Sundaram Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	Sundaram Finance	Poonawalla Fincorp	Mah & Mah Finl. Serv
Operational Metrics
Asset Management Sector
5 Yr AUM CAGR - Mutual Funds	18.42 %	n/a	41.53 %
% of AUM in equity fund	71.58 %	n/a	81.43 %
AUM - Mutual Funds	73944.18 Crs	n/a	31412.13 Crs
Banking Sector
Fresh Slippages - Quarterly	129.59 Crs	n/a	n/a
Net Interest Margin	4.8 %	11.06 %	6.7 %
General Insurance Sector
Combined Ratio	110.2 %	n/a	n/a
Yield On Total Investments - General Insurance	5.76 %	n/a	n/a
Monthly Gross Direct Premium Income (GDPI)	336.29 Crs	n/a	n/a
Risk Retention Ratio	75.4 %	n/a	n/a
Float	3828.08 Crs	n/a	n/a
NBFC
Gross NPA	1.26 %	1.84 %	3.8 %
Net NPA	0.63 %	0.85 %	1.9 %
Capital to Risks Assets Ratio (CRAR)	20.5 %	20.55 %	20.6 %
Tier I Capital	16.8 %	0.0	17.9 %
Cost of Borrowing	6.3 %	8.04 %	n/a
AUM - NBFC	43987.0 Crs	41273.0 Crs	122008.0 Crs
Cost To Income Ratio	34.69 %	n/a	40.8 %
Financials
5 yr Average ROE	13.8 %	2.02 %	8.6 %
5yr average Equity Multiplier	5.72	3.83	5.74
5yr Average Asset Turnover Ratio	0.11	0.12	0.13
5yr Avg Net Profit Margin	22.27 %	17.47 %	11.45 %
5yr Avg Net Profit Margin	22.27 %	17.47 %	11.45 %
5yr CAGR Net Profit	10.04 %	-29.36 %	23.95 %
5yr CAGR Sales	9.88 %	12.41 %	8.9 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.73	5.56	1.82
P/E	25.63	0.0	17.11
Shareholdings
Promoter Holding	37.22 %	62.46 %	52.49 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.27 %	0.97 %	0.33 %
Change in Mutual Fund Holding (3 Yrs)	-7.07 %	0.65 %	7.82 %

Business

	Sundaram Finance	Poonawalla Fincorp	Mah & Mah Finl. Serv
Product Wise Break-Up	Product Wise Break-Up Interest Income 83.16 Fees and Commission 4.21 Lease Rental 2.64 Dividend 0.45 MSME LOANS 0 Pre-owned vehicles 0 Auto Lease 0 Affordable Housing 0 MORTGAGE 0 TRACTOR 0 CONSTRUCTION EQUIPMENT 0 COMMERCIAL VEHICLE 0 CAR AND UTILITY VEHICLE 0 Others 9.54	Product Wise Break-Up TRACTOR 0 Small & Medium Enterprises (SME) loans 36.0 Auto Lease 0 Affordable Housing 0 Interest Income 0 Fees and Commission 0 CONSTRUCTION EQUIPMENT 0 COMMERCIAL VEHICLE 0 Dividend 0 MORTGAGE 0 Lease Rental 0 Pre-owned vehicles 13.0 CAR AND UTILITY VEHICLE 0 Others 51.0	-
Segment Break-Up	Segment Break-Up Asset Financing 91.04 Insurance 0 Others 8.96	-	-
Location Wise Break-Up	Location Wise Break-Up South India 56.0 North India 27.4 West India 12.3 East India 4.3 Central India 0	Location Wise Break-Up South India 30.0 North India 26.0 Central India 0 West India 31.0 East India 13.0	Location Wise Break-Up South India 19.0 North India 33.0 Central India 10.0 West India 18.0 East India 20.0
Borrowings Break-Up	Borrowings Break-Up Bank Borrowing 39.0 Debenture 32.3 Securitisation 10.4 Comercial paper 4.1 WC Loans 0 NHB 0 Loans repayable on demand (from banks) 0 Term loans (from banks) 0 Loans repayable on demand 0 Loans from corporates 0 Term loans 0 Others 14.2	Borrowings Break-Up Loans from corporates 0 Loan From Banks 33.56 Securitisation 0 NHB 0 Term loans 0 Bank Borrowing 0 WC Loans 0 Loans repayable on demand 0 Comercial paper 0 Debenture 0 Loan From Banks 23.39 Others 43.05	Borrowings Break-Up Loans from corporates 0 Term loans (from banks) 0 Securitisation 0 NHB 0 Loan From Banks 99.95 Bank Borrowing 0 WC Loans 0 Loans repayable on demand from banks 0.04 Comercial paper 0 Debenture 0 Loans repayable on demand (from banks) 0 Others 0.01
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Motors 68.94 Health Insurance 24.19 PERSONAL ACCIDENT 2.34 Fire Equipment 2.21 MARINE 1.52 Engineering 0.37 Workmens Compensation /Employers Liability 0.29 Public/Product Liability 0.13 Crop 0 Crop Insurance 0 Commercial Insurance 0 PERSONAL ACCIDENT 0 HEALTH INSURANCE 0 MOTOR 0 FIRE 0 Others 0.01	Premium Break-Up - General Insurance Engineering 0 Commercial Insurance 0 Crop 0 Crop Insurance 0 Motors 0 Fire Equipment 5.09 MARINE 0 PERSONAL ACCIDENT 0.42 Health Insurance 0 Health Insurance 8.75 Public/Product Liability 0 0 Motors 85.15 Fire Equipment 0 Others 0.59	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC 4 Wheeler 23.8 Commercial Vehicles 21.5 Construction Equipment 10.4 Tractor Segment 7.2 SME 0 Pre-owned vehicles 0 0 Auto/ Utility vehicles 0 Others 37.1	-	AUM Break-Up - NBFC 4 Wheeler 0 Commercial Vehicles 18.38 Utility Vehicles 41.02 Tractor Segment 0 Commercial Vehicles 0 Construction Equipment 0 SME 4.09 Pre-owned vehicles 16.99 Others 19.52
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management EQUITY 74.35 Liquid/ Money Market 10.84 Debt 7.34 Balanced schemes 7.25 ETF 0 FMP 0 Gilt 0 Others 0.22	-	AUM Break-Up - Asset Management Liquid/ Money Market 4.22 Gilt 0 Debt 5.33 Balanced schemes 8.67 FMP 0 Equity 81.68 ETF 0 Others 0.1

Sundaram Finance Ltd.

Sundaram Finance Ltd.

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