IFCI Ltd.

Financial

	IFCI	Sundaram Finance	Five Star Business
Operational Metrics
Banking Sector
Net Interest Margin	12.5 %	4.8 %	n/a
Fresh Slippages - Quarterly	8.73 Crs	129.59 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	-70.7 %	20.5 %	50.5 %
Tier I Capital	-71.06 %	16.8 %	69.93 %
Yield On Advances	12.02 %	n/a	n/a
NBFC
Cost of Borrowing	9.1 %	6.3 %	n/a
Gross NPA	49.1 %	1.26 %	1.38 %
Net NPA	76.0 %	0.63 %	n/a
Financials
5 yr Average ROE	-27.19 %	13.32 %	11.63 %
5yr average Equity Multiplier	4.61	5.92	2.32
5yr Average Asset Turnover Ratio	0.11	0.11	0.18
5yr Avg Net Profit Margin	-50.25 %	21.2 %	29.63 %
5yr Avg Net Profit Margin	-50.25 %	21.2 %	29.63 %
5yr CAGR Net Profit	-15.72 %	12.65 %	73.66 %
5yr CAGR Sales	-12.81 %	8.89 %	64.84 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	4.8	4.43	4.26
P/E	210.07	34.16	26.5
Shareholdings
Promoter Holding	71.72 %	37.86 %	26.51 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	7.91 %	1.96 %	-8.36 %
Change in Mutual Fund Holding (3 Yrs)	0.02 %	-0.72 %	2.85 %

Business

	IFCI	Sundaram Finance	Five Star Business
Product Wise Break-Up	Product Wise Break-Up Interest Income 39.98 Fee & Commission income 24.6 Service 20.0 Net gain on fair value changes 13.36 Rental Income 2.0 Product Revenue 0.01 Dividend income 0 Lease Rental 0 Interest Income 0 Dividend 0 Fees and Commission Income 0 Others 0.05	Product Wise Break-Up Service 0 Rental Income 0 Fee & Commission income 0 Product Revenue 0 Interest Income 73.38 Lease Rental 1.87 Dividend 0.79 Fees and Commission 3.67 Net gain on fair value changes 0 Dividend income 0 Others 20.29	-
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 East India 0 West India 0 North India 0 South India 0	Location Wise Break-Up North India 28.5 South India 53.9 Rest of the World 0 East India 4.5 West India 13.1 India 0	Location Wise Break-Up North India 0 South India 0 Rest of the World 0 East India 0 West India 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 WC Loans 0 NHB 0 Comercial paper 0 Securitisation Deposits 0 Bank Borrowing 0 Debenture 0 ECB 0 NCD 0 Bank Term Loans 0 Loans repayable on demand 0 Borrowings under Securitisation 0	Borrowings Break-Up NCD 0 Subordinate Bonds 0 Tax Free Bonds 0 Zero Coupon Bonds 0 Securitisation 11.5 Debenture 33.8 Private Placement Bonds 0 Bank Loan 0 WC Loans 0 Bank Borrowing 35.8 NHB 0 Loans repayable on demand 0 Foreign Currency Borrowings 0 ECB 0 Public NCDs 0 Borrowings under Securitisation 0 Infrastructure Bonds 0 Bank Term Loans 0 Comercial paper 4.7 Others 14.2	Borrowings Break-Up Non-Convertible Debentures 5.0 Subordinate Bonds 0 Tax Free Bonds 0 Zero Coupon Bonds 0 Securitisation Deposits 0 Debenture 0 Private Placement Bonds 0 Bank Loan 0 WC Loans 0 Bank Borrowing 0 NHB 0 Loans repayable on demand 0 Foreign Currency Borrowings 0 External commercial borrowing 1.0 Public NCDs 0 Borrowings under Securitisation 17.0 Infrastructure Bonds 0 Term Loans 65.0 Comercial paper 0 Others 12.0

IFCI Ltd.

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