Shriram Finance Ltd.

Financial

	Shriram Finance	Chola Invest & Fin.	Muthoot Finance
Operational Metrics
Banking Sector
Net Interest Margin	8.11 %	8.0 %	11.27 %
Fresh Slippages - Quarterly	2691.12 Crs	n/a	n/a
NBFC
Cost of Borrowing	8.8 %	7.1 %	8.7 %
Capital to Risks Assets Ratio (CRAR)	20.79 %	19.75 %	23.71 %
Tier I Capital	20.16 %	14.41 %	22.95 %
Gross NPA	4.53 %	3.97 %	4.2 %
Net NPA	2.57 %	3.54 %	3.7 %
AUM - NBFC	272249.01 Crs	184746.0 Crs	122181.0 Crs
Cost To Income Ratio	29.29 %	n/a	26.0 %
Financials
5 yr Average ROE	13.54 %	17.64 %	21.25 %
5yr average Equity Multiplier	5.42	7.8	4.13
5yr Average Asset Turnover Ratio	0.14	0.12	0.16
5yr Avg Net Profit Margin	18.42 %	18.43 %	31.48 %
5yr Avg Net Profit Margin	18.42 %	18.43 %	31.48 %
5yr CAGR Net Profit	30.76 %	22.89 %	6.62 %
5yr CAGR Sales	19.13 %	22.09 %	9.31 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.1	5.14	3.57
P/E	12.25	27.31	19.67
Shareholdings
Promoter Holding	25.39 %	49.9 %	73.35 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.91 %	-1.62 %	-0.02 %
Change in Mutual Fund Holding (3 Yrs)	4.1 %	-6.69 %	1.01 %

Business

	Shriram Finance	Chola Invest & Fin.	Muthoot Finance
Loan Break-Up	Loan Break-Up Commercial vehicles 45.23 4 Wheeler 20.8 Micro, Small & Medium Enterprises 14.26 Construction Equipment`s 6.07 Two Wheelers 5.82 Personal Loans 3.79 Farm Equipment`s 2.14 Gold 1.89 Business loans 0 Tractors 0 M&LCVs 0 HCVs 0 Housing Loan 0 Personal Loan 0 Gold Loan 0 Non-Housing Loan 0 Micro finance Loan 0 Vehicle Loan 0	-	Loan Break-Up Two Wheelers 0 Non-Housing Loan 0 Business loans 0 Tractors 0 Gold Loan 87.33 Small & Medium Enterprises (SME) loans 6.41 Farm Equipment`s 0 Personal Loans 0 HCVs 0 Micro, Small & Medium Enterprises 0 Gold 0 Construction Equipment`s 0 Home loans 2.4 Auto loans 3.14 Commercial vehicles 0 Personal Loan 0 M&LCVs 0 4 Wheeler 0 Others 0.72
Product Wise Break-Up	Product Wise Break-Up Interest Income 96.86 Loan Against Property 0 Home Equity 0 Vehicle Finance 0 Service Charges 0 Sale of Services 0 Dividend Income 0 Others 3.14	Product Wise Break-Up LAP 19.53 Interest Income 0 Home loans 9.79 Sale of Services 0 Auto Loans 52.32 Service Charges 0 Dividend Income 0 Others 18.36	Product Wise Break-Up Loan Against Property 0 Interest Income 97.23 Home Equity 0 Sale of Services 0.03 Vehicle Finance 0 Service Charges 1.6 Dividend Income 0.01 Others 1.13
Product Wise Break-Up	Product Wise Break-Up Interest Income 96.86 Loan Against Property 0 Home Equity 0 Vehicle Finance 0 Service Charges 0 Sale of Services 0 Dividend Income 0 Others 3.14	Product Wise Break-Up LAP 19.53 Interest Income 0 Home loans 9.79 Sale of Services 0 Auto Loans 52.32 Service Charges 0 Dividend Income 0 Others 18.36	Product Wise Break-Up Loan Against Property 0 Interest Income 97.23 Home Equity 0 Sale of Services 0.03 Vehicle Finance 0 Service Charges 1.6 Dividend Income 0.01 Others 1.13
Product Wise Break-Up	Product Wise Break-Up Interest Income 96.86 Loan Against Property 0 Home Equity 0 Vehicle Finance 0 Service Charges 0 Sale of Services 0 Dividend Income 0 Others 3.14	Product Wise Break-Up LAP 19.53 Interest Income 0 Home loans 9.79 Sale of Services 0 Auto Loans 52.32 Service Charges 0 Dividend Income 0 Others 18.36	Product Wise Break-Up Loan Against Property 0 Interest Income 97.23 Home Equity 0 Sale of Services 0.03 Vehicle Finance 0 Service Charges 1.6 Dividend Income 0.01 Others 1.13
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 Rest of the World 0 East India 24.0 India 0 South India 30.0 North India 24.0 West India 22.0	Location Wise Break-Up Rest of the World 0 East India 0 India 100.0 South India 0 North India 0 West India 0
Borrowings Break-Up	Borrowings Break-Up Public Deposit 25.95 Loan From Banks 20.31 Securitisation 15.98 Subordinate Bonds 1.02 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 Subordinated Debt 0 Secured Non-Convertible Debentures 0 External Commercial Borrowings 0 Overdraft against Deposite 0 From Bank 0 Commercial Paper 0 Cash Credit/ Short term loan 0 Securitised Loans 0 Loans from related party 0 Pass through certificates payable 0 Loan from Financial Institutions 0 Term Loan from Bank 0 Others 36.74	Borrowings Break-Up Commercial paper 0 External Commercial Borrowings 0.66 Subordinated Debt 0 Pass through certificates payable 0 Securitisation 19.93 Loan From Banks 0 Loans from related party 0 Sub‐ordinated Debt 0 Overdraft against Deposite 0 Commercial Paper 0 Secured Non-Convertible Debentures 0 Working Capital Demand Loans (incl CC) 0 Perpetual Debt Instruments 0 Bonds 0 Term Loan from Bank 0 Cash Credit/ Short term loan 0 Bank Loan 66.38 Loan from Financial Institutions 0 Securitised Loans 0 Subordinate Bonds 0 Public Deposit 0 Commercial Papers 0 Non‐Convertible Debentures 0 From Bank 0 Others 13.03	Borrowings Break-Up Commercial paper 0 External Commercial Borrowings 0 Subordinated Debt 0 Pass through certificates payable 0 Securitisation 0 Loan From Banks 0 Loans from related party 0 Sub‐ordinated Debt 0 Overdraft against Deposite 0 Commercial Papers 6.93 Secured Non-Convertible Debentures 26.2 Working Capital Demand Loans (incl CC) 0 Perpetual Debt Instruments 0 Bonds 0 Term Loan from Bank 0 Cash Credit/ Short term loan 0 Bank Term Loans 0 Loan from Financial Institutions 0 Securitised Loans 0 Subordinate Bonds 0 Public Deposit 0 Commercial Papers 0 Non‐Convertible Debentures 0 Loan From Banks 52.95 Others 13.92
Rural vs Urban	Rural vs Urban Rural 49.66 Urban 11.99 Others 38.35	-	-
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise India 100.0	-	-

Shriram Finance Ltd.

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