Manba Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	Manba Finance	Yogi	CSL Finance
Operational Metrics
Banks
Gross NPA	3.52 %	n/a	n/a
Net NPA	2.68 %	n/a	n/a
NBFC
Tier I Capital	25.17 %	n/a	n/a
AUM - NBFC	1500.8 Crs	n/a	1309.0 Crs
Capital to Risks Assets Ratio (CRAR)	25.17 %	n/a	44.73 %
Yield On Advances	23.9 %	n/a	n/a
Financials
5 yr Average ROE	12.53 %	-0.38 %	12.05 %
5yr average Equity Multiplier	4.48	2.55	1.9
5yr Average Asset Turnover Ratio	0.19	0.08	0.16
5yr Avg Net Profit Margin	15.05 %	0.44 %	40.03 %
5yr Avg Net Profit Margin	15.05 %	0.44 %	40.03 %
5yr CAGR Net Profit	42.96 %	n/a	21.23 %
5yr CAGR Sales	39.75 %	262.93 %	28.42 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.81	5.36	1.26
P/E	16.74	491.05	8.97
Shareholdings
Promoter Holding	74.98 %	61.09 %	47.56 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	13.96 %	-3.77 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	Manba Finance	Yogi	CSL Finance
Product Wise Break-Up	Product Wise Break-Up Two Wheeler 89.57 Personal Loan 0.71 Three Wheeler 0.61 Used Two Wheeler 0.38 Small Business Loan 0.19 Used Car Loan 0.02 Fees & Commission Income 0 Loans written off earlier now recovered 0 Processing Fees Wholesale 0 Processing Fees SME 0 Processing Fees Retail 0 Interest 0 Others 8.52	Product Wise Break-Up Small Business Loan 0 Used Two Wheeler 0 Three Wheeler 0 Used Car Loan 0 Two Wheeler 0 Loans written off earlier now recovered 0 Fees & Commission Income 0 Processing Fees Retail 0 Interest 0 Processing Fees SME 0 Personal Loan 0 Processing Fees Wholesale 0 Others 100	Product Wise Break-Up Small Business Loan 0 Used Two Wheeler 0 Three Wheeler 0 Used Car Loan 0 Two Wheeler 0 Loans written off earlier now recovered 3.11 Fee Income 3.89 Processing Fees Retail 0 Interest Income 93.0 Processing Fees SME 0 Personal Loan 0 Processing Fees Wholesale 0
Location Wise Break-Up	Location Wise Break-Up Maharashtra 69.4 Gujarat 24.03 Rajasthan 3.58 Chhattisgarh 2.84 Madhya Pradesh 0.15 India 0	-	Location Wise Break-Up Maharashtra 0 Gujarat 0 Chhattisgarh 0 Rajasthan 0 Madhya Pradesh 0 India 100.0
Borrowings Break-Up	Borrowings Break-Up NBFCs and Financial Institutions 33.19 Non-Convertible Debentures 21.57 Banks 21.43 PTC 17.25 Working Capital Demand Loan 5.76 Commercial Papers 0 Term Loan from Bank 0 Loans repayable on demand 0 Others 0.8	-	Borrowings Break-Up Commercial Papers 0 Working Capital Demand Loan 0 Loan From Banks 68.47 Non-Convertible Debentures 0 PTC 0 Banks 0 Loans repayable on demand from banks 3.51 NBFCs and Financial Institutions 0 Others 28.02
AUM Break-Up	AUM Break-Up New Vehicle Loans 97.9 Personal Loans 0.78 Small Business Loan 0.75 Used Vehicle Loans 0.3 Others 0.27	-	-
NPA Break-Up	NPA Break-Up Two wheeler 87.21 Top-up loans 11.06 Used Two Wheeler 1.64 Three Wheeler 0.09 Small business loan 0 Personal Loans 0 Used Car 0	-	-

Manba Finance Ltd.

Manba Finance Ltd.

Financial

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