L&T Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	L&T Finance	Sundaram Finance	SBI Cards AndPayment
Operational Metrics
Asset Management Sector
AUM - Mutual Funds	72603.11 Crs	74676.92 Crs	n/a
% of AUM in equity fund	59.68 %	71.96 %	n/a
5 Yr AUM CAGR - Mutual Funds	12.95 %	18.42 %	n/a
Banking Sector
Net Interest Margin	8.42 %	4.8 %	11.2 %
NBFC
Gross NPA	3.29 %	1.26 %	n/a
Net NPA	1.0 %	0.63 %	1.42 %
AUM - NBFC	107096.0 Crs	43987.0 Crs	n/a
Cost To Income Ratio	40.0 %	34.69 %	50.3 %
Cost of Borrowing	7.32 %	6.3 %	7.1 %
Capital to Risks Assets Ratio (CRAR)	19.99 %	20.5 %	23.2 %
Tier I Capital	19.24 %	16.8 %	17.9 %
Unclassified
Yield On Advances	14.62 %	n/a	n/a
Financials
5 yr Average ROE	7.66 %	13.8 %	18.66 %
5yr average Equity Multiplier	4.96	5.72	4.55
5yr Average Asset Turnover Ratio	0.12	0.11	0.31
5yr Avg Net Profit Margin	12.53 %	22.27 %	13.41 %
5yr Avg Net Profit Margin	12.53 %	22.27 %	13.41 %
5yr CAGR Net Profit	22.18 %	10.04 %	14.25 %
5yr CAGR Sales	2.37 %	9.88 %	13.92 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.58	3.8	6.42
P/E	25.54	26.13	47.09
Shareholdings
Promoter Holding	66.1 %	37.22 %	68.59 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.1 %	-1.27 %	-1.05 %
Change in Mutual Fund Holding (3 Yrs)	9.55 %	-7.07 %	-1.5 %

Business

	L&T Finance	Sundaram Finance	SBI Cards AndPayment
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 Others 1.9	Segment Break-Up Asset Financing 92.71 Rural business 0 Wholesale Business 0 Housing business 0 Defocused business 0 Retail Business 0 Infrastructure finance 0 Insurance 0 Others 7.29	-
Loan Break-Up	Loan Break-Up Home loans 19.26 Farm Equipment 14.89 2 Wheeler Loans 12.15 Loan Against Property 6.33 Infrastructure Finance 1.23 Real Estate Loans 1.1 Infra Debt Fund (IDF) 0 Consumer Loans 0 Micro Loans 0 Others 45.04	-	-
Loan Break-Up	Loan Break-Up Home loans 19.26 Farm Equipment 14.89 2 Wheeler Loans 12.15 Loan Against Property 6.33 Infrastructure Finance 1.23 Real Estate Loans 1.1 Infra Debt Fund (IDF) 0 Consumer Loans 0 Micro Loans 0 Others 45.04	-	-
Location Wise Break-Up	Location Wise Break-Up India 0 East India 0 West India 0 North India 0 South India 0 Tier 3 0 Tier 2 0 Tier 1 0 Others 100	Location Wise Break-Up Tier 1 0 Tier 2 0 East India 4.8 Tier 3 0 India 0 North India 26.5 West India 11.3 South India 57.4	Location Wise Break-Up Tier I 35.0 Tier Ii 22.0 East India 0 Tier Iii 26.0 India 0 North India 0 West India 0 South India 0 Others 17.0
Operating Profit Break-Up	Operating Profit Break-Up Others 100	-	-
Borrowings Break-Up	Borrowings Break-Up Bank Loan 50.0 NCD 27.0 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 Term Loans 0 Debentures 0 Commercial Papers 0 Bank Lines 0 Others 7.0	Borrowings Break-Up Securitisation 11.6 Term Loans 0 Debenture 34.3 Commercial Papers 0 Debentures 0 Bank Lines 0 NCD 0 Bank Loan 0 WC Loans 0 Comercial paper 10.1 NHB 0 ECB 0 Bank Borrowing 30.7 Others 13.3	Borrowings Break-Up Securitisation Deposits 0 Term Loans 17.0 Debenture 0 Commercial Papers 4.0 Debenture 12.0 Loan From Banks 67.0 NCD 0 Bank Loan 0 WC Loans 0 Comercial paper 0 NHB 0 ECB 0 Bank Borrowing 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 Equity 0 Balanced schemes 7.25 EQUITY 74.35 ETF 0 Liquid/ Money Market 10.84 Gilt 0 FMP 0 Debt 7.34 Others 0.22	-

L&T Finance Ltd.

L&T Finance Ltd.

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