Aavas Financiers Ltd.

Financial

	Aavas Financiers	Home First Finance	Aptus Value Housing
Operational Metrics
Banking Sector
Net Interest Margin	7.64 %	5.1 %	12.94 %
Yield On Advances	13.13 %	13.4 %	17.38 %
NBFC
Cost To Income Ratio	25.54 %	35.7 %	n/a
Cost of Borrowing	8.24 %	8.4 %	8.7 %
AUM - NBFC	20420.2 Crs	12712.7 Crs	10226.0 Crs
Capital to Risks Assets Ratio (CRAR)	44.5 %	32.8 %	65.0 %
Tier I Capital	44.38 %	n/a	72.44 %
Gross NPA	1.08 %	1.7 %	1.28 %
Net NPA	0.73 %	n/a	0.96 %
Financials
5 yr Average ROE	12.54 %	10.91 %	13.97 %
5yr average Equity Multiplier	3.96	3.73	2.2
5yr Average Asset Turnover Ratio	0.12	0.12	0.14
5yr Avg Net Profit Margin	26.41 %	25.48 %	44.03 %
5yr Avg Net Profit Margin	26.41 %	25.48 %	44.03 %
5yr CAGR Net Profit	14.53 %	30.9 %	23.73 %
5yr CAGR Sales	17.47 %	22.48 %	22.02 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.7	4.7	3.67
P/E	28.46	31.03	21.1
Shareholdings
Promoter Holding	26.47 %	14.25 %	52.98 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-12.73 %	-19.35 %	-9.37 %
Change in Mutual Fund Holding (3 Yrs)	3.47 %	13.37 %	7.63 %

Business

	Aavas Financiers	Home First Finance	Aptus Value Housing
Product Wise Break-Up	Product Wise Break-Up Retail 99.6 Corporate 0.4 Net gain on fair value charge 0 Fees & commission 0 Interest income 0 Net gain on fair value changes 0 Fees & Commission Income 0 Interest Income 0	Product Wise Break-Up Fee & Commission income 4.17 Corporate 0 Retail 0 Interest Income 87.52 Net gain on fair value changes 0 Fees & Commission Income 0 Interest Income 0 Net gain on derecognition of financial assets carried at fair value 0.74 Others 7.57	Product Wise Break-Up Fees & commission 0 Corporate 0 Retail 0 Interest income 0 Others 0.37 Fees 3.31 Interest Income 96.32 Net gain on fair value charge 0
Loan Break-Up	Loan Break-Up Home loans 68.0 Loan Against Property 13.0 Quasi HL 0 Insurance Loans 0 Top Up Loans 0 Business Loan 0 Loan Against Property 0 Others 19.0	Loan Break-Up Quasi HL 0 Business Loan 0 Top Up Loans 0 Loan Against Property 15.0 Home loans 0 Insurance Loans 0 Others 85.0	Loan Break-Up Quasi HL 14.0 Business Loan 20.0 Top Up Loans 2.0 Loan Against Property 0 Home loans 0 Insurance Loans 2.0 Others 62.0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Karnataka 0 Telangana 0 Andhra Pradesh 0 Tamil Nadu 0	Location Wise Break-Up Telangana 8.6 Karnataka 0 India 0 Andhra Pradesh 5.4 Tamil Nadu 13.4 Others 72.6	Location Wise Break-Up Telangana 16.0 Karnataka 8.0 India 0 Andhra Pradesh 43.0 Tamil Nadu 33.0
Customer Segment	Customer Segment Self-Employed 60.0 Salaried 40.0 Corporates and Others 0 Self Employed 0	Customer Segment Self-Employed 0 Salaried 68.0 Self Employed 32.0 Corporates and Others 0	Customer Segment Self-Employed 0 Salaried 23.0 Self Employed 77.0 Corporates and Others 0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 50.0 Assignment 25.2 NHB 14.4 NCD 9.5 Co-lending 0 Private Banks 0 PSU Banks 0 NBFC 0 NHB 0 NCD 0 DA 0 Banks 0 Others 0.9	Borrowings Break-Up Banks 0 NBFC 3.0 Private Banks 28.0 NHB 17.0 Loan From Banks 0 Co-lending 3.0 NCD 3.0 PSU Banks 31.0 Assignment 0 DA 13.0 Others 2.0	Borrowings Break-Up Banks 54.0 NBFC 0 Private Banks 0 NHB 18.0 Loan From Banks 0 Co-lending 0 NCD 15.0 PSU Banks 0 Assignment 0 DA 0 Others 13.0

Aavas Financiers Ltd.

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