SBI Cards And Payment Services Ltd.

Financial

	SBI Cards AndPayment	Sundaram Finance	REC
Operational Metrics
Banking Sector
Net Interest Margin	11.2 %	4.8 %	3.63 %
Gross NPA	3.07 %	n/a	n/a
Interest Income Yield - Credit Cards	17.0 %	n/a	n/a
Cards In Force	21200.0 Thousands	n/a	n/a
30 Day Spend Active Rate	52.0 %	n/a	n/a
Receivable Per Card	26710.0 Rs	n/a	n/a
Online Spend as a % of Total Spend	60.7 %	n/a	n/a
Cost To Income Ratio	50.3 %	34.69 %	n/a
Capital to Risks Assets Ratio (CRAR)	23.2 %	20.5 %	25.99 %
NBFC
Cost of Borrowing	7.1 %	6.3 %	7.11 %
Net NPA	1.42 %	0.63 %	0.38 %
Unclassified
Tier 2 Capital	5.3 %	n/a	n/a
Tier I Capital	17.9 %	16.8 %	23.76 %
Financials
5 yr Average ROE	20.54 %	13.32 %	18.47 %
5yr average Equity Multiplier	4.55	5.92	8.58
5yr Average Asset Turnover Ratio	0.32	0.11	0.09
5yr Avg Net Profit Margin	13.97 %	21.2 %	24.76 %
5yr Avg Net Profit Margin	13.97 %	21.2 %	24.76 %
5yr CAGR Net Profit	14.25 %	12.65 %	23.26 %
5yr CAGR Sales	13.92 %	8.89 %	10.27 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	5.58	3.95	1.33
P/E	40.95	27.7	6.16
Shareholdings
Promoter Holding	68.59 %	37.22 %	52.63 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.05 %	-1.27 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-1.5 %	-7.07 %	1.23 %

Business

	SBI Cards AndPayment	Sundaram Finance	REC
Product Wise Break-Up	Product Wise Break-Up Interest Income 51.0 Spend based 24.0 Instance based & other 19.0 Subscription 6.0 Lease Rental 0 Dividend 0 Fees and Commission Income 0 Net gain/ (loss) on fair value changes 0 0 Dividend Income 0	Product Wise Break-Up Dividend 0.45 Fees and Commission 4.21 Dividend Income 0 0 Interest Income 83.16 Instance based & other 0 Lease Rental 2.64 Subscription 0 Net gain/ (loss) on fair value changes 0 Spend based 0 Others 9.54	Product Wise Break-Up Dividend 0 Fees and Commission Income 0 Dividend Income 0 0 Interest Income 97.99 Instance based & other 0 Lease Rental 0 Subscription 0 Net gain/ (loss) on fair value changes 2.01 Spend based 0
Location Wise Break-Up	Location Wise Break-Up Tier I 35.0 Tier Iii 26.0 Tier Ii 22.0 East India 0 West India 0 North India 0 South India 0 India 0 Others 17.0	Location Wise Break-Up Tier I 0 North India 27.4 Tier Iii 0 South India 56.0 India 0 Tier Ii 0 West India 12.3 East India 4.3	Location Wise Break-Up Tier I 0 North India 0 Tier Iii 0 South India 0 India 100.0 Tier Ii 0 West India 0 East India 0
Customer Segment	Customer Segment Salaried 61.0 Self-Employed 39.0 Private 0 Joint 0 State 0	-	Customer Segment Private 13.0 Self-Employed 0 Salaried 0 Joint 0 STATE 87.0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 67.0 Term Loans 17.0 Debenture 12.0 Commercial Papers 4.0 WC Loans 0 NHB 0 Comercial paper 0 Securitisation Deposits 0 Bank Borrowing 0 Debenture 0 Infra Bonds 0 Banks , Fis , Govt. & etc. 0 Tax Free Bonds 0 Capital Gain Bonds 0 FCNR (B) Loans 0 Foreign Currency Borrowings 0 0	Borrowings Break-Up Infra Bonds 0 Commercial Papers 0 Capital Gain Bonds 0 FCNR (B) Loans 0 0 Banks , Fis , Govt. & etc. 0 WC Loans 0 NHB 0 Foreign Currency Borrowings 0 Loan From Banks 0 Term Loans 0 Bank Borrowing 39.0 Tax Free Bonds 0 Securitisation 10.4 Comercial paper 4.1 Debenture 32.3 Others 14.2	Borrowings Break-Up Infra Bonds 0 Commercial Papers 0 Capital Gain Bonds 9.0 Loans 9.0 Institutional , Subordinate & Zero Coupon Bonds 42.0 Banking 11.0 WC Loans 0 NHB 0 Foreign Currency Borrowings 26.0 Loan From Banks 0 Term Loans 0 Bank Borrowing 0 Tax Free Bonds 2.0 Securitisation Deposits 0 Comercial paper 0 Debenture 0 Others 1.0
Recievable Mix	Recievable Mix Transactor 40.0 Loan From Banks 36.0 Revolver 24.0 RBI RE 0	-	-

SBI Cards And Payment Services Ltd.

SBI Cards And Payment Services Ltd.

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