Repco Home Finance Ltd.

Financial

	Repco Home Finance	Edelweiss Financial	HDFC-Amalgamated
Operational Metrics
Banking Sector
Net Interest Margin	5.3 %	0.2 %	n/a
Net NPA	1.9 %	n/a	n/a
NBFC
Cost of Borrowing	8.4 %	10.5 %	n/a
Capital to Risks Assets Ratio (CRAR)	34.7 %	39.8 %	n/a
Tier I Capital	34.7 %	16.2 %	n/a
Gross NPA	4.7 %	2.69 %	n/a
AUM - NBFC	13185.5 Crs	6950.0 Crs	n/a
Cost To Income Ratio	22.0 %	76.0 %	n/a
Financials
5 yr Average ROE	13.44 %	-1.68 %	13.81 %
5yr average Equity Multiplier	5.93	7.34	5.69
5yr Average Asset Turnover Ratio	0.11	0.18	0.15
5yr Avg Net Profit Margin	20.93 %	-0.42 %	16.24 %
5yr Avg Net Profit Margin	20.93 %	-0.42 %	16.24 %
5yr CAGR Net Profit	4.89 %	-19.13 %	13.53 %
5yr CAGR Sales	1.68 %	-5.02 %	11.37 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.17	1.65	2.52
P/E	8.38	18.13	19.44
Shareholdings
Promoter Holding	37.13 %	32.76 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-0.12 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-2.86 %	-1.79 %	5.17 %

Business

	Repco Home Finance	Edelweiss Financial	HDFC-Amalgamated
Segment Break-Up	Segment Break-Up Housing Finance 100.0 Treasury 0 Asset Reconstruction business 0 Insurance Business 0 Capital based 0 Agency 0 Asset Management 0 General Insurance 0 Life Insurance 0 Loans 0	Segment Break-Up Loans 0 Treasury Operations 13.77 Insurance 35.78 Housing Finance 0 Life Insurance 0 General Insurance 0 Agency 8.15 Asset Management 0 Asset Reconstruction 22.12 Capital based 19.85 Others 0.33	Segment Break-Up Loans 39.17 Treasury 0 Insurance Business 0 Housing Finance 0 Life Insurance 43.79 General Insurance 14.74 Agency 0 Asset Management 1.47 Asset Reconstruction business 0 Capital based 0 Others 0.83
Location Wise Break-Up	Location Wise Break-Up Tamil Nadu 57.0 Karnataka 13.0 Maharashtra 9.0 Andhra Pradesh 6.0 Telangana 5.0 Rest of India 4.0 Gujarat 3.0 Kerala 3.0 India 0 Mauritius 0 Singapore 0 UAE 0 West 0 East 0 South 0 North 0	Location Wise Break-Up Karnataka 0 Telangana 0 UAE 0 Mauritius 0 Tamil Nadu 0 Maharashtra 0 South 0 Andhra Pradesh 0 Kerala 0 East 0 Rest of India 0 India 100.0 North 0 Singapore 0 West 0 Gujarat 0	Location Wise Break-Up Karnataka 0 Telangana 0 UAE 0 Mauritius 0 Tamil Nadu 0 Maharashtra 0 South India 35.0 Andhra Pradesh 0 Kerala 0 East India 4.0 Rest of India 0 India 0 North India 27.0 Singapore 0 West India 34.0 Gujarat 0
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Commercial Banks 77.72 National Housing Bank 11.95 Repco Bank 10.33 CPs 0 NCDs 0	-	-
Operating Profit Break-Up	Operating Profit Break-Up Asset management 0 General Insurance 0 Life Insurance 0 Loans 0 Others 100	-	Operating Profit Break-Up Life Insurance 4.82 General Insurance 3.28 Loans 83.12 Asset management 6.36 Others 2.42
Customer Segment	Customer Segment Non-Salaried 51.3 Salaried 48.7 LIG/EWS 0 MIG 0 EWS 0 HIG 0	-	Customer Segment Salaried 0 MIG 38.0 EWS 0 LIG 9.0 Non-Salaried 0 HIG 53.0
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Home loans 75.6 Loan Against Property 24.4	-	-

Repco Home Finance Ltd.

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