JM Financial Ltd.

Financial

	JM Financial	Godrej Industries	Abans Holdings
Operational Metrics
Asset Management Sector
AUM - Mutual Funds	6094.61 Crs	n/a	n/a
5 Yr AUM CAGR - Mutual Funds	-3.21 %	n/a	n/a
% of AUM in equity fund	57.98 %	n/a	n/a
Banking Sector
Net Interest Margin	6.3 %	n/a	n/a
NBFC
Cost of Borrowing	9.0 %	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	37.2 %	n/a	n/a
Gross NPA	4.5 %	n/a	n/a
Net NPA	2.2 %	n/a	n/a
Unclassified
Yield On Advances	13.6 %	n/a	n/a
Financials
5 yr Average ROE	9.33 %	9.79 %	8.16 %
5yr average Equity Multiplier	3.67	4.29	2.33
5yr Average Asset Turnover Ratio	0.14	0.46	1.72
5yr Avg Net Profit Margin	17.92 %	4.87 %	3.95 %
Price to Book	1.01	3.93	2.42
P/E	12.21	48.14	25.44
5yr Avg Cash Conversion Cycle	107.24 Days	-41.81 Days	n/a
Inventory Days	2.28 Days	165.49 Days	n/a
Days Receivable	95.83 Days	33.98 Days	n/a
Days Payable	155.18 Days	147.14 Days	n/a
5yr Average Interest Coverage Ratio	1.94	2.86	n/a
5yr Avg ROCE	14.01 %	9.81 %	n/a
5yr Avg Operating Profit Margin	70.71 %	12.52 %	n/a
5 yr average Debt to Equity	2.06	1.73	n/a
5yr CAGR Net Profit	0.86 %	10.58 %	n/a
5yr Average Return on Assets	2.55 %	2.3 %	n/a
Shareholdings
Promoter Holding	56.44 %	67.16 %	72.09 %
Share Pledged by Promoters	0.0	5.62 %	12.12 %
Change in Promoter Holding (3 Yrs)	1.65 %	-0.03 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-1.43 %	2.4 %	0.0

Business

	JM Financial	Godrej Industries	Abans Holdings
Product Wise Break-Up	Product Wise Break-Up Interest Income 54.59 Fee & Commission income 23.97 Net gain on fair value changes 10.63 Broking 9.83 Net gain on derecognition of financial assets carried at fair value 0.05 Crop Protection 0 Dairy 0 Finance & Investments 0 Estate & Property Development 0 Veg Oils 0 Animal Feed 0 Chemicals 0 Others 0.93	Product Wise Break-Up Dairy 8.9 Vegetable Oil 10.26 Net gain on fair value changes 0 Broking 0 Crop Protection 5.41 Fee & Commission income 0 Real Estate 13.4 Animal Feed 31.4 0 Interest Income 0 Financial Services 9.02 Chemicals 15.02 Others 6.59	-
Segment Break-Up	Segment Break-Up Investment Banking 37.2 Mortage 29.95 Platform AWS 20.24 Distressed Credit 8.48 Asset management 0 Lending 0 Internal Treasury Operations 0 Agency Business 0 Others 4.13	-	Segment Break-Up Platform AWS 0 Asset management 0 Agency Business 6.3 Mortage 0 Lending 2.31 Distressed Credit 0 Treasury 91.39 Investment Banking 0
Location Wise Break-Up	Location Wise Break-Up India 99.77 Rest of the World 0 Others 0.23	Location Wise Break-Up Rest of the World 11.89 India 88.11	Location Wise Break-Up Rest of the World 0 India 12.71 Others 87.29
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 80.73 Borrowings under Securities lending and borrowings (SLB) 4.66 Cash Credit 1.62 Short term loan from banks 0 Others 12.99	-	-
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-
Net Profit Break-Up	Net Profit Break-Up Others 100	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Liquid/ Money Market 51.22 Equity 38.41 Debt 7.71 Balanced schemes 2.67 ETF 0	-	-

JM Financial Ltd.

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