IFCI Ltd. benchmarking: Performance to industry peers

Financial

	IFCI	Capri Global Capital	CreditAccess Grameen
Operational Metrics
Banks
Net Interest Margin	-5.9 %	9.1 %	13.9 %
Fresh Slippages - Quarterly	59.2 Crs	46.13 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	-48.4 %	30.3 %	26.4 %
Tier I Capital	-48.36 %	n/a	25.8 %
Yield On Advances	12.02 %	n/a	n/a
NBFC
Cost of Borrowing	9.1 %	9.4 %	9.4 %
Gross NPA	49.1 %	1.2 %	4.04 %
Net NPA	83.8 %	0.7 %	1.36 %
Financials
5 yr Average ROE	0.85 %	9.02 %	11.59 %
5yr average Equity Multiplier	4.33	3.98	4.33
5yr Average Asset Turnover Ratio	0.1	0.13	0.17
5yr Avg Net Profit Margin	-41.97 %	17.15 %	15.77 %
5yr Avg Net Profit Margin	-41.97 %	n/a	15.77 %
5yr CAGR Net Profit	n/a	n/a	31.72 %
5yr CAGR Sales	1.63 %	n/a	18.47 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.64	2.44	2.63
P/E	36.86	19.26	38.83
Shareholdings
Promoter Holding	72.57 %	59.92 %	66.28 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	6.22 %	-14.72 %	-7.43 %
Change in Mutual Fund Holding (3 Yrs)	0.1 %	6.52 %	0.43 %

Business

	IFCI	Capri Global Capital	CreditAccess Grameen
Product Wise Break-Up	Product Wise Break-Up Fee & Commission income 20.14 Interest Income 12.2 Service 10.84 Net gain on fair value changes 1.78 Dividend income 0 Rental income 0 0 Fee and commission income 0 Fees and commission 0 Others 55.04	Product Wise Break-Up 0 Net gain on fair value changes 0.41 Rental income 0 Fees and commission 0 Dividend income 0 Service 0 Fee & Commission income 9.46 Fee & Commission income 0 Interest Income 0 Others 90.13	Product Wise Break-Up 0 Net gain on fair value changes 0.54 Rental income 0 Fee & Commission income 2.25 Dividend income 0 Service 0 Fee and commission income 0 Fee & Commission income 0 Interest Income 0 Others 97.21
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 MSME Sector 7.35 LAS 0 Home loans 8.61 Construction Finance 14.08 Project Loan 0 STL 0 Gold Loan 62.6 Indirect Retail Lending 7.36 Corporate Banking 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 India 100.0 Karnataka 0 Rest of the World 0 Tamil Nadu 0 Maharashtra 0	Location Wise Break-Up Madhya Pradesh 8.38 India 0 Karnataka 30.07 Rest of the World 0 Tamil Nadu 18.07 Maharashtra 22.02 Others 21.46
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 Bank Loan 0 From Banks (Overdraft) 0 Infrastructure Bonds 0 Debt Securities 3.27 Tax Free Bonds 0 Public NCDs 0 Loan From Banks 94.03 Foreign Currency Borrowings 0 Non-banking financial companies 0 NCD 0 Loan From Banks 2.53 Financial institutions 0 Private Placement Bonds 0 Subordinate Bonds 0 Banks 0 External commercial borrowings 0 Others 0.17	Borrowings Break-Up Zero Coupon Bonds 0 Bank Loan 0 From Banks (Overdraft) 0 Infrastructure Bonds 0 Debt Securities 0 Tax Free Bonds 0 Public NCDs 0 Term Loans from Banks 0 Foreign Currency Borrowings 0 NBFC 2.45 NCD 0 From Banks (Cash Credit) 0 Financial Services 9.49 Private Placement Bonds 0 Subordinate Bonds 0 Banking 64.29 External Commercial Borrowings 22.48 Others 1.29

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IFCI Ltd.

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