Manba Finance Ltd. benchmarking: Performance to industry peers

Financial

	Manba Finance	India Finsec	Consolid. Finv.&Hold
Operational Metrics
Banks
Gross NPA	3.33 %	n/a	n/a
Net NPA	2.46 %	n/a	n/a
NBFC
Tier I Capital	25.17 %	n/a	102.09 %
AUM - NBFC	1712.7 Crs	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	25.17 %	n/a	102.09 %
Yield On Advances	23.9 %	n/a	n/a
Financials
5 yr Average ROE	12.53 %	8.46 %	9.17 %
5yr average Equity Multiplier	4.48	3.52	1.03
5yr Average Asset Turnover Ratio	0.19	0.17	0.01
5yr Avg Net Profit Margin	15.05 %	15.49 %	419.22 %
5yr Avg Net Profit Margin	15.05 %	15.49 %	419.22 %
5yr CAGR Net Profit	42.96 %	26.64 %	43.77 %
5yr CAGR Sales	39.75 %	31.78 %	51.16 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.62	4.9	0.46
P/E	14.62	41.19	13.45
Shareholdings
Promoter Holding	74.98 %	55.98 %	74.89 %
Share Pledged by Promoters	0.0	71.1 %	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.47 %	0.48 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	Manba Finance	India Finsec	Consolid. Finv.&Hold
Product Wise Break-Up	Product Wise Break-Up Two Wheeler 89.57 Personal Loan 0.71 Three Wheeler 0.61 Used Two Wheeler 0.38 Small Business Loan 0.19 Used Car Loan 0.02 Net gain on fair value changes 0 Dividend Income 0 Interest Income 0 0 Others 8.52	Product Wise Break-Up Small Business Loan 0 Interest Income 0 Two Wheeler 0 Used Car Loan 0 Net gain on fair value changes 0 Personal Loan 0 Used Two Wheeler 0 Dividend Income 0 0 Three Wheeler 0 Others 100	Product Wise Break-Up Small Business Loan 0 Interest Income 0.81 Two Wheeler 0 Used Car Loan 0 Net gain on fair value changes 82.81 Personal Loan 0 Used Two Wheeler 0 Dividend Income 13.47 0 Three Wheeler 0 Others 2.91
Location Wise Break-Up	Location Wise Break-Up Maharashtra 69.4 Gujarat 24.03 Rajasthan 3.58 Chhattisgarh 2.84 Madhya Pradesh 0.15 India 0	-	Location Wise Break-Up Madhya Pradesh 0 Maharashtra 0 Gujarat 0 India 100.0 Chhattisgarh 0 Rajasthan 0
Borrowings Break-Up	Borrowings Break-Up NBFCs and Financial Institutions 33.19 Non-Convertible Debentures 21.57 Banks 21.43 PTC 17.25 Working Capital Demand Loan 5.76 Commercial Papers 0 0 Unsecured Loans - From Corporates 0 Others 0.8	-	Borrowings Break-Up Banks 0 Loan from Jindal India Powertech Limited 100.0 NBFCs and Financial Institutions 0 PTC 0 Working Capital Demand Loan 0 Commercial Papers 0 Non-Convertible Debentures 0 Unsecured Loans - From Corporates 0
AUM Break-Up	AUM Break-Up New Vehicle Loans 97.9 Personal Loans 0.78 Small Business Loan 0.75 Used Vehicle Loans 0.3 Others 0.27	-	-
NPA Break-Up	NPA Break-Up Two wheeler 87.21 Top-up loans 11.06 Used Two Wheeler 1.64 Three Wheeler 0.09 Small business loan 0 Personal Loans 0 Used Car 0	-	-

Manba Finance Ltd.

Manba Finance Ltd.

Financial

Business

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