Sammaan Capital Ltd. benchmarking: Perfomance to industry peers

Financial

	Sammaan Capital	Home First Finance	Aavas Financiers
Operational Metrics
Asset Management
5 Yr AUM CAGR - Mutual Funds	-44.21 %	n/a	n/a
% of AUM in equity fund	48.57 %	n/a	n/a
AUM - Mutual Funds	363.69 Crs	n/a	n/a
Net NPA	0.8 %	n/a	0.85 %
Banks
Net Interest Margin	5.5 %	5.4 %	7.81 %
NBFC
Capital to Risks Assets Ratio (CRAR)	34.8 %	48.4 %	46.42 %
Tier I Capital	31.2 %	n/a	44.38 %
Gross NPA	1.4 %	1.9 %	1.24 %
Cost To Income Ratio	20.8 %	32.0 %	43.7 %
Cost of Borrowing	8.1 %	8.1 %	7.85 %
AUM - NBFC	64004.0 Crs	14178.1 Crs	21360.0 Crs
Financials
5 yr Average ROE	3.78 %	12.24 %	12.54 %
5yr average Equity Multiplier	4.35	3.95	3.96
5yr Average Asset Turnover Ratio	0.12	0.12	0.12
5yr Avg Net Profit Margin	6.31 %	26.48 %	26.41 %
5yr Avg Net Profit Margin	6.31 %	26.48 %	26.41 %
5yr CAGR Net Profit	n/a	30.71 %	14.53 %
5yr CAGR Sales	-1.28 %	25.77 %	17.47 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.53	3.01	2.81
P/E	9.27	26.66	20.32
Shareholdings
Promoter Holding	0.0	12.39 %	48.96 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-9.59 %	-21.13 %	9.8 %
Change in Mutual Fund Holding (3 Yrs)	9.17 %	19.43 %	3.89 %

	Sammaan Capital	Home First Finance	Aavas Financiers
Product Wise Break-Up	Product Wise Break-Up Interest Income 65.14 Fees & Commission Income 2.59 Net gain on fair value charge 0 Fees & commission 0 Interest income 0 Corporate 0 Retail 0 Others 32.27	Product Wise Break-Up Corporate 0 Fees & Commission Income 0 Interest Income 0 Fee & Commission income 4.47 Retail 0 Interest Income 85.71 Net gain on derecognition of financial assets carried at fair value 4.29 Others 5.53	Product Wise Break-Up Corporate 0.4 Fees & Commission Income 0 Interest Income 0 Fees & commission 0 Retail 99.6 Interest income 0 Net gain on fair value charge 0
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Debenture 36.0 Sell Down 35.0 Bank Loan 28.0 ECB 1.0	-	-
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 0 Others 100	Location Wise Break-Up Rest of the World 0 India 100.0
Distribution Channel	Distribution Channel Direct 65.0 eHome Loans 22.0 External Channels 8.0 Branch Walk-ins 5.0	-	-
AUM Break-Up	AUM Break-Up Loan Against Property 53.0 Corporate Banking 29.0 Business Loans 18.0	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Liquid/ Money Market 52.47 Equity 35.81 Debt 8.6 ETF 3.12 Balanced schemes 0 FMP 0	-	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	-	-