PTC India Financial Services Ltd.

Financial

	PTC India Fin. Serv	Spandana Sphoorty	Tourism Finance Corp
Operational Metrics
Banking Sector
Net Interest Margin	4.68 %	11.3 %	5.07 %
Capital to Risks Assets Ratio (CRAR)	59.65 %	36.0 %	69.7 %
Tier I Capital	41.53 %	n/a	69.18 %
NBFC
Cost To Income Ratio	13.33 %	77.7 %	n/a
Cost of Borrowing	9.69 %	12.2 %	9.64 %
Gross NPA	8.46 %	4.85 %	3.22 %
Net NPA	4.74 %	0.98 %	1.61 %
Financials
5 yr Average ROE	5.14 %	7.01 %	9.41 %
5yr average Equity Multiplier	4.35	2.84	2.66
5yr Average Asset Turnover Ratio	0.1	0.19	0.11
5yr Avg Net Profit Margin	13.46 %	12.11 %	33.88 %
5yr Avg Net Profit Margin	13.46 %	12.11 %	33.88 %
5yr CAGR Net Profit	7.88 %	7.33 %	2.38 %
5yr CAGR Sales	-10.74 %	8.58 %	-2.77 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.85	0.58	1.95
P/E	10.73	0.0	18.33
Shareholdings
Promoter Holding	64.99 %	48.13 %	3.85 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-14.49 %	-24.58 %
Change in Mutual Fund Holding (3 Yrs)	2.1 %	0.31 %	0.0

Business

	PTC India Fin. Serv	Spandana Sphoorty	Tourism Finance Corp
Product Wise Break-Up	Product Wise Break-Up Interest Income 94.58 Fee and commission income 0.75 Sale of power 0.39 nbfc 0 Net gain on fair value changes 0 Commission income 0 Interest income 0 Net gain/(loss) on fair value changes 0 Fees & commission income 0 Dividend income 0 Others 4.28	Product Wise Break-Up Sale of power 0 Commission income 0 Net gain on fair value changes 8.83 nbfc 0 Fees & commission income 0 Net gain/(loss) on fair value changes 0 Interest Income 89.01 Fee and commission income 0 Dividend income 0 Interest Income 0 Others 2.16	Product Wise Break-Up Sale of power 0 Commission income 0 Net gain on fair value changes 0 nbfc 0 Fee & Commission income 3.62 Net gain on fair value changes 13.16 Interest Income 83.22 Fee and commission income 0 Dividend income 0 Interest Income 0
Loan Break-Up	Loan Break-Up Power 41.0 Renewable Energy 20.0 Transmission 13.0 Road 7.0 Thermal Projects 7.0 INFRA 4.0 Hydro 0 Social Infrastructure 0 Hotels 0 Others 8.0	-	Loan Break-Up Hotels 66.0 Transmission 0 Hydro 0 Social Infrastructure 3.0 Road 0 INFRA 0 Renewable Energy 0 Thermal Projects 0 Power 0 Others 31.0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 Chattisgarh 0 Rajasthan 0 Bihar 0 Gujarat 0 Kerala 0 Jharkhand 0 Andhra Pradesh 0 Maharashtra 0 Karnataka 0 Madhya Pradesh 0 Odisha 0	Location Wise Break-Up Karnataka 12.84 Odisha 20.6 Jharkhand 5.5 Madhya Pradesh 18.88 India 0 Chattisgarh 8.8 Rajasthan 2.24 Gujarat 3.22 Rest of the World 0 Kerala 3.93 Maharashtra 10.63 Andhra Pradesh 7.51 Bihar 2.91 Others 2.94	Location Wise Break-Up Karnataka 0 Odisha 0 Jharkhand 0 Madhya Pradesh 0 India 100.0 Chattisgarh 0 Rajasthan 0 Gujarat 0 Rest of the World 0 Kerala 0 Maharashtra 0 Andhra Pradesh 0 Bihar 0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 98.52 ECB 0.95 Commercial Papers 0 Bonds/Debentures 0 Cash credit from bank 0 0 Indian rupee loan from banks 0 Others 0.53	Borrowings Break-Up ECB 0 Loan From Banks 3.28 Loan From NBFC 18.7 Loan From Banks 78.01 Commercial Papers 0 Bonds/Debentures 0 Loan From Banks 0 Others 0.01	-
NPA Break-Up	NPA Break-Up Thermal and Hydro 82.0 Hydro 11.0 Others 6.0 Renewable Energy 1.0	-	-

PTC India Financial Services Ltd.

PTC India Financial Services Ltd.

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