Edelweiss Financial Services Ltd. benchmarking: Perfomance to industry peers

Financial

	Edelweiss Financial	Prudent Corporate	UTI Asset Management
Operational Metrics
Asset Management
% of AUM in equity fund	38.74 %	n/a	41.82 %
5 Yr AUM CAGR - Mutual Funds	46.47 %	n/a	20.35 %
AUM - Mutual Funds	184889.29 Crs	121146.0 Crs	393882.07 Crs
Banks
Net Interest Margin	0.2 %	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	33.5 %	n/a	n/a
Tier I Capital	16.2 %	n/a	n/a
Life Insurance
61 Month Persistency Ratio	36.0 %	n/a	n/a
13 Month Persistency Ratio	66.5 %	n/a	n/a
Commission Ratio - Life Insurance	10.7 %	n/a	n/a
Claim Settlement Ratio	98.0 %	n/a	n/a
New Business Performance - Life Insurance	34.49 Crs	n/a	n/a
Management Expense Ratio - Life Insurance	37.3 %	n/a	n/a
Embedded Value	2213.0 Crs	n/a	n/a
Value Of New Business Margin (VNB)	38.0 %	n/a	n/a
NBFC
Gross NPA	3.35 %	n/a	n/a
Net NPA	1.94 %	n/a	n/a
Cost To Income Ratio	76.0 %	n/a	n/a
Cost of Borrowing	10.5 %	n/a	n/a
AUM - NBFC	3313.81 Crs	n/a	n/a
Financials
5 yr Average ROE	5.97 %	30.8 %	14.92 %
5yr average Equity Multiplier	7.48	1.58	1.21
5yr Average Asset Turnover Ratio	0.21	1.11	0.31
5yr Avg Net Profit Margin	3.72 %	17.54 %	40.18 %
5yr Avg Net Profit Margin	3.72 %	n/a	n/a
5yr CAGR Net Profit	8.49 %	n/a	n/a
5yr CAGR Sales	-2.09 %	n/a	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.23	14.47	3.28
P/E	23.17	53.77	24.49
Shareholdings
Promoter Holding	32.7 %	55.31 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.08 %	-3.13 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.53 %	8.16 %	0.06 %

Business

	Edelweiss Financial	Prudent Corporate	UTI Asset Management
Loan Break-Up	Loan Break-Up Consumer Finance 34.0 Corporate Banking 30.0 Structured Collateralised Credit 15.0 Small & Medium Enterprises (SME) loans 13.0 ESOP and Margin Financing 7.0 Agricultural Loan 1.0	-	-
Segment Break-Up	Segment Break-Up Insurance 36.5 Capital based 33.23 Alternatives business 12.92 Asset Reconstruction 8.94 Mutual Fund business 3.79 Treasury 0 Agency 0 Others 4.62	-	Segment Break-Up Insurance 0 Treasury 0 Asset Reconstruction 0 Alternatives business 0 Agency 0 Mutual Fund business 0 Capital based 0 Others 100
Location Wise Break-Up	Location Wise Break-Up India 100.0 Next 75 Cities 0 Next 20 Cities 0 Next 10 Cities 0 Top 5 Cities 0	Location Wise Break-Up Next 10 Cities 0 Next 75 Cities 0 Top 5 Cities 0 Next 20 Cities 0 India 100.0	Location Wise Break-Up Next 10 Cities 8.9 Next 75 Cities 10.85 Top 5 Cities 61.25 Next 20 Cities 5.94 India 0 Others 13.06
Investment Break-Up	Investment Break-Up Government securities 53.15 Other Approved investments 26.09 Investments in Infrastructure and Social Sector 17.37 Others 3.39	-	-
Borrowings Break-Up	Borrowings Break-Up Banking 43.0 Retail 26.0 PF & Insurance 20.0 MF 11.0 ASB 0 Corporate 0	-	-
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Motor 51.79 Health Insurance 36.4 Fire 2.38 Personal Accident 1.43 Engineering 0.15 Marine 0 Others 7.85	-	-
Premium Break-Up	Premium Break-Up Life Insurance Business 77.93 General Insurance 22.07	-	-
Profit Before Tax	Profit Before Tax Others 100	-	-
Asset Break-Up	Asset Break-Up Others 100	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 38.36 ETF 31.05 Debt 8.17 Liquid/ Money Market 6.46 Balanced schemes 0 Other Debt Schemes 0 Infrastructure Debt Funds 0 FMP 0 Gilt 0 Exchanges Traded Fund 0 Growth/Equity Oriented Schemes 0 Income/Debt Schemes 0 Balanced Scheme 0 Others 15.96	-	AUM Break-Up - Asset Management Equity 0 Equity 42.38 ETF 0 Balanced schemes 0 Balanced schemes 1.68 Debt 0 FMP 0 ETF 32.19 Other Debt Schemes 0 Infrastructure Debt Funds 0 Debt 23.75 Gilt 0 Liquid/ Money Market 0
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Traditional Non Par 42.0 Traditional Par 23.0 ULIP 22.0 Group 14.0	-	-

Edelweiss Financial Services Ltd.

Edelweiss Financial Services Ltd.

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