Religare Enterprises Ltd.

Financial

	Religare Enterprises	Bengal & Assam	SBFC Finance
Operational Metrics
Banking Sector
Net NPA	n/a	n/a	1.57 %
Gross NPA	8.6 %	n/a	2.78 %
General Insurance Sector
Monthly Gross Direct Premium Income (GDPI)	680.24 Crs	n/a	n/a
Risk Retention Ratio	86.0 %	n/a	n/a
Yield On Total Investments - General Insurance	5.2 %	n/a	n/a
Float	3343.65 Crs	n/a	n/a
Combined Ratio	90.0 %	n/a	n/a
NBFC
Capital to Risks Assets Ratio (CRAR)	n/a	599.88 %	34.3 %
Financials
5 yr Average ROE	94.73 %	20.05 %	8.26 %
5yr average Equity Multiplier	-19.93	3.15	3.09
5yr Average Asset Turnover Ratio	0.44	0.91	0.13
5yr Avg Net Profit Margin	-7.61 %	9.89 %	20.59 %
Price to Book	3.35	0.92	3.49
P/E	67.27	12.31	32.29
5yr Avg Cash Conversion Cycle	12.4 Days	n/a	4.55 Days
Inventory Days	0.06 Days	n/a	0.0
Days Receivable	12.31 Days	n/a	4.55 Days
Days Payable	86.69 Days	n/a	0.0
5yr Average Interest Coverage Ratio	2.17	n/a	1.67
5yr Avg ROCE	2.95 %	n/a	8.66 %
5yr Avg Operating Profit Margin	-0.74 %	n/a	64.91 %
5 yr average Debt to Equity	-11.05	n/a	1.96
5yr CAGR Net Profit	n/a	n/a	29.73 %
5yr Average Return on Assets	1.14 %	n/a	2.39 %
Shareholdings
Promoter Holding	25.83 %	73.11 %	53.19 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	25.83 %	0.45 %	-10.86 %
Change in Mutual Fund Holding (3 Yrs)	6.18 %	0.0	3.72 %

Business

	Religare Enterprises	Bengal & Assam	SBFC Finance
Segment Break-Up	Segment Break-Up Insurance 94.68 Broking 3.13 Investment services 1.13 E-Goverance 0.93 Financial Advisory Services 0 Others 0.13	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 International 0 Domestic 0	Location Wise Break-Up International 17.95 Domestic 82.05 India 0 Rest of the World 0	-
Operating Profit Break-Up	Operating Profit Break-Up Insurance 82.82 Investment and Financing Activities 14.93 E-Goverance 2.24 Financial Advisory Services 0 Broking Related Activities 0 Others 0.01	-	-
Borrowings Break-Up	Borrowings Break-Up Secured 100.0 Un Secured 0	-	-
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Health 95.87 PERSONAL ACCIDENT 2.95 Others 1.18	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Insurance 82.36 Broking Related Activities 9.36 Investment and Financing Activities 7.56 E-Goverance 0.25 Financial Advisory Services 0 Others 0.47	-	-