MAS Financial Services Ltd.

Financial

	MAS Financial Serv	Indostar Capital Fin	Paisalo Digital
Operational Metrics
Banking Sector
Net Interest Margin	6.8 %	5.4 %	6.59 %
Fresh Slippages - Quarterly	41.31 Crs	n/a	n/a
NBFC
Cost of Borrowing	9.84 %	11.3 %	n/a
AUM - NBFC	11677.4 Crs	7877.0 Crs	4748.8 Crs
Capital to Risks Assets Ratio (CRAR)	25.34 %	28.5 %	42.26 %
Tier I Capital	23.13 %	28.87 %	31.81 %
Gross NPA	2.41 %	4.9 %	1.1 %
Net NPA	1.62 %	2.7 %	0.84 %
Financials
5 yr Average ROE	13.69 %	-6.44 %	8.6 %
5yr average Equity Multiplier	5.11	3.16	2.93
5yr Average Asset Turnover Ratio	0.12	0.13	0.15
5yr Avg Net Profit Margin	22.01 %	-14.58 %	19.67 %
5yr Avg Net Profit Margin	22.01 %	-14.58 %	19.67 %
5yr CAGR Net Profit	8.44 %	n/a	27.02 %
5yr CAGR Sales	12.62 %	-1.04 %	11.94 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.08	1.28	2.2
P/E	16.9	36.01	16.38
Shareholdings
Promoter Holding	74.13 %	73.29 %	50.37 %
Share Pledged by Promoters	0.0	0.0	28.43 %
Change in Promoter Holding (3 Yrs)	0.49 %	-15.92 %	6.21 %
Change in Mutual Fund Holding (3 Yrs)	6.18 %	-0.06 %	0.24 %

Business

	MAS Financial Serv	Indostar Capital Fin	Paisalo Digital
Product Wise Break-Up	Product Wise Break-Up Interest Income 85.61 Gain On Assignment Of Financial Assets 9.06 Fees and Commission Income 5.24 0 0 0 Interest on loans - Loan portfolio 0 Financing activities (NBFC) 0 Others 0.09	Product Wise Break-Up Net gain on fair value changes 2.35 Interest Income 0 0 Financing activities (NBFC) 0 Interest Income 83.74 Fees and Commission Income 7.44 Gain On Assignment Of Financial Assets 0 0 Others 6.47	Product Wise Break-Up 0 Interest Income 0 0 NBFC 100.0 Interest on loans - Loan portfolio 0 Fees and Commission Income 0 Gain On Assignment Of Financial Assets 0 0
Loan Break-Up	Loan Break-Up Small & Medium Enterprises (SME) loans 40.29 Small & Medium Enterprises (SME) loans 36.59 Commercial Vehicle Loans 8.3 Salaried Personal Loans 7.89 2 Wheeler Loans 6.93	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Customer Segment	Customer Segment Consumer Finance 100.0 Corporate 0 Retail 0	Customer Segment Retail 98.0 Consumer Finance 0 Corporate 2.0	-
AUM Break-Up	AUM Break-Up On Book 80.39 Off Book 19.61	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 50.4 Direct Assignment (incl. co-lending) 22.06 Loan From Banks 13.23 Non-Convertible Debentures 11.32 0 Securitisation 0 CPs 0 Banks 0 NCD 0 Equity 0 Loans repayable on demand 0 Loans from related parties 0 Others 2.99	Borrowings Break-Up NCD 45.0 Equity 0 Non-Convertible Debentures 0 CPs 0 0 Securitisation 19.0 Banking 27.0 Loans repayable on demand 0 Loans from related parties 0 Direct Assignment (incl. co-lending) 0 Loan From Banks 0 Others 9.0	Borrowings Break-Up NCD 0 Equity 0 Non-Convertible Debentures 0 CPs 0 0 Securitisation 0 Banks 0 Loans repayable on demand from banks 37.82 Loans from related parties 0 Direct Assignment (incl. co-lending) 0 Loan From Banks 0 Others 62.18

MAS Financial Services Ltd.

MAS Financial Services Ltd.

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