IBL Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	IBL Finance	Standard Cap Mkt	Mangalam Indl. Fin.
Operational Metrics
Banks
Gross NPA	75.77 %	n/a	n/a
Net NPA	3.94 %	n/a	n/a
NBFC
Tier I Capital	114.8 %	n/a	n/a
Cost To Income Ratio	55.23 %	n/a	n/a
AUM - NBFC	14.61 Crs	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	114.8 %	n/a	n/a
Financials
5 yr Average ROE	6.0 %	5.34 %	0.98 %
5yr average Equity Multiplier	1.63	3.1	1.01
5yr Average Asset Turnover Ratio	0.32	0.05	0.04
5yr Avg Net Profit Margin	10.8 %	32.61 %	-15.66 %
5yr Avg Net Profit Margin	10.8 %	32.61 %	-15.66 %
5yr CAGR Net Profit	n/a	65.7 %	n/a
5yr CAGR Sales	63.14 %	54.76 %	100.45 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.03	0.37	3.98
P/E	50.45	1.57	138.39
Shareholdings
Promoter Holding	63.2 %	2.81 %	43.97 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.31 %	-15.22 %	-30.57 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

	IBL Finance	Standard Cap Mkt	Mangalam Indl. Fin.
Product Wise Break-Up	Product Wise Break-Up Interest Income 88.93 Reversal of Impairment 0 Loan, Documentation Chatges 0 Dividend Income 0 Interest income 0 Others 11.07	Product Wise Break-Up Interest income 0 Reversal of Impairment 0 Interest Income 0 Loan, Documentation Chatges 0 Dividend Income 0 Others 100	Product Wise Break-Up Interest income 98.59 Reversal of Impairment 0 Interest Income 0 Loan, Documentation Chatges 1.39 Dividend Income 0 Others 0.02
Segment Break-Up	Segment Break-Up Personal Loan 100.0 Other Monetary intermediation Services 0	-	Segment Break-Up Personal Loan 0 Financial Services 99.63 Others 0.37