Shriram Finance Ltd.

Financial

	Shriram Finance	REC	Chola Invest & Fin.
Operational Metrics
Banking Sector
Net Interest Margin	8.25 %	3.66 %	8.0 %
Fresh Slippages - Quarterly	2581.89 Crs	379.18 Crs	n/a
NBFC
Cost of Borrowing	8.8 %	7.18 %	7.1 %
Capital to Risks Assets Ratio (CRAR)	20.66 %	25.33 %	19.75 %
Tier I Capital	20.03 %	22.95 %	14.41 %
Gross NPA	4.55 %	1.95 %	3.97 %
Net NPA	2.64 %	0.74 %	3.54 %
AUM - NBFC	263190.27 Crs	n/a	184746.0 Crs
Cost To Income Ratio	27.65 %	n/a	n/a
Financials
5 yr Average ROE	12.93 %	18.47 %	16.61 %
5yr average Equity Multiplier	5.76	8.58	7.65
5yr Average Asset Turnover Ratio	0.14	0.09	0.12
5yr Avg Net Profit Margin	16.72 %	24.76 %	17.55 %
5yr Avg Net Profit Margin	16.72 %	24.76 %	17.55 %
5yr CAGR Net Profit	24.0 %	23.26 %	26.55 %
5yr CAGR Sales	17.05 %	10.27 %	17.39 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.05	1.54	5.27
P/E	12.1	7.24	29.27
Shareholdings
Promoter Holding	25.4 %	52.63 %	49.92 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.05 %	0.0	-1.63 %
Change in Mutual Fund Holding (3 Yrs)	4.68 %	-0.39 %	-7.08 %

Business

	Shriram Finance	REC	Chola Invest & Fin.
Product Wise Break-Up	Product Wise Break-Up Interest Income 94.2 Net gain/ (loss) on fair value changes 0 0 Fees and Commission Income 0 Dividend Income 0 Loan Against Property 0 Home Equity 0 Vehicle Finance 0 Others 5.8	Product Wise Break-Up Loan Against Property 0 Interest Income 97.79 0 Dividend Income 0 Vehicle Finance 0 Home Equity 0 Fees and Commission Income 0 Net gain/ (loss) on fair value changes 2.21	Product Wise Break-Up LAP 18.32 Interest Income 0 0 Dividend Income 0 Auto Loans 53.24 Home loans 9.8 Fees and Commission Income 0 Net gain/ (loss) on fair value changes 0 Others 18.64
Product Wise Break-Up	Product Wise Break-Up Interest Income 94.2 Net gain/ (loss) on fair value changes 0 0 Fees and Commission Income 0 Dividend Income 0 Loan Against Property 0 Home Equity 0 Vehicle Finance 0 Others 5.8	Product Wise Break-Up Loan Against Property 0 Interest Income 97.79 0 Dividend Income 0 Vehicle Finance 0 Home Equity 0 Fees and Commission Income 0 Net gain/ (loss) on fair value changes 2.21	Product Wise Break-Up LAP 18.32 Interest Income 0 0 Dividend Income 0 Auto Loans 53.24 Home loans 9.8 Fees and Commission Income 0 Net gain/ (loss) on fair value changes 0 Others 18.64
Product Wise Break-Up	Product Wise Break-Up Interest Income 94.2 Net gain/ (loss) on fair value changes 0 0 Fees and Commission Income 0 Dividend Income 0 Loan Against Property 0 Home Equity 0 Vehicle Finance 0 Others 5.8	Product Wise Break-Up Loan Against Property 0 Interest Income 97.79 0 Dividend Income 0 Vehicle Finance 0 Home Equity 0 Fees and Commission Income 0 Net gain/ (loss) on fair value changes 2.21	Product Wise Break-Up LAP 18.32 Interest Income 0 0 Dividend Income 0 Auto Loans 53.24 Home loans 9.8 Fees and Commission Income 0 Net gain/ (loss) on fair value changes 0 Others 18.64
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 Infrastructure 0 Transmission & Distribution 0 Short Term Loan 0 Distribution 0 Transmission 0 Renewable Energy 0 Generation 0	Loan Break-Up Transmission & Distribution 0 Generation 24.0 Personal Loans 0 Tractors 0 transmission 8.0 Commercial vehicles 0 HCVs 0 Infrastructure 0 Loan From Banks 3.0 4 Wheeler 0 M&LCVs 0 Renewable Energy 27.0 Gold 0 Micro, Small & Medium Enterprises 0 Farm Equipment`s 0 Business loans 0 Construction Equipment`s 0 Two Wheelers 0 Distribution 38.0	-
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 North India 0 South India 0 West India 0 India 100.0 Rest of the World 0 East India 0	Location Wise Break-Up North India 24.0 South India 30.0 West India 22.0 India 0 Rest of the World 0 East India 24.0
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 Infra Bonds 0 Banks , Fis , Govt. & etc. 0 Commercial Papers 0 Tax Free Bonds 0 Capital Gain Bonds 0 FCNR (B) Loans 0 Foreign Currency Borrowings 0 0 Perpetual Debt Instruments 0 Working Capital Demand Loans (incl CC) 0 Sub‐ordinated Debt 0 Non‐Convertible Debentures 0 Bank Term Loans 0 Others 37.66	Borrowings Break-Up Infra Bonds 0 Securitisation 0 Working Capital Demand Loans (incl CC) 0 Banking 15.0 Commercial paper 0 Non‐Convertible Debentures 0 Foreign Currency Borrowings 24.0 Sub‐ordinated Debt 0 Tax Free Bonds 2.0 Public Deposit 0 Loan From Banks 0 Bank Term Loans 0 Capital Gain Bonds 9.0 Loans 7.0 Institutional , Subordinate & Zero Coupon Bonds 43.0 Subordinate Bonds 0 Bonds 0 Commercial Papers 0 Perpetual Debt Instruments 0	Borrowings Break-Up Infra Bonds 0 Securitisation 0 Working Capital Demand Loans (incl CC) 0 Banks , Fis , Govt. & etc. 0 Commercial paper 0 Non‐Convertible Debentures 0 Foreign Currency Borrowings 0 Sub‐ordinated Debt 0 Tax Free Bonds 0 Public Deposit 0 Loan From Banks 0 Bank Loan 59.44 Capital Gain Bonds 0 FCNR (B) Loans 0 0 Subordinate Bonds 0 Bonds 0 Commercial Papers 0 Perpetual Debt Instruments 0 Others 40.56
Rural vs Urban	Rural vs Urban Rural 50.41 Urban 15.11 Others 34.48	-	-

Shriram Finance Ltd.

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