CSL Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	CSL Finance	Dhunseri Investments	Kiran Vyapar
Operational Metrics
Banks
Net Interest Margin	14.0 %	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	44.73 %	n/a	n/a
NBFC
AUM - NBFC	1309.0 Crs	n/a	n/a
Gross NPA	0.51 %	n/a	n/a
Net NPA	0.39 %	n/a	0.01 %
Financials
5 yr Average ROE	12.05 %	6.91 %	6.41 %
5yr average Equity Multiplier	1.9	1.63	1.15
5yr Average Asset Turnover Ratio	0.16	0.09	0.07
5yr Avg Net Profit Margin	40.03 %	54.28 %	80.87 %
5yr Avg Net Profit Margin	40.03 %	n/a	80.87 %
5yr CAGR Net Profit	21.23 %	n/a	-9.53 %
5yr CAGR Sales	28.42 %	n/a	-4.36 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.16	0.26	0.25
P/E	8.26	41.74	46.98
Shareholdings
Promoter Holding	47.56 %	74.95 %	74.96 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.77 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	CSL Finance	Dhunseri Investments	Kiran Vyapar
Product Wise Break-Up	Product Wise Break-Up Interest Income 94.15 Fee Income 4.26 Loans written off earlier now recovered 1.59 Processing Fees Wholesale 0 Processing Fees SME 0 Processing Fees Retail 0 Flexible Packaging Film 0 Tea Mfg Operations 0 Trading 0 Food and Beverages 0 Investments in Shares and Securities 0 Treasury Operations 0 Generation based incentives 0 Sale of power 0 Sale of services 0 Sale of goods 0 Net gain on fair value changes 0 Dividend income 0 Interest income 0	Product Wise Break-Up Fee Income 0 Dividend income 0 Flexible Packaging Film 39.88 Investments in Shares and Securities 0 Processing Fees Wholesale 0 Tea Mfg Operations 0 Net gain on fair value changes 0 Processing Fees Retail 0 Processing Fees SME 0 Generation based incentives 0 Interest income 0 Sale of power 0 Loans written off earlier now recovered 0 Food and Beverages 6.77 Interest Income 0 Sale of goods 0 Treasury Operations 53.34 Sale of services 0 Trading 0 Others 0.01	Product Wise Break-Up Fee Income 0 Dividend 16.17 Flexible Packaging Film 0 Investments in Shares and Securities 0 Processing Fees Wholesale 0 Tea Mfg Operations 0 Net gain on fair value changes 12.04 Processing Fees Retail 0 Processing Fees SME 0 Generation based incentives 0 Interest Income 44.96 Sale of power 0 Loans written off earlier now recovered 0 Food and Beverages 0 Interest Income 0 Sale of goods 0 Treasury Operations 0 Sale of services 0 Trading 0 Others 26.83
Loan Break-Up	Loan Break-Up Wholesales Book 69.0 Small & Medium Enterprises (SME) loans 31.0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Singapore 0	Location Wise Break-Up India 82.21 Singapore 17.79	Location Wise Break-Up India 100.0 Singapore 0
Retail Loan Break-Up - NBFC	Retail Loan Break-Up - NBFC Rajastan 29.0 Gujarat 28.0 Punjab 14.0 Haryana 12.0 Uttar Pradesh 8.0 Uttarakhand 6.0 Delhi 2.0 Others 1.0	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 68.47 Loans repayable on demand from banks 3.51 Loan Repayable on demand from Banks 0 Debentures 0 Term Loan 0 Others 28.02	Borrowings Break-Up Loans repayable on demand from banks 0 Debentures 0 Loan From Banks 0 Loan From Banks 8.13 Loan From Banks 91.87	-

CSL Finance Ltd.

CSL Finance Ltd.

Financial

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