Shriram Finance Ltd. benchmarking: Performance to industry peers

Financial

	Shriram Finance	JIO Financial Serv.	Power Finance Corp
Operational Metrics
Banks
Net Interest Margin	8.58 %	n/a	3.62 %
Fresh Slippages - Quarterly	2691.12 Crs	n/a	n/a
NBFC
Cost of Borrowing	8.7 %	n/a	7.43 %
Capital to Risks Assets Ratio (CRAR)	20.27 %	24.29 %	21.62 %
Tier I Capital	19.66 %	191.08 %	19.07 %
Gross NPA	4.54 %	n/a	1.87 %
Net NPA	2.38 %	n/a	0.37 %
AUM - NBFC	291709.03 Crs	19049.0 Crs	561209.0 Crs
Cost To Income Ratio	29.66 %	n/a	n/a
Financials
5 yr Average ROE	13.54 %	0.65 %	19.37 %
5yr average Equity Multiplier	5.42	1.11	10.86
5yr Average Asset Turnover Ratio	0.14	0.41	0.09
5yr Avg Net Profit Margin	18.42 %	44.35 %	19.71 %
5yr Avg Net Profit Margin	18.42 %	44.35 %	19.71 %
5yr CAGR Net Profit	30.76 %	132.57 %	14.37 %
5yr CAGR Sales	19.13 %	-2.74 %	8.01 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.97	1.14	1.08
P/E	26.33	95.51	5.46
Shareholdings
Promoter Holding	25.38 %	47.12 %	55.99 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.09 %	0.35 %	0.0
Change in Mutual Fund Holding (3 Yrs)	8.72 %	2.45 %	-1.53 %

Business

	Shriram Finance	JIO Financial Serv.	Power Finance Corp
Loan Break-Up	Loan Break-Up Commercial vehicles 45.55 Micro, Small & Medium Enterprises 14.08 Two Wheelers 5.96 Construction Equipment`s 4.87 Personal Loans 3.58 Farm Equipment`s 2.25 Gold 1.93 Business loans 0 Tractors 0 Passenger vehicles 0 M&LCVs 0 HCVs 0 Others 21.78	-	-
Product Wise Break-Up	Product Wise Break-Up Interest Income 97.28 Fee and Commission 0 Dividend income 0 Interest income 0 Fees and Commission Income 0 Dividend Income 0 Others 2.72	Product Wise Break-Up Interest income 55.96 Fee and Commission 20.23 Fees and Commission Income 0 Dividend Income 0 Dividend income 0 Interest Income 0 Others 23.81	Product Wise Break-Up Interest income 0 Fee and Commission 0 Fee & Commission income 1.53 Dividend 0.1 Dividend income 0 Interest Income 97.85 Others 0.52
Product Wise Break-Up	Product Wise Break-Up Interest Income 97.28 Fee and Commission 0 Dividend income 0 Interest income 0 Fees and Commission Income 0 Dividend Income 0 Others 2.72	Product Wise Break-Up Interest income 55.96 Fee and Commission 20.23 Fees and Commission Income 0 Dividend Income 0 Dividend income 0 Interest Income 0 Others 23.81	Product Wise Break-Up Interest income 0 Fee and Commission 0 Fee & Commission income 1.53 Dividend 0.1 Dividend income 0 Interest Income 97.85 Others 0.52
Product Wise Break-Up	Product Wise Break-Up Interest Income 97.28 Fee and Commission 0 Dividend income 0 Interest income 0 Fees and Commission Income 0 Dividend Income 0 Others 2.72	Product Wise Break-Up Interest income 55.96 Fee and Commission 20.23 Fees and Commission Income 0 Dividend Income 0 Dividend income 0 Interest Income 0 Others 23.81	Product Wise Break-Up Interest income 0 Fee and Commission 0 Fee & Commission income 1.53 Dividend 0.1 Dividend income 0 Interest Income 97.85 Others 0.52
Location Wise Break-Up	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0
Borrowings Break-Up	Borrowings Break-Up Public Deposit 27.0 Loan From Banks 20.5 Securitisation 15.9 Subordinate Bonds 1.0 Bonds 0 Commercial paper 0 Borrowings outside India 0 Borrowings in India 0 Others 35.6	Borrowings Break-Up Subordinate Bonds 0 Loan From Banks 0 Bonds 0 Securitisation 0 Borrowings in India 0 Borrowings outside India 0 Public Deposit 0 Commercial paper 0 Others 100	Borrowings Break-Up Subordinate Bonds 0 Loan From Banks 0 Bonds 0 Securitisation 0 Borrowings in India 56.58 Borrowings outside India 43.42 Public Deposit 0 Commercial paper 0
Rural vs Urban	Rural vs Urban Rural 50.65 Urban 11.07 Others 38.28	-	-
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise India 100.0	-	-

Shriram Finance Ltd.

Shriram Finance Ltd.

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