IFCI Ltd.

Financial

	IFCI	Five Star Business	Chola Invest & Fin.
Operational Metrics
Banking Sector
Net Interest Margin	12.5 %	n/a	7.8 %
Fresh Slippages - Quarterly	8.73 Crs	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	-70.7 %	50.5 %	18.57 %
Tier I Capital	-71.06 %	69.93 %	15.1 %
Yield On Advances	12.02 %	n/a	n/a
NBFC
Cost of Borrowing	9.1 %	n/a	6.9 %
Gross NPA	49.1 %	1.38 %	3.54 %
Net NPA	76.0 %	n/a	2.32 %
Financials
5 yr Average ROE	-27.19 %	13.8 %	16.97 %
5yr average Equity Multiplier	4.61	2.16	7.89
5yr Average Asset Turnover Ratio	0.11	0.19	0.12
5yr Avg Net Profit Margin	-50.25 %	34.69 %	17.36 %
5yr Avg Net Profit Margin	-50.25 %	34.69 %	17.36 %
5yr CAGR Net Profit	-15.72 %	73.66 %	17.34 %
5yr CAGR Sales	-12.81 %	64.84 %	13.01 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.89	4.15	5.58
P/E	126.33	25.81	31.97
Shareholdings
Promoter Holding	70.32 %	26.51 %	50.35 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	9.3 %	-8.36 %	-1.27 %
Change in Mutual Fund Holding (3 Yrs)	0.02 %	2.83 %	-6.19 %

Business

	IFCI	Five Star Business	Chola Invest & Fin.
Product Wise Break-Up	Product Wise Break-Up Fee & Commission income 27.35 Interest Income 25.62 Service 24.53 Net gain on fair value changes 12.47 Dividend 8.06 Rental Income 1.96 Product Revenue 0.01 Loan Against Property 0 Home Equity 0 Vehicle Finance 0	-	Product Wise Break-Up Service 0 Fee & Commission income 0 Auto Loans 58.56 Product Revenue 0 Home loans 9.27 LAP 15.79 Dividend 0 Net gain on fair value changes 0 Rental Income 0 Interest Income 0 Others 16.38
Loan Break-Up	Loan Break-Up STL 37.06 Project Loan 32.49 Corporate Banking 28.91 LAS 1.54	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 West India 0 East India 0 South India 0 North India 0	Location Wise Break-Up East India 0 North India 0 Rest of the World 0 West India 0 India 100.0 South India 0	Location Wise Break-Up East India 24.0 North India 22.0 Rest of the World 0 West India 24.0 India 0 South India 30.0
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 Securitisation 0 Perpetual Debt Instruments 0 Working Capital Demand Loans (incl CC) 0 Sub‐ordinated Debt 0 Commercial Papers 0 Non‐Convertible Debentures 0	Borrowings Break-Up Borrowings under Securitisation 21.0 Public NCDs 0 Infrastructure Bonds 0 Private Placement Bonds 0 Foreign Currency Borrowings 0 Tax Free Bonds 0 Securitisation 0 Commercial Papers 0 External commercial borrowing 1.0 Working Capital Demand Loans (incl CC) 0 Perpetual Debt Instruments 0 Non‐Convertible Debentures 0 Non-Convertible Debentures 5.0 Zero Coupon Bonds 0 Term Loans 66.0 Sub‐ordinated Debt 0 Loans repayable on demand 0 Subordinate Bonds 0 Bank Loan 0 Others 7.0	Borrowings Break-Up Borrowings under Securitisation 0 Public NCDs 0 Infrastructure Bonds 0 Private Placement Bonds 0 Foreign Currency Borrowings 0 Tax Free Bonds 0 Securitisation 0 Commercial Papers 0 ECB 0 Working Capital Demand Loans (incl CC) 0 Perpetual Debt Instruments 0 Non‐Convertible Debentures 0 NCD 0 Zero Coupon Bonds 0 Bank Loan 75.17 Sub‐ordinated Debt 0 Loans repayable on demand 0 Subordinate Bonds 0 Bank Loan 0 Others 24.83

IFCI Ltd.

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