Sammaan Capital Ltd. benchmarking: Perfomance to industry peers

Financial

	Sammaan Capital	Can Fin Homes	Home First Finance
Operational Metrics
Asset Management
5 Yr AUM CAGR - Mutual Funds	-44.21 %	n/a	n/a
% of AUM in equity fund	48.57 %	n/a	n/a
AUM - Mutual Funds	363.69 Crs	n/a	n/a
Net NPA	0.8 %	0.49 %	n/a
Banks
Net Interest Margin	5.5 %	4.14 %	6.0 %
NBFC
Capital to Risks Assets Ratio (CRAR)	34.8 %	25.08 %	49.0 %
Tier I Capital	31.2 %	24.31 %	n/a
Gross NPA	1.4 %	0.92 %	2.0 %
Cost To Income Ratio	20.8 %	18.53 %	32.1 %
Cost of Borrowing	8.1 %	7.14 %	8.1 %
AUM - NBFC	64004.0 Crs	40693.0 Crs	14924.9 Crs
Financials
5 yr Average ROE	3.78 %	16.8 %	12.24 %
5yr average Equity Multiplier	4.35	8.63	3.95
5yr Average Asset Turnover Ratio	0.12	0.09	0.12
5yr Avg Net Profit Margin	6.31 %	22.45 %	26.48 %
5yr Avg Net Profit Margin	6.31 %	22.45 %	26.48 %
5yr CAGR Net Profit	n/a	13.44 %	30.71 %
5yr CAGR Sales	-1.28 %	13.96 %	25.77 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.55	2.21	2.93
P/E	9.62	12.4	23.75
Shareholdings
Promoter Holding	0.0	29.99 %	12.35 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-9.59 %	0.0	-21.11 %
Change in Mutual Fund Holding (3 Yrs)	4.06 %	-5.71 %	16.13 %

Business

	Sammaan Capital	Can Fin Homes	Home First Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 65.14 Fees & Commission Income 2.59 Loans for Sites 0 Mortgage Loans/ Flexilap 0 Top-up Personal Loans 0 Housing Loans 0 Net gain on fair value charge 0 Fees & commission 0 Interest income 0 Others 32.27	Product Wise Break-Up Loan Against Property 7.5 Net gain on fair value charge 0 Interest income 0 Home loans 86.24 Loan From Banks 4.87 Interest Income 0 Fees & Commission Income 0 Fees & commission 0 Loans for Sites 1.01 Others 0.38	Product Wise Break-Up Mortgage Loans/ Flexilap 0 Net gain on derecognition of financial assets carried at fair value 4.29 Interest Income 85.71 Housing Loans 0 Top-up Personal Loans 0 Interest Income 0 Fees & Commission Income 0 Fee & Commission income 4.47 Loans for Sites 0 Others 5.53
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Debenture 36.0 Sell Down 35.0 Bank Loan 28.0 ECB 1.0 Deposits with less than 1 year tenure 0 Overdraft / WCDL Accounts 0 Commercial Paper 0 Loans & Advances from Related parties 0 Term Loan from Federal Bank 0 Deposits 0 0 Term Loans 0 National Housing Bank 0	Borrowing Break-Up - NBFC National Housing Bank 15.0 Overdraft / WCDL Accounts 0 Loan From Banks 62.0 Debenture 19.0 Loans & Advances from Related parties 0 ECB 0 Bank Loan 0 Sell Down 0 Deposits with less than 1 year tenure 0 Deposits 0 Debenture 0 Term Loans 0 Commercial Papers 3.0 Others 1.0	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 0 Rest of the World 0 Others 100
Distribution Channel	Distribution Channel Direct 65.0 eHome Loans 22.0 External Channels 8.0 Branch Walk-ins 5.0	-	-
AUM Break-Up	AUM Break-Up Loan Against Property 53.0 Corporate Banking 29.0 Business Loans 18.0 Mortgage & LAP 0 Rennovation 0 Resale 0 Flat 0 Construction 0	AUM Break-Up Corporate Banking 0 Business Loans 0 Mortgage & LAP 10.0 Resale 5.0 Flat 6.0 Rennovation 2.0 Loan Against Property 0 Construction 60.0 Others 17.0	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Liquid/ Money Market 52.47 Equity 35.81 Debt 8.6 ETF 3.12 Balanced schemes 0 FMP 0	-	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	-	-

Sammaan Capital Ltd.

Sammaan Capital Ltd.

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