IFCI Ltd. benchmarking: Performance to industry peers

Financial

	IFCI	Capri Global Capital	Five Star Business
Operational Metrics
Banks
Net Interest Margin	-5.9 %	9.2 %	20.07 %
Fresh Slippages - Quarterly	59.2 Crs	46.13 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	-48.4 %	25.8 %	51.63 %
Tier I Capital	-48.36 %	n/a	69.93 %
Yield On Advances	12.02 %	n/a	n/a
NBFC
Cost of Borrowing	9.1 %	9.2 %	n/a
Gross NPA	49.1 %	0.9 %	3.37 %
Net NPA	83.8 %	0.5 %	n/a
Financials
5 yr Average ROE	0.85 %	9.02 %	11.63 %
5yr average Equity Multiplier	4.33	3.98	2.32
5yr Average Asset Turnover Ratio	0.1	0.13	0.18
5yr Avg Net Profit Margin	-41.97 %	17.15 %	29.63 %
5yr Avg Net Profit Margin	-41.97 %	n/a	29.63 %
5yr CAGR Net Profit	n/a	n/a	73.66 %
5yr CAGR Sales	1.63 %	n/a	64.84 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.26	3.24	2.22
P/E	111.78	24.61	14.89
Shareholdings
Promoter Holding	72.57 %	59.92 %	18.61 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	6.22 %	-9.99 %	-16.26 %
Change in Mutual Fund Holding (3 Yrs)	0.12 %	5.49 %	12.01 %

Business

	IFCI	Capri Global Capital	Five Star Business
Product Wise Break-Up	Product Wise Break-Up Fee & Commission income 38.63 Interest Income 32.61 Net gain on fair value changes 12.3 Service 7.99 Rental Income 2.4 Dividend 0.67 0 Fee and commission income 0 Others 5.4	Product Wise Break-Up Rental Income 0 Service 0 0 Dividend 0 Net gain on fair value changes 0 Interest Income 0 Fee & Commission income 13.05 Fee & Commission income 0 Others 86.95	-
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 Indirect Retail Lending 7.36 Corporate Banking 0 Home loans 8.61 STL 0 Construction Finance 14.08 MSME Sector 7.35 Gold Loan 62.6 LAS 0	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 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 Debt Securities 0 Term Loans from Banks 0 From Banks (Cash Credit) 0 From Banks (Overdraft) 0 TL from DFI 0 Mutual Fund 0 NBFC 0 ECB 0 NCD 0 Bank Term Loans 0 Loans repayable on demand 0 Borrowings under Securitisation 0	Borrowings Break-Up From Banks (Overdraft) 0 Subordinate Bonds 0 Foreign Currency Borrowings 0 Debt Securities 3.27 NBFC 0 ECB 0 Loan From Banks 2.53 Tax Free Bonds 0 Borrowings under Securitisation 0 TL from DFI 0 Infrastructure Bonds 0 Loan From Banks 94.03 Mutual Fund 0 Zero Coupon Bonds 0 Public NCDs 0 Private Placement Bonds 0 NCD 0 Bank Loan 0 Bank Term Loans 0 Loans repayable on demand 0 Others 0.17	Borrowings Break-Up From Banks (Overdraft) 0 Subordinate Bonds 0 Foreign Currency Borrowings 0 Debt Securities 0 NBFC 5.0 ECB 0 From Banks (Cash Credit) 0 Tax Free Bonds 0 Borrowings under Securitisation 0 TL from DFI 10.0 Infrastructure Bonds 0 Term Loans from Banks 0 Mutual Fund 5.0 Zero Coupon Bonds 0 Public NCDs 0 Private Placement Bonds 0 NCD 0 Bank Loan 0 Term Loans 64.0 Loans repayable on demand 0 Others 16.0

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