Mahindra & Mahindra Financial Services Ltd.

Financial

	Mah & Mah Finl. Serv	Bajaj Finserv	Piramal Enterprises
Operational Metrics
Asset Management Sector
% of AUM in equity fund	79.9 %	n/a	n/a
5 Yr AUM CAGR - Mutual Funds	32.19 %	n/a	n/a
AUM - Mutual Funds	19659.87 Crs	n/a	n/a
Banking Sector
Net Interest Margin	6.7 %	n/a	4.9 %
NBFC
Gross NPA	4.0 %	n/a	2.4 %
Net NPA	1.5 %	n/a	1.1 %
Cost To Income Ratio	41.8 %	n/a	48.0 %
AUM - NBFC	97048.0 Crs	n/a	63548.0 Crs
Capital to Risks Assets Ratio (CRAR)	18.3 %	n/a	n/a
Tier I Capital	16.5 %	n/a	n/a
Financials
5 yr Average ROE	9.6 %	12.39 %	9.38 %
5yr average Equity Multiplier	5.85	8.31	2.82
5yr Average Asset Turnover Ratio	0.14	0.21	0.13
5yr Avg Net Profit Margin	11.88 %	7.11 %	31.88 %
5yr Avg Net Profit Margin	11.88 %	n/a	31.88 %
5yr CAGR Net Profit	2.55 %	n/a	46.7 %
5yr CAGR Sales	4.36 %	n/a	-3.71 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.73	4.27	0.72
P/E	16.59	31.64	0.0
Shareholdings
Promoter Holding	52.16 %	60.69 %	46.19 %
Share Pledged by Promoters	0.0	0.01 %	0.0
Change in Promoter Holding (3 Yrs)	0.0	-0.11 %	0.13 %
Change in Mutual Fund Holding (3 Yrs)	4.37 %	0.85 %	5.28 %

Business

	Mah & Mah Finl. Serv	Bajaj Finserv	Piramal Enterprises
Loan Break-Up	Loan Break-Up Consumer Finance 84.0 Loans under housing finance business 7.99 Small & Medium Enterprises (SME) loans 3.86 Trading 2.82 Bills of exchange 1.08 0 0 Others 0.25	-	-
Location Wise Break-Up	Location Wise Break-Up North India 32.0 East India 21.0 South India 20.0 West India 17.0 Central India 10.0 India 0	Location Wise Break-Up North India 0 West India 0 East India 0 South India 0 Central India 0 India 100.0	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 97.5 Loan from Body Corporates 0.97 Loans repayable on demand from banks 0.38 Others 1.15	-	-
Borrowings - Geography Wise	Borrowings - Geography Wise Borrowings in India 94.15 Borrowings outside India 5.85	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 79.61 Balanced schemes 9.21 Liquid/ Money Market 6.09 Debt 4.94 ETF 0 FMP 0 Gilt 0 Others 0.15	-	-
Segment Wise Break-Up	Segment Wise Break-Up Financing Activities 92.55 Others 7.45	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Utility Vehicles 39.0 4 Wheeler 19.0 Pre-owned vehicles 16.0 Commercial Vehicles 11.0 Tractor Segment 11.0 SME 3.0 Mortgages 0 Loans Against Securities 0 Commercial Lending Business 0 Rural B2C Businesses 0 Rural B2B-Sales Finance Businesses 0 SME Business 0 Consumer B2C Businesses 0 Consumer B2B-Sales Finance 0 Consumer B2B-Auto Finance Business 0 Retail 0 Wholesale 0 Hospitality 0 Corporate Lending 0 Others 1.0	AUM Break-Up - NBFC Consumer Finance 19.64 Retail 0 Pre-owned vehicles 0 Utility Vehicles 0 Wholesale 0 4 Wheeler 0 Consumer Finance 5.16 Tractor Segment 0 Rural 2.09 Mortage 31.25 Commercial Vehicles 0 Commercial Lending Business 5.82 Rural 7.75 Consumer Finance 7.59 SME 12.65 Hospitality 0 Corporate Lending 0 SME 0 Loans against securities 5.34 Others 2.71	AUM Break-Up - NBFC Consumer B2C Businesses 0 Retail 58.0 Pre-owned vehicles 0 Utility Vehicles 0 Wholesale 42.0 4 Wheeler 0 Consumer B2B-Auto Finance Business 0 Tractor Segment 0 Rural B2B-Sales Finance Businesses 0 Mortgages 0 Commercial Vehicles 0 Commercial Lending Business 0 Rural B2C Businesses 0 Consumer B2B-Sales Finance 0 SME Business 0 Hospitality 0 Corporate Lending 0 SME 0 Loans Against Securities 0

Mahindra & Mahindra Financial Services Ltd.

Mahindra & Mahindra Financial Services Ltd.

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