L&T Finance Ltd.

Financial

	L&T Finance	Sundaram Finance	Cholamandalam Fin.
Operational Metrics
Asset Management Sector
AUM - Mutual Funds	72603.11 Crs	69531.18 Crs	n/a
% of AUM in equity fund	59.68 %	72.35 %	n/a
5 Yr AUM CAGR - Mutual Funds	12.95 %	18.42 %	n/a
Banking Sector
Net Interest Margin	8.15 %	4.8 %	n/a
NBFC
Gross NPA	2.9 %	1.26 %	n/a
Net NPA	0.81 %	0.63 %	n/a
AUM - NBFC	97762.0 Crs	43987.0 Crs	n/a
Cost To Income Ratio	41.3 %	34.69 %	n/a
Cost of Borrowing	7.84 %	6.3 %	n/a
Capital to Risks Assets Ratio (CRAR)	22.27 %	20.5 %	n/a
Tier I Capital	20.76 %	16.8 %	n/a
Unclassified
Yield On Advances	14.88 %	n/a	n/a
Financials
5 yr Average ROE	7.66 %	13.32 %	15.47 %
5yr average Equity Multiplier	4.96	5.92	16.37
5yr Average Asset Turnover Ratio	0.12	0.11	0.16
5yr Avg Net Profit Margin	12.53 %	21.2 %	6.22 %
5yr Avg Net Profit Margin	12.53 %	21.2 %	n/a
5yr CAGR Net Profit	22.18 %	12.65 %	n/a
5yr CAGR Sales	2.37 %	8.89 %	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.83	4.0	2.97
P/E	17.71	28.07	17.09
Shareholdings
Promoter Holding	66.24 %	37.22 %	46.45 %
Share Pledged by Promoters	0.0	0.0	0.02 %
Change in Promoter Holding (3 Yrs)	-0.02 %	-1.27 %	-2.17 %
Change in Mutual Fund Holding (3 Yrs)	6.5 %	-5.39 %	-4.78 %

Business

	L&T Finance	Sundaram Finance	Cholamandalam Fin.
Segment Break-Up	Segment Break-Up Retail Business 85.78 Wholesale Business 11.84 Defocused business 0.48 Infrastructure finance 0 Housing business 0 Rural business 0 Insurance 0 Asset Financing 0 Financing 0 Others 1.9	Segment Break-Up Defocused business 0 Rural business 0 Infrastructure finance 0 Housing business 0 Asset Financing 91.04 Financing 0 Insurance 0 Wholesale Business 0 Retail Business 0 Others 8.96	Segment Break-Up Defocused business 0 Rural business 0 Infrastructure finance 0 Housing business 0 Asset Financing 0 Financial Services 77.7 Insurance 21.73 Wholesale Business 0 Retail Business 0 Others 0.57
Loan Break-Up	Loan Break-Up Farm Equipment 12.67 Home loans 11.03 Loan Against Property 3.92 Infrastructure Finance 1.17 Small & Medium Enterprises (SME) loans 0.76 Real Estate Loans 0.03 Infra Debt Fund (IDF) 0 Consumer Loans 0 2W Finance 0 Others 70.42	-	-
Loan Break-Up	Loan Break-Up Farm Equipment 12.67 Home loans 11.03 Loan Against Property 3.92 Infrastructure Finance 1.17 Small & Medium Enterprises (SME) loans 0.76 Real Estate Loans 0.03 Infra Debt Fund (IDF) 0 Consumer Loans 0 2W Finance 0 Others 70.42	-	-
Location Wise Break-Up	Location Wise Break-Up India 0 East India 0 West India 0 North India 0 South India 0 Others 100	Location Wise Break-Up East India 4.3 South India 56.0 India 0 West India 12.3 North India 27.4	Location Wise Break-Up East India 0 South India 0 India 100.0 West India 0 North India 0
Operating Profit Break-Up	Operating Profit Break-Up Others 100	-	-
Borrowings Break-Up	Borrowings Break-Up Bank Loan 53.0 NCD 26.0 ECB 8.0 Commercial Papers 7.0 NCD 1.0 WC Loans 0 NHB 0 Comercial paper 0 Securitisation Deposits 0 Bank Borrowing 0 Debenture 0 Loan repayable on demand - Secured 0 External Commercial Borrowings 0 Foreign Currency Loans 0 Rupee Loans 0 Others 5.0	Borrowings Break-Up Comercial paper 4.1 NCD 0 ECB 0 Securitisation 10.4 Debenture 32.3 Loan repayable on demand - Secured 0 Foreign Currency Loans 0 Bank Loan 0 Rupee Loans 0 Commercial Papers 0 External Commercial Borrowings 0 NHB 0 Bank Borrowing 39.0 WC Loans 0 Others 14.2	Borrowings Break-Up Comercial paper 0 NCD 0 ECB 0 Securitisation Deposits 0 Debenture 0 Loan From Banks 3.57 Foreign Currency Loans 0 Bank Loan 0 Rupee Loans 91.11 Commercial Papers 0 External Commercial Borrowings 5.32 NHB 0 Bank Borrowing 0 WC Loans 0
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 60.5 Debt 25.22 Liquid/ Money Market 13.94 ETF 0 Balanced schemes 0 FMP 0 Gilt 0 EQUITY 0 Others 0.34	AUM Break-Up - Asset Management ETF 0 Debt 7.34 Equity 0 FMP 0 Balanced schemes 7.25 EQUITY 74.35 Liquid/ Money Market 10.84 Gilt 0 Others 0.22	-

L&T Finance Ltd.

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