MAS Financial Services Ltd. benchmarking: Performance to industry peers

Financial

	MAS Financial Serv	Paisalo Digital	Bengal & Assam Co
Operational Metrics
Banks
Net Interest Margin	7.8 %	6.83 %	n/a
Fresh Slippages - Quarterly	47.14 Crs	n/a	n/a
NBFC
Cost of Borrowing	9.39 %	n/a	n/a
AUM - NBFC	14363.7 Crs	6100.9 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	22.84 %	35.8 %	543.5 %
Tier I Capital	21.5 %	28.9 %	n/a
Gross NPA	2.57 %	0.76 %	n/a
Net NPA	1.7 %	0.61 %	n/a
Financials
5 yr Average ROE	12.68 %	9.8 %	18.85 %
5yr average Equity Multiplier	5.03	3.01	2.54
5yr Average Asset Turnover Ratio	0.12	0.15	0.79
5yr Avg Net Profit Margin	21.17 %	21.97 %	15.95 %
Price to Book	1.94	2.98	0.68
P/E	15.88	22.78	60.42
5yr Avg Cash Conversion Cycle	1.28 Days	n/a	n/a
Inventory Days	0.0	n/a	n/a
Days Receivable	1.28 Days	n/a	n/a
Days Payable	0.0	n/a	n/a
5yr Average Interest Coverage Ratio	1.58	n/a	n/a
5yr Avg ROCE	13.98 %	n/a	n/a
5yr Avg Operating Profit Margin	77.95 %	n/a	n/a
5 yr average Debt to Equity	3.6	n/a	n/a
5yr CAGR Net Profit	16.54 %	n/a	n/a
5yr Average Return on Assets	2.52 %	n/a	n/a
Shareholdings
Promoter Holding	66.65 %	41.75 %	72.87 %
Share Pledged by Promoters	0.0	21.73 %	0.0
Change in Promoter Holding (3 Yrs)	-7.08 %	-4.17 %	0.21 %
Change in Mutual Fund Holding (3 Yrs)	4.39 %	0.0	0.0

Business

	MAS Financial Serv	Paisalo Digital	Bengal & Assam Co
Product Wise Break-Up	Product Wise Break-Up Interest Income 82.9 Gain On Assignment Of Financial Assets 13.3 Fees and Commission Income 3.78 Financing activities (NBFC) 0 Cement 0 Paper 0 Dairy Products 0 Tyre 0 Polymer 0 Investment 0 Others 0.02	Product Wise Break-Up Investment 0 Polymer 0 Fees and Commission Income 0 Dairy Products 0 Tyre 0 Interest Income 0 Paper 0 NBFC 100.0 Cement 0 Gain On Assignment Of Financial Assets 0	Product Wise Break-Up Investment 0 Polymer Product 71.08 Fees and Commission Income 0 Dairy Products 0 Tyres 5.92 Interest Income 0 Paper 1.36 Financing activities (NBFC) 0 Cement 1.84 Gain On Assignment Of Financial Assets 0 Others 19.8
Loan Break-Up	Loan Break-Up Small & Medium Enterprises (SME) loans 39.9 Small & Medium Enterprises (SME) loans 36.3 Salaried Personal Loans 8.8 Commercial Vehicle Loans 7.6 2 Wheeler Loans 7.4	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 International 0 Domestic 0	Location Wise Break-Up India 100.0 Domestic 0 International 0 Rest of the World 0	Location Wise Break-Up India 0 Domestic 79.4 International 20.6 Rest of the World 0
Customer Segment	Customer Segment Consumer Finance 100.0	-	-
AUM Break-Up	AUM Break-Up On Book 73.42 Off Book 26.58	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 48.36 Direct Assignment (incl. co-lending) 22.81 Non-Convertible Debentures 15.0 Loan From Banks 11.02 0 Loans repayable on demand 0 Loans from related parties 0 Others 2.81	Borrowings Break-Up Non-Convertible Debentures 0 Loans from related parties 0 Loans repayable on demand from banks 18.32 0 Direct Assignment (incl. co-lending) 0 Loan From Banks 0 Others 81.68	-

MAS Financial Services Ltd.

MAS Financial Services Ltd.

Financial

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