Shriram Finance Ltd.

Financial

	Shriram Finance	Chola Invest & Fin.	Power Finance Corp
Operational Metrics
Banking Sector
Net Interest Margin	8.25 %	8.0 %	3.64 %
Fresh Slippages - Quarterly	2581.89 Crs	n/a	n/a
NBFC
Cost of Borrowing	8.8 %	7.1 %	7.44 %
Capital to Risks Assets Ratio (CRAR)	20.66 %	19.75 %	22.08 %
Tier I Capital	20.03 %	14.41 %	19.07 %
Gross NPA	4.55 %	3.97 %	1.94 %
Net NPA	2.64 %	3.54 %	0.39 %
AUM - NBFC	263190.27 Crs	184746.0 Crs	543120.0 Crs
Cost To Income Ratio	27.65 %	n/a	n/a
Financials
5 yr Average ROE	12.93 %	16.61 %	18.34 %
5yr average Equity Multiplier	5.76	7.65	11.66
5yr Average Asset Turnover Ratio	0.14	0.12	0.09
5yr Avg Net Profit Margin	16.72 %	17.55 %	17.68 %
5yr Avg Net Profit Margin	16.72 %	17.55 %	17.68 %
5yr CAGR Net Profit	24.0 %	26.55 %	22.64 %
5yr CAGR Sales	17.05 %	17.39 %	8.21 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.25	5.56	1.14
P/E	13.03	30.89	7.73
Shareholdings
Promoter Holding	25.4 %	49.92 %	55.99 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.05 %	-1.63 %	0.0
Change in Mutual Fund Holding (3 Yrs)	4.68 %	-7.08 %	-2.23 %

Business

	Shriram Finance	Chola Invest & Fin.	Power Finance Corp
Product Wise Break-Up	Product Wise Break-Up Interest Income 94.2 Loan Against Property 0 Home Equity 0 Vehicle Finance 0 Fees and Commission Income 0 Dividend Income 0 Others 5.8	Product Wise Break-Up Dividend Income 0 Fees and Commission Income 0 LAP 18.32 Home loans 9.8 Interest Income 0 Auto Loans 53.24 Others 18.64	Product Wise Break-Up Dividend 0.08 Fee & Commission income 0.99 Loan Against Property 0 Home Equity 0 Interest Income 97.99 Vehicle Finance 0 Others 0.94
Product Wise Break-Up	Product Wise Break-Up Interest Income 94.2 Loan Against Property 0 Home Equity 0 Vehicle Finance 0 Fees and Commission Income 0 Dividend Income 0 Others 5.8	Product Wise Break-Up Dividend Income 0 Fees and Commission Income 0 LAP 18.32 Home loans 9.8 Interest Income 0 Auto Loans 53.24 Others 18.64	Product Wise Break-Up Dividend 0.08 Fee & Commission income 0.99 Loan Against Property 0 Home Equity 0 Interest Income 97.99 Vehicle Finance 0 Others 0.94
Product Wise Break-Up	Product Wise Break-Up Interest Income 94.2 Loan Against Property 0 Home Equity 0 Vehicle Finance 0 Fees and Commission Income 0 Dividend Income 0 Others 5.8	Product Wise Break-Up Dividend Income 0 Fees and Commission Income 0 LAP 18.32 Home loans 9.8 Interest Income 0 Auto Loans 53.24 Others 18.64	Product Wise Break-Up Dividend 0.08 Fee & Commission income 0.99 Loan Against Property 0 Home Equity 0 Interest Income 97.99 Vehicle Finance 0 Others 0.94
Loan Break-Up	Loan Break-Up Commercial vehicles 45.05 4 Wheeler 20.56 Micro, Small & Medium Enterprises 14.22 Construction Equipment`s 6.79 Two Wheelers 5.92 Personal Loans 3.64 Farm Equipment`s 1.98 Gold 1.84 Business loans 0 Tractors 0 M&LCVs 0 HCVs 0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 West India 0 East India 0 South India 0 North India 0	Location Wise Break-Up South India 30.0 North India 24.0 Rest of the World 0 West India 22.0 India 0 East India 24.0	Location Wise Break-Up South India 0 North India 0 Rest of the World 0 West India 0 India 100.0 East India 0
Borrowings Break-Up	Borrowings Break-Up Public Deposit 23.95 Loan From Banks 21.07 Securitisation 16.25 Subordinate Bonds 1.07 Bonds 0 Commercial paper 0 Perpetual Debt Instruments 0 Working Capital Demand Loans (incl CC) 0 Sub‐ordinated Debt 0 Commercial Papers 0 Non‐Convertible Debentures 0 Bank Term Loans 0 Borrowings outside India 0 Borrowings in India 0 Others 37.66	Borrowings Break-Up Sub‐ordinated Debt 0 Securitisation 0 Subordinate Bonds 0 Commercial paper 0 Working Capital Demand Loans (incl CC) 0 Non‐Convertible Debentures 0 Public Deposit 0 Bank Loan 59.44 Borrowings in India 0 Commercial Papers 0 Borrowings outside India 0 Perpetual Debt Instruments 0 Loan From Banks 0 Bonds 0 Others 40.56	Borrowings Break-Up Sub‐ordinated Debt 0 Securitisation 0 Subordinate Bonds 0 Commercial paper 0 Working Capital Demand Loans (incl CC) 0 Non‐Convertible Debentures 0 Public Deposit 0 Bank Term Loans 0 Borrowings in India 64.73 Commercial Papers 0 Borrowings outside India 35.27 Perpetual Debt Instruments 0 Loan From Banks 0 Bonds 0
Rural vs Urban	Rural vs Urban Rural 50.41 Urban 15.11 Others 34.48	-	-

Shriram Finance Ltd.

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