Sammaan Capital Ltd. benchmarking: Performance to industry peers

Financial

	Sammaan Capital	PNB Housing Finance	Can Fin Homes
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 %	0.68 %	0.49 %
Banks
Net Interest Margin	5.5 %	3.63 %	4.14 %
NBFC
Capital to Risks Assets Ratio (CRAR)	34.8 %	29.46 %	25.08 %
Tier I Capital	31.2 %	28.92 %	24.31 %
Gross NPA	1.4 %	1.04 %	0.92 %
Cost To Income Ratio	20.8 %	27.6 %	18.53 %
Cost of Borrowing	8.1 %	7.5 %	7.14 %
AUM - NBFC	64004.0 Crs	86048.0 Crs	40693.0 Crs
Financials
5 yr Average ROE	5.43 %	9.99 %	16.8 %
5yr average Equity Multiplier	4.35	6.09	8.63
5yr Average Asset Turnover Ratio	0.12	0.1	0.09
5yr Avg Net Profit Margin	6.31 %	17.68 %	22.45 %
5yr Avg Net Profit Margin	6.31 %	17.68 %	22.45 %
5yr CAGR Net Profit	n/a	15.8 %	13.44 %
5yr CAGR Sales	-1.28 %	0.51 %	13.96 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.79	1.27	2.04
P/E	13.85	10.41	11.42
Shareholdings
Promoter Holding	0.0	28.04 %	29.99 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-4.49 %	0.0
Change in Mutual Fund Holding (3 Yrs)	3.0 %	28.47 %	-6.65 %

Business

	Sammaan Capital	PNB Housing Finance	Can Fin Homes
Product Wise Break-Up	Product Wise Break-Up Interest Income 69.53 Fees & Commission Income 2.75 Loans for Sites 0 Mortgage Loans/ Flexilap 0 Top-up Personal Loans 0 Housing Loans 0 Others 27.72	-	Product Wise Break-Up Interest Income 0 Loan From Banks 4.87 Home loans 86.24 Fees & Commission Income 0 Loans for Sites 1.01 Loan Against Property 7.5 Others 0.38
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Debenture 36.0 Sell Down 35.0 Bank Loan 28.0 ECB 1.0 NCD 0 CP 0 Deposits 0 ECBs 0 Bank Term Loans 0 NHB Refinance 0 Deposits with less than 1 year tenure 0 Overdraft / WCDL Accounts 0 Commercial Paper 0 Loans & Advances from Related parties 0 Term Loan from Federal Bank 0 0 Term Loans 0 National Housing Bank 0	Borrowing Break-Up - NBFC Deposits 26.5 NHB 14.4 Bank Loan 0 ECB 6.3 Deposits with less than 1 year tenure 0 CP 5.8 Commercial Paper 0 ECB 0 Overdraft / WCDL Accounts 0 Bank Loan 36.9 Debenture 0 Loans & Advances from Related parties 0 NCD 10.1 0 Term Loan from Federal Bank 0 National Housing Bank 0 Term Loans 0 Sell Down 0	Borrowing Break-Up - NBFC Deposits 0 NHB Refinance 0 Bank Loan 0 ECBs 0 Deposits with less than 1 year tenure 0 CP 0 Commercial Papers 3.0 ECB 0 Overdraft / WCDL Accounts 0 Bank Term Loans 0 Debenture 0 Loans & Advances from Related parties 0 NCD 0 Debenture 19.0 Loan From Banks 62.0 National Housing Bank 15.0 Term Loans 0 Sell Down 0 Others 1.0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 West India 0 South India 0 North India 0	Location Wise Break-Up West India 27.0 India 0 South India 36.0 Rest of the World 0 North India 37.0	Location Wise Break-Up West India 0 India 100.0 South India 0 Rest of the World 0 North India 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 Mortgage & LAP 0 Rennovation 0 Resale 0 Flat 0 Construction 0	-	AUM Break-Up Mortgage & LAP 10.0 Business Loans 0 Loan Against Property 0 Rennovation 2.0 Corporate Banking 0 Construction 60.0 Resale 5.0 Flat 6.0 Others 17.0
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	Segment Wise Break-Up Financing 100.0	-

Sammaan Capital Ltd.

Sammaan Capital Ltd.

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