REC Ltd.

Financial

	REC	Bajaj Finance	Indian Ren. Energy
Operational Metrics
Banking Sector
Net Interest Margin	3.61 %	10.0 %	n/a
Fresh Slippages - Quarterly	379.18 Crs	n/a	n/a
NBFC
Tier I Capital	25.35 %	21.5 %	n/a
Cost of Borrowing	7.28 %	7.86 %	n/a
Capital to Risks Assets Ratio (CRAR)	28.21 %	22.5 %	n/a
Gross NPA	2.78 %	0.85 %	n/a
Net NPA	0.82 %	0.37 %	n/a
Financials
5 yr Average ROE	17.72 %	17.15 %	11.9 %
5yr average Equity Multiplier	8.72	5.17	9.56
5yr Average Asset Turnover Ratio	0.09	0.15	0.08
5yr Avg Net Profit Margin	23.32 %	21.63 %	15.94 %
5yr Avg Net Profit Margin	23.32 %	21.63 %	15.94 %
5yr CAGR Net Profit	14.23 %	23.56 %	-1.13 %
5yr CAGR Sales	9.21 %	17.48 %	12.45 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.1	5.56	5.7
P/E	10.32	29.52	38.95
Shareholdings
Promoter Holding	52.63 %	54.69 %	75.0 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-1.43 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.41 %	3.17 %	-2.34 %

Business

	REC	Bajaj Finance	Indian Ren. Energy
Product Wise Break-Up	Product Wise Break-Up Interest Income 98.01 Fees and Commission Income 0.44 Net gain/ (loss) on fair value changes 0 0 Dividend Income 0 Fee & commission 0 Interest income 0 Others 1.55	Product Wise Break-Up Dividend Income 0 Interest income 88.64 Fee & commission 8.87 Net gain/ (loss) on fair value changes 0 Interest Income 0 Fees and Commission Income 0 0 Others 2.49	Product Wise Break-Up Dividend Income 0 Interest income 0 Fee & commission 0 Net gain/ (loss) on fair value changes 0 Interest Income 98.44 Fees and Commission Income 0.89 0 Others 0.67
Loan Break-Up	Loan Break-Up Renewable Energy 57.0 Generation 20.0 Distribution 15.0 transmission 4.0 Loan From Banks 3.0 Infrastructure 1.0 Transmission & Distribution 0	-	Loan Break-Up Renewable Energy 0 Generation 0 Distribution 0 Loan From Banks 0 Transmission & Distribution 0 transmission 0 Infrastructure 0 Others 100
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Customer Segment	Customer Segment STATE 90.0 Private 10.0 Joint 0	-	-
Borrowings Break-Up	Borrowings Break-Up Institutional , Subordinate & Zero Coupon Bonds 41.0 Foreign Currency Borrowings 21.0 Banking 20.0 Capital Gain Bonds 9.0 Loans 6.0 Tax Free Bonds 2.0 Commercial Papers 1.0 Infra Bonds 0 External commercial borrowing 0 0 Overdraft facility 0 Working capital demand loans 0 Cash credit 0 Term loans from banks 0	Borrowings Break-Up Banking 0 Capital Gain Bonds 0 Loan From Banks 2.17 Foreign Currency Borrowings 0 Loans 0 Tax Free Bonds 0 Commercial Papers 0 Cash Credit 0.55 External Commercial Borrowings 1.79 Loan From Banks 85.5 0 Overdraft facility 0 Infra Bonds 0 Collateralized borrowing and lending obligation 9.99	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Transmission & distribution 53.0 Generation 29.0 Infrastructure 9.0 Renewable Energy 7.0 Loan From Banks 2.0 Mortgages 0 Loans against securities 0 Commercial lending 0 Rural B2C businesses 0 SME lending 0 Consumer B2C businesses 0 Consumer B2B - sales finance 0 Consumer B2B-auto finance business 0 Rural B2B – sales finance 0	AUM Break-Up - NBFC Loans against securities 6.67 Rural 1.88 Renewable Energy 0 Consumer Finance 7.09 Generation 0 Loan From Banks 0 Consumer Finance 5.97 Consumer Finance 19.99 Mortage 31.25 Transmission & distribution 0 Commercial Lending Business 6.66 Small & Medium Enterprises (SME) loans 11.64 Infrastructure 0 Rural 5.33 Others 3.52	-

REC Ltd.

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