SG Finserve Ltd.

Financial

	SG Finserve	Muthoot Microfin	Summit Securities
Operational Metrics
Banking Sector
Net Interest Margin	5.5 %	12.4 %	n/a
Gross NPA	0.0	4.84 %	n/a
NBFC
Tier I Capital	47.43 %	28.97 %	n/a
AUM - NBFC	1673.0 Crs	12356.7 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	47.83 %	27.9 %	n/a
Financials
5 yr Average ROE	5.2 %	6.49 %	1.24 %
5yr average Equity Multiplier	1.46	4.55	1.1
5yr Average Asset Turnover Ratio	0.08	0.18	0.02
5yr Avg Net Profit Margin	-350.78 %	8.02 %	73.46 %
5yr Avg Net Profit Margin	-350.78 %	8.02 %	73.46 %
5yr CAGR Net Profit	n/a	89.89 %	1.0 %
5yr CAGR Sales	229.29 %	21.4 %	4.53 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.37	0.84	0.23
P/E	29.74	0.0	75.23
Shareholdings
Promoter Holding	48.38 %	55.47 %	74.65 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-7.87 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	SG Finserve	Muthoot Microfin	Summit Securities
Product Wise Break-Up	Product Wise Break-Up Interest Income 93.93 Processing fees and documentation charges 4.01 Interest on deposits with Banks 2.06 Micro Loans 0 Share of profit LLP 0 Dividend Income 0 Net Gain on Sale of Investment 0	Product Wise Break-Up Micro Loans 100.0 0 Interest Income 0 Net Gain on Sale of Investment 0 Dividend Income 0 Interest on deposits with Banks 0 Share of profit LLP 0	Product Wise Break-Up Micro Loans 0 0 Interest Income 9.75 Net Gain on Sale of Investment 0 Dividend 90.24 Interest on deposits with Banks 0 Share of profit LLP 0 Others 0.01
Segment Break-Up	Segment Break-Up Channel Financing 100.0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 West India 0 East India 0 North India 0 South India 0	Location Wise Break-Up India 0 East India 14.52 West India 8.55 North India 26.44 South India 50.49	Location Wise Break-Up India 100.0 East India 0 West India 0 North India 0 South India 0