MAS Financial Services Ltd. benchmarking: Perfomance to industry peers

Financial

	MAS Financial Serv	Paisalo Digital	Tourism Finance Corp
Operational Metrics
Banking Sector
Net Interest Margin	6.8 %	6.5 %	6.02 %
Fresh Slippages - Quarterly	47.14 Crs	n/a	13.01 Crs
NBFC
Cost of Borrowing	9.8 %	n/a	9.63 %
AUM - NBFC	12504.6 Crs	5230.2 Crs	1711.67 Crs
Capital to Risks Assets Ratio (CRAR)	25.22 %	39.5 %	62.68 %
Tier I Capital	23.19 %	30.4 %	61.28 %
Gross NPA	2.49 %	0.85 %	0.24 %
Net NPA	1.63 %	0.68 %	0.0
Financials
5 yr Average ROE	12.68 %	9.8 %	9.39 %
5yr average Equity Multiplier	5.03	3.01	2.54
5yr Average Asset Turnover Ratio	0.12	0.15	0.11
5yr Avg Net Profit Margin	21.17 %	21.97 %	34.53 %
5yr Avg Net Profit Margin	21.17 %	21.97 %	34.53 %
5yr CAGR Net Profit	16.54 %	28.12 %	5.08 %
5yr CAGR Sales	20.58 %	17.38 %	-1.36 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.13	2.36	2.79
P/E	17.18	17.58	31.19
Shareholdings
Promoter Holding	66.63 %	41.16 %	3.85 %
Share Pledged by Promoters	0.0	22.71 %	0.0
Change in Promoter Holding (3 Yrs)	-7.08 %	-4.76 %	-12.98 %
Change in Mutual Fund Holding (3 Yrs)	4.65 %	0.0	0.0

Business

	MAS Financial Serv	Paisalo Digital	Tourism Finance Corp
Product Wise Break-Up	Product Wise Break-Up Interest Income 83.44 Gain On Assignment Of Financial Assets 9.58 Fees and Commission Income 6.53 Financing activities (NBFC) 0 Net gain/(loss) on fair value changes 0 Fees & commission income 0 Dividend income 0 Interest income 0 Others 0.45	Product Wise Break-Up Fees and Commission Income 0 Interest Income 0 Net gain/(loss) on fair value changes 0 Gain On Assignment Of Financial Assets 0 Fees & commission income 0 NBFC 100.0 Dividend income 0 Interest income 0	Product Wise Break-Up Fees and Commission Income 0 Interest Income 0 Net gain on fair value changes 7.83 Gain On Assignment Of Financial Assets 0 Fee & Commission income 4.12 Financing activities (NBFC) 0 Dividend income 0 Interest Income 84.85 Others 3.2
Loan Break-Up	Loan Break-Up Small & Medium Enterprises (SME) loans 40.1 Small & Medium Enterprises (SME) loans 36.2 Salaried Personal Loans 9.0 Commercial Vehicle Loans 7.7 2 Wheeler Loans 7.0 Social Infrastructure 0 Hotels 0	-	Loan Break-Up 2 Wheeler Loans 0 Small & Medium Enterprises (SME) loans 0 Hotels 63.0 Social Infrastructure 2.0 Commercial Vehicle Loans 0 Salaried Personal Loans 0 Others 35.0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Customer Segment	Customer Segment Consumer Finance 100.0	-	-
AUM Break-Up	AUM Break-Up On Book 72.73 Off Book 27.27	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 51.62 Direct Assignment (incl. co-lending) 21.16 Non-Convertible Debentures 14.43 Loan From Banks 10.08 0 Loans repayable on demand 0 Loans from related parties 0 Others 2.71	Borrowings Break-Up 0 Loans from related parties 0 Direct Assignment (incl. co-lending) 0 Loan From Banks 0 Loans repayable on demand from banks 18.32 Non-Convertible Debentures 0 Others 81.68	-

MAS Financial Services Ltd.

MAS Financial Services Ltd.

Financial

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