Muthoot Finance Ltd.

Financial

	Muthoot Finance	Shriram Finance	REC
Operational Metrics
Banking Sector
Net Interest Margin	11.51 %	8.11 %	3.63 %
Yield On Advances	18.26 %	n/a	n/a
NBFC
Gross NPA	4.2 %	4.53 %	1.35 %
Net NPA	3.7 %	2.57 %	0.38 %
Cost To Income Ratio	26.0 %	29.29 %	n/a
Cost of Borrowing	8.7 %	9.1 %	7.11 %
AUM - NBFC	133938.0 Crs	272249.01 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	21.96 %	20.79 %	25.99 %
Tier I Capital	21.21 %	20.16 %	23.76 %
Gold Kept As Security	209.0 Tonnes	n/a	n/a
Unclassified
LTV -Gold Loan	62.0 %	n/a	n/a
Advertisement Spend as a % of Total Sales	0.97 %	n/a	n/a
Financials
5 yr Average ROE	19.57 %	13.54 %	19.72 %
5yr average Equity Multiplier	4.1	5.42	8.18
5yr Average Asset Turnover Ratio	0.16	0.14	0.09
5yr Avg Net Profit Margin	30.28 %	18.42 %	27.08 %
5yr Avg Net Profit Margin	30.28 %	18.42 %	27.08 %
5yr CAGR Net Profit	6.99 %	30.76 %	13.65 %
5yr CAGR Sales	11.93 %	19.13 %	9.67 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.65	2.06	1.28
P/E	17.99	11.98	5.95
Shareholdings
Promoter Holding	73.35 %	25.39 %	52.63 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.02 %	-3.91 %	0.0
Change in Mutual Fund Holding (3 Yrs)	1.01 %	4.1 %	1.23 %

Business

	Muthoot Finance	Shriram Finance	REC
Product Wise Break-Up	Product Wise Break-Up Interest Income 97.23 Service Charges 1.6 Sale of Services 0.03 Dividend Income 0.01 Net gain/ (loss) on fair value changes 0 0 Fees and Commission Income 0 Others 1.13	Product Wise Break-Up Sale of Services 0 Fees and Commission Income 0 Interest Income 96.86 Service Charges 0 Dividend Income 0 0 Net gain/ (loss) on fair value changes 0 Others 3.14	Product Wise Break-Up Sale of Services 0 Fees and Commission Income 0 Interest Income 97.99 Service Charges 0 Dividend Income 0 0 Net gain/ (loss) on fair value changes 2.01
Loan Break-Up	Loan Break-Up Gold Loan 87.33 Small & Medium Enterprises (SME) loans 6.41 Auto loans 3.14 Home loans 2.4 Personal Loan 0 Non-Housing Loan 0 Gold 0 Two Wheelers 0 MSME 0 Farm Equipment`s 0 Construction Equipment`s 0 Personal Loans 0 Commercial vehicles 0 Business loans 0 Tractors 0 Passenger vehicles 0 M&LCVs 0 HCVs 0 Infrastructure 0 Transmission & Distribution 0 Short Term Loan 0 Distribution 0 Transmission 0 Renewable Energy 0 Generation 0 Others 0.72	Loan Break-Up Two Wheelers 5.82 Non-Housing Loan 0 Gold 1.89 Business loans 0 Micro, Small & Medium Enterprises 14.26 Personal Loan 0 Home loans 0 Short Term Loan 0 Renewable Energy 0 Tractors 0 Distribution 0 Commercial vehicles 45.23 Transmission 0 HCVs 0 Farm Equipment`s 0 Construction Equipment`s 0 Gold Loan 0 Infrastructure 0 Transmission & Distribution 0 Generation 0 M&LCVs 0 Small & Medium Enterprises (SME) loans 0 Personal Loans 3.79 Auto loans 0 4 Wheeler 20.8 Others 8.21	Loan Break-Up Two Wheelers 0 Non-Housing Loan 0 Gold 0 Business loans 0 MSME 0 Personal Loan 0 Home loans 0 Loan From Banks 4.0 Renewable Energy 31.0 Tractors 0 Distribution 20.0 Commercial vehicles 0 transmission 5.0 HCVs 0 Farm Equipment`s 0 Construction Equipment`s 0 Gold Loan 0 Infrastructure 13.0 Transmission & Distribution 0 Generation 27.0 M&LCVs 0 Small & Medium Enterprises (SME) loans 0 Personal Loans 0 Auto loans 0 Passenger vehicles 0
Location Wise Break-Up	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 52.95 Secured Non-Convertible Debentures 26.2 Commercial Papers 6.93 Subordinated Debt 0 External Commercial Borrowings 0 Overdraft against Deposite 0 Cash Credit/ Short term loan 0 Securitised Loans 0 Loans from related party 0 Pass through certificates payable 0 Loan from Financial Institutions 0 Term Loan from Bank 0 Bonds 0 Securitisation 0 Subordinate debts 0 Commercial paper 0 Term Loan 0 Public deposit 0 Infra Bonds 0 Banks , Fis , Govt. & etc. 0 Commercial Papers 0 Tax Free Bonds 0 Capital Gain Bonds 0 FCNR (B) Loans 0 Foreign Currency Borrowings 0 0 Others 13.92	Borrowings Break-Up FCNR (B) Loans 0 Term Loan from Bank 0 Banks , Fis , Govt. & etc. 0 Infra Bonds 0 Overdraft against Deposite 0 Foreign Currency Borrowings 0 External Commercial Borrowings 0 Pass through certificates payable 0 Commercial Papers 0 Public Deposit 25.95 Capital Gain Bonds 0 Secured Non-Convertible Debentures 0 Subordinated Debt 0 Subordinate Bonds 1.02 Cash Credit/ Short term loan 0 Loans from related party 0 Securitised Loans 0 Tax Free Bonds 0 Bonds 0 0 Loan from Financial Institutions 0 Securitisation 15.98 Commercial paper 0 Loan From Banks 0 Loan From Banks 20.31 Others 36.74	Borrowings Break-Up Loans 9.0 Term Loan from Bank 0 Banking 11.0 Infra Bonds 0 Overdraft against Deposite 0 Foreign Currency Borrowings 26.0 External Commercial Borrowings 0 Pass through certificates payable 0 Commercial Papers 0 Public deposit 0 Capital Gain Bonds 9.0 Secured Non-Convertible Debentures 0 Subordinated Debt 0 Subordinate debts 0 Cash Credit/ Short term loan 0 Loans from related party 0 Securitised Loans 0 Tax Free Bonds 2.0 Bonds 0 Institutional , Subordinate & Zero Coupon Bonds 42.0 Loan from Financial Institutions 0 Securitisation 0 Commercial paper 0 Loan From Banks 0 Term Loan 0 Others 1.0
Borrowings - Geography Wise	Borrowings - Geography Wise Borrowings in India 100.0 Borrowings outside India 0	-	-

Muthoot Finance Ltd.

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