Manba Finance Ltd. benchmarking: Performance to industry peers

Financial

	Manba Finance	Laxmi India Finance	India Finsec
Operational Metrics
Banks
Gross NPA	3.38 %	2.13 %	n/a
Net NPA	2.57 %	1.08 %	n/a
NBFC
Tier I Capital	25.17 %	25.61 %	n/a
AUM - NBFC	1630.8 Crs	1626.26 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	25.17 %	26.12 %	n/a
Yield On Advances	23.9 %	21.3 %	n/a
Financials
5 yr Average ROE	12.53 %	11.79 %	8.46 %
5yr average Equity Multiplier	4.48	4.97	3.52
5yr Average Asset Turnover Ratio	0.19	0.17	0.17
5yr Avg Net Profit Margin	15.05 %	13.74 %	15.49 %
5yr Avg Net Profit Margin	15.05 %	13.74 %	15.49 %
5yr CAGR Net Profit	42.96 %	19.7 %	26.64 %
5yr CAGR Sales	39.75 %	20.35 %	31.78 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.46	1.3	4.34
P/E	14.15	12.2	36.51
Shareholdings
Promoter Holding	74.98 %	60.31 %	55.98 %
Share Pledged by Promoters	0.0	0.0	71.1 %
Change in Promoter Holding (3 Yrs)	0.0	-0.14 %	0.47 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

	Manba Finance	Laxmi India Finance	India Finsec
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 Others 8.52	-	Product Wise Break-Up Two Wheeler 0 Small Business Loan 0 Personal Loan 0 Three Wheeler 0 Used Two Wheeler 0 Used Car Loan 0 Others 100
Location Wise Break-Up	Location Wise Break-Up Maharashtra 69.4 Gujarat 24.03 Rajasthan 3.58 Chhattisgarh 2.84 Madhya Pradesh 0.15	-	-
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 Others 0.8	-	-
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	-	-