Muthoot Microfin Ltd.

Financial

	Muthoot Microfin	SG Finserve	Summit Securities
Operational Metrics
Banking Sector
Net NPA	1.34 %	n/a	n/a
Gross NPA	4.84 %	0.0	n/a
Net Interest Margin	12.4 %	5.5 %	n/a
Building Materials
Cost of Borrowing	11.0 %	n/a	n/a
NBFC
AUM - NBFC	12356.7 Crs	1673.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	27.9 %	47.83 %	n/a
Cost To Income Ratio	46.9 %	n/a	n/a
Tier I Capital	28.97 %	47.43 %	n/a
Average Ticket Size - NBFC	38.48 Ths	n/a	n/a
Financials
5 yr Average ROE	6.49 %	5.2 %	1.24 %
5yr average Equity Multiplier	4.55	1.46	1.1
5yr Average Asset Turnover Ratio	0.18	0.08	0.02
5yr Avg Net Profit Margin	8.02 %	-350.78 %	73.46 %
5yr Avg Net Profit Margin	8.02 %	-350.78 %	73.46 %
5yr CAGR Net Profit	89.89 %	n/a	1.0 %
5yr CAGR Sales	21.4 %	229.29 %	4.53 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.91	2.31	0.23
P/E	0.0	28.96	33.32
Shareholdings
Promoter Holding	55.47 %	48.38 %	74.65 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-7.87 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	Muthoot Microfin	SG Finserve	Summit Securities
Product Wise Break-Up	Product Wise Break-Up Micro Loans 100.0 0 Interest on deposits with Banks 0 Interest Income 0 Share of profit LLP 0 Dividend Income 0 Net Gain on Sale of Investment 0	Product Wise Break-Up Interest Income 93.93 Micro Loans 0 Net Gain on Sale of Investment 0 Share of profit LLP 0 Interest on deposits with Banks 2.06 Processing fees and documentation charges 4.01 Dividend Income 0	Product Wise Break-Up Interest Income 9.75 Micro Loans 0 Net Gain on Sale of Investment 0 Share of profit LLP 0 Interest on deposits with Banks 0 0 Dividend 90.24 Others 0.01
Loan Break-Up	Loan Break-Up Rural 95.0 Urban 5.0	-	-
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Banks 53.13 Financial Institutions 20.07 Borrowings under Securitization 19.22 Redeemable Non-convertible Debentures 0 Others 7.58	-	-
Location Wise Break-Up	Location Wise Break-Up South India 50.49 North India 26.44 East India 14.52 West India 8.55 India 0	Location Wise Break-Up North India 0 India 100.0 East India 0 West India 0 South India 0	Location Wise Break-Up North India 0 India 100.0 East India 0 West India 0 South India 0
Verticals	Verticals Animal Husbandry Loan 30.52 Agriculture Loan 30.35 Services Loan 24.76 Trading Loan 8.25 Manufacturing Loan 5.2 Consumption Loan 0.63 Education Loan 0 Sanitation Loan 0 Others 0.29	-	-