Tourism Finance Corporation Of India Ltd.

Financial

	Tourism Finance Corp	Spandana Sphoorty	Satin Creditcare
Operational Metrics
Banking Sector
Fresh Slippages - Quarterly	36.05 Crs	n/a	n/a
Net Interest Margin	4.58 %	11.3 %	n/a
Yield On Advances	12.29 %	21.1 %	n/a
Capital to Risks Assets Ratio (CRAR)	59.94 %	36.0 %	25.85 %
Tier I Capital	59.53 %	n/a	n/a
NBFC
AUM - NBFC	1676.55 Crs	8936.0 Crs	12784.0 Crs
Cost of Borrowing	9.73 %	12.2 %	n/a
Gross NPA	5.61 %	4.85 %	3.7 %
Net NPA	3.92 %	0.98 %	1.4 %
Financials
5 yr Average ROE	9.41 %	7.01 %	5.91 %
5yr average Equity Multiplier	2.66	2.84	4.87
5yr Average Asset Turnover Ratio	0.11	0.19	0.19
5yr Avg Net Profit Margin	33.88 %	12.11 %	6.12 %
5yr Avg Net Profit Margin	33.88 %	12.11 %	6.12 %
5yr CAGR Net Profit	2.38 %	7.33 %	22.98 %
5yr CAGR Sales	-2.77 %	8.58 %	8.42 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.88	0.54	0.73
P/E	19.52	0.0	10.0
Shareholdings
Promoter Holding	3.85 %	48.13 %	36.17 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-24.58 %	-14.49 %	-0.52 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.31 %	-2.42 %

Business

	Tourism Finance Corp	Spandana Sphoorty	Satin Creditcare
Product Wise Break-Up	Product Wise Break-Up Interest Income 78.53 Net gain on fair value changes 11.91 Fee & Commission income 7.88 Dividend 1.68 nbfc 0 Net gain on fair value changes 0 Commission income 0 0 Fees and Commission Income 0 Dividend Income 0 MSME 0 Service/ Trade (ex. MSME) 0 Production 0 Agri/ Allied Activities 0	Product Wise Break-Up Net gain on fair value changes 8.83 0 Service/ Trade (ex. MSME) 0 Agri/ Allied Activities 0 MSME 0 nbfc 0 Interest Income 0 Dividend Income 0 Fees and Commission Income 0 Fee & Commission income 0 Dividend 0 Production 0 Commission income 0 Others 91.17	Product Wise Break-Up Net gain on fair value changes 0 Gain from derecognition of financial instrument 13.23 Service/ Trade (ex. MSME) 0 Agri/ Allied Activities 0 MSME 0 nbfc 0 Interest Income 0 Dividend Income 0 Fees and Commission 1.12 Fee & Commission income 0 Dividend 0 Production 0 Commission income 0 Others 85.65
Segment Break-Up	Segment Break-Up Financing and investment business 100.0	-	-
Loan Break-Up	Loan Break-Up Hotels 59.0 Social Infrastructure 4.0 Others 37.0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 Chattisgarh 0 Rajasthan 0 Bihar 0 Gujarat 0 Kerala 0 Jharkhand 0 Andhra Pradesh 0 Maharashtra 0 Karnataka 0 Madhya Pradesh 0 Odisha 0 Punjab 0 Uttar Pradesh 0 Pondicherry 0 Tripura 0 Tamil Nadu 0 Assam 0 Chhattisgarh 0 Haryana 0 West Bengal 0 NCR 0	Location Wise Break-Up Jharkhand 5.5 Rajasthan 2.24 Pondicherry 0 Chhattisgarh 0 Andhra Pradesh 7.51 Assam 0 Rest of the World 0 Uttar Pradesh 0 Kerala 3.93 West Bengal 0 Bihar 2.91 Chattisgarh 8.8 Odisha 20.6 Haryana 0 Maharashtra 10.63 Tamil Nadu 0 Gujarat 3.22 NCR 0 India 0 Karnataka 12.84 Tripura 0 Punjab 0 Madhya Pradesh 18.88 Others 2.94	Location Wise Break-Up Jharkhand 0 Rajasthan 5.7 Pondicherry 0 Chhattisgarh 0 Andhra Pradesh 0 Assam 3.9 Rest of the World 0 Uttar Pradesh 26.9 Kerala 0 West Bengal 6.2 Bihar 14.6 Chattisgarh 0 Odisha 0 Haryana 3.6 Maharashtra 0 Tamil Nadu 0 Gujarat 0 NCR 5.6 India 0 Karnataka 0 Tripura 0 Punjab 6.6 Madhya Pradesh 6.6 Others 20.3
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-

Tourism Finance Corporation Of India Ltd.

Tourism Finance Corporation Of India Ltd.

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