PTC India Financial Services Ltd.

Financial

	PTC India Fin. Serv	Equitas Holdings	Fusion Micro Fin.
Operational Metrics
Banking Sector
Net Interest Margin	4.92 %	8.54 %	11.54 %
Capital to Risks Assets Ratio (CRAR)	44.45 %	20.93 %	27.9 %
Tier I Capital	32.41 %	20.16 %	26.59 %
NBFC
Cost To Income Ratio	10.25 %	58.15 %	36.8 %
Cost of Borrowing	8.89 %	6.78 %	10.4 %
Gross NPA	8.46 %	4.06 %	n/a
Net NPA	4.74 %	2.37 %	n/a
Financials
5 yr Average ROE	5.65 %	7.01 %	6.91 %
5yr average Equity Multiplier	5.17	7.21	4.38
5yr Average Asset Turnover Ratio	0.1	0.14	0.17
5yr Avg Net Profit Margin	12.0 %	6.44 %	9.73 %
5yr Avg Net Profit Margin	12.0 %	6.44 %	9.73 %
5yr CAGR Net Profit	-0.92 %	61.95 %	42.73 %
5yr CAGR Sales	-9.82 %	17.71 %	27.85 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.15	1.17	2.1
P/E	15.57	16.37	11.09
Shareholdings
Promoter Holding	64.99 %	0.0	57.71 %
Share Pledged by Promoters	0.0	0.0	2.78 %
Change in Promoter Holding (3 Yrs)	0.0	0.0	-10.47 %
Change in Mutual Fund Holding (3 Yrs)	-0.27 %	-2.23 %	6.79 %

Business

	PTC India Fin. Serv	Equitas Holdings	Fusion Micro Fin.
Product Wise Break-Up	Product Wise Break-Up Interest Income 9.81 Fee and commission income 1.73 Sale of power 0.36 Profit on sale of investment 0 Rental income 0 Net gain on fair value changes 0 Revenue from contract with customers 0 Others 88.1	Product Wise Break-Up Sale of power 0 Net gain on fair value changes 0.85 Rental income 0 Fee and commission income 0 Revenue from contract with customers 5.28 Interest Income 93.88 Profit on sale of investment 0	-
Loan Break-Up	Loan Break-Up Renewable Energy 29.0 Power 27.0 Transmission 18.0 Road 8.0 Thermal Projects 6.0 INFRA 3.0 Hydro 0 Financial Services 0 MSE & Financial Intermediaries 0 Business loan -Unsecured 0 Micro finance loan 0 Housing loan 0 Vehicle Finance loan 0 Micro and small enterprises loan 0 Others 9.0	Loan Break-Up Power 0 Road 0 Renewable Energy 0 Hydro 0 Corporate Banking 0.03 Thermal Projects 0 Home loans 7.09 Financial Services 0 Small & Medium Enterprises (SME) loans 18.94 Small & Medium Enterprises (SME) loans 38.91 INFRA 0 Transmission 0 Auto loans 24.56 MSE & Financial Intermediaries 8.92 Others 1.55	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 98.41 ECB 1.12 Commercial Papers 0 Bonds/Debentures 0 From Banks 0 Non-Convertible Debentures 0 Non-Banking Financial Institutions 0 Foreign-Bank 0 Private Sector Bank 0 Development financial Institutions 0 Public Sector Bank 0 Others 0.47	Borrowings Break-Up Non-Banking Financial Institutions 0 ECB 0 Loan From Banks 0 Foreign-Bank 0 Bonds/Debentures 0 Public Sector Bank 0 Commercial Papers 0 Non-Convertible Debentures 0 Private Sector Bank 0 Development financial Institutions 0 Loan From Banks 25.85 Others 74.15	Borrowings Break-Up Non-Banking Financial Institutions 4.7 ECB 0 Loan From Banks 0 Foreign-Bank 14.7 Bonds/Debentures 0 Public Sector Bank 30.2 Commercial Papers 0 Non-Convertible Debentures 0 Private Sector Bank 37.9 Development financial Institutions 8.3 From Banks 0 Others 4.2
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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