Tourism Finance Corporation Of India Ltd. benchmarking: Perfomance to industry peers

Financial

	Tourism Finance Corp	Indostar Capital Fin	Paisalo Digital
Operational Metrics
Banking Sector
Fresh Slippages - Quarterly	13.01 Crs	n/a	n/a
Net Interest Margin	6.02 %	6.2 %	6.5 %
Yield On Advances	13.12 %	13.1 %	n/a
Capital to Risks Assets Ratio (CRAR)	62.68 %	33.0 %	39.5 %
Tier I Capital	61.28 %	28.46 %	30.4 %
NBFC
AUM - NBFC	1711.67 Crs	7783.0 Crs	5230.2 Crs
Cost of Borrowing	9.63 %	11.3 %	n/a
Gross NPA	0.24 %	4.04 %	0.85 %
Net NPA	0.0	1.68 %	0.68 %
Financials
5 yr Average ROE	9.39 %	-3.36 %	9.8 %
5yr average Equity Multiplier	2.54	3.12	3.01
5yr Average Asset Turnover Ratio	0.11	0.12	0.15
5yr Avg Net Profit Margin	34.53 %	-8.37 %	21.97 %
5yr Avg Net Profit Margin	34.53 %	-8.37 %	21.97 %
5yr CAGR Net Profit	5.08 %	n/a	28.12 %
5yr CAGR Sales	-1.36 %	2.74 %	17.38 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.86	0.92	2.25
P/E	31.95	5.21	16.82
Shareholdings
Promoter Holding	3.85 %	72.98 %	48.21 %
Share Pledged by Promoters	0.0	0.0	26.18 %
Change in Promoter Holding (3 Yrs)	-24.58 %	-16.23 %	4.05 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.26 %

	Tourism Finance Corp	Indostar Capital Fin	Paisalo Digital
Product Wise Break-Up	Product Wise Break-Up Interest Income 84.85 Net gain on fair value changes 7.83 Fee & Commission income 4.12 Dividend income 0 Fees and Commission Income 0 0 0 0 Interest on loans - Loan portfolio 0 Financing activities (NBFC) 0 Others 3.2	Product Wise Break-Up 0 Interest Income 0 Net gain on fair value changes 2.67 Fee & Commission income 0 Fees and Commission Income 5.75 Financing activities (NBFC) 0 Interest Income 91.58 Net gain on fair value changes 0 0 Dividend income 0	Product Wise Break-Up 0 Interest Income 0 0 Fee & Commission income 0 Fees and Commission Income 0 NBFC 100.0 Interest on loans - Loan portfolio 0 Net gain on fair value changes 0 0 Dividend income 0
Segment Break-Up	Segment Break-Up Financing and investment business 100.0	Segment Break-Up Financing and investment business 0 Others 100	-
Loan Break-Up	Loan Break-Up Hotels 63.0 Social Infrastructure 2.0 Others 35.0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-