
Promoter Holding	72.57 %	21.47 %	59.95 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	7.71 %	-13.4 %	-14.73 %
Change in Mutual Fund Holding (3 Yrs)	0.09 %	4.82 %	6.15 %

Business

	IFCI	Five Star Business	Capri Global Capital
Product Wise Break-Up	Product Wise Break-Up Fee & Commission income 36.57 Interest Income 25.66 Service 19.72 Net gain on fair value changes 14.41 Rental Income 3.62 Dividend 0.01 0 Fee and commission income 0 Others 0.01	-	Product Wise Break-Up Rental Income 0 Fee & Commission income 0 0 Service 0 Interest Income 0 Net gain on fair value changes 0.61 Dividend 0 Fee & Commission income 8.39 Others 91.0
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 Project Loan 0 LAS 0 Gold Loan 62.6 Construction Finance 14.08 Home loans 8.61 STL 0 Indirect Retail Lending 7.36 MSME Sector 7.35 Corporate Banking 0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
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 ECB 0 NCD 0 Bank Term Loans 0 Loans repayable on demand 0 Borrowings under Securitisation 0 Debt Securities 0 Term Loans from Banks 0 From Banks (Cash Credit) 0 From Banks (Overdraft) 0	Borrowings Break-Up Private Placement Bonds 0 Subordinate Bonds 0 Bank Loan 0 Infrastructure Bonds 0 Tax Free Bonds 0 Term Loans 57.43 Term Loans from Banks 0 Foreign Currency Borrowings 0 External commercial borrowing 0.99 From Banks (Overdraft) 0 From Banks (Cash Credit) 0 Debt Securities 0 Zero Coupon Bonds 0 Public NCDs 0 Borrowings under Securitisation 14.85 Non-Convertible Debentures 9.9 Loans repayable on demand 0 Others 16.83	Borrowings Break-Up Private Placement Bonds 0 Subordinate Bonds 0 Bank Loan 0 Infrastructure Bonds 0 Tax Free Bonds 0 Bank Term Loans 0 Loan From Banks 94.03 Foreign Currency Borrowings 0 ECB 0 From Banks (Overdraft) 0 Loan From Banks 2.53 Debt Securities 3.27 Zero Coupon Bonds 0 Public NCDs 0 Borrowings under Securitisation 0 NCD 0 Loans repayable on demand 0 Others 0.17

IFCI Ltd.

IFCI Ltd.

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