Religare Enterprises Ltd.

Financial

	Religare Enterprises	Bengal & Assam	MAS Financial Serv
Operational Metrics
Banking Sector
Net NPA	n/a	n/a	n/a
Gross NPA	8.6 %	n/a	n/a
General Insurance Sector
Monthly Gross Direct Premium Income (GDPI)	894.17 Crs	n/a	n/a
Risk Retention Ratio	86.0 %	n/a	n/a
Yield On Total Investments - General Insurance	5.2 %	n/a	n/a
Float	3343.65 Crs	n/a	n/a
Combined Ratio	90.0 %	n/a	n/a
NBFC
Capital to Risks Assets Ratio (CRAR)	n/a	599.88 %	25.34 %
Financials
5 yr Average ROE	94.73 %	20.05 %	13.69 %
5yr average Equity Multiplier	-19.93	3.15	5.11
5yr Average Asset Turnover Ratio	0.44	0.91	0.12
5yr Avg Net Profit Margin	-7.61 %	9.89 %	22.01 %
Price to Book	2.96	0.92	2.08
P/E	47.98	10.52	16.9
5yr Avg Cash Conversion Cycle	12.4 Days	n/a	n/a
Inventory Days	0.06 Days	n/a	n/a
Days Receivable	12.31 Days	n/a	n/a
Days Payable	86.69 Days	n/a	n/a
5yr Average Interest Coverage Ratio	2.17	n/a	n/a
5yr Avg ROCE	2.95 %	n/a	n/a
5yr Avg Operating Profit Margin	-0.74 %	n/a	n/a
5 yr average Debt to Equity	-11.05	n/a	n/a
5yr CAGR Net Profit	n/a	n/a	n/a
5yr Average Return on Assets	1.14 %	n/a	n/a
Shareholdings
Promoter Holding	25.67 %	73.01 %	74.13 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	25.67 %	0.35 %	0.49 %
Change in Mutual Fund Holding (3 Yrs)	6.28 %	0.0	6.18 %

Business

	Religare Enterprises	Bengal & Assam	MAS Financial Serv
Segment Break-Up	Segment Break-Up Insurance 93.36 Broking 4.01 Investment services 1.82 E-Goverance 0.81 Financial Advisory Services 0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 International 0 Domestic 0	Location Wise Break-Up Domestic 82.05 Rest of the World 0 International 17.95 India 0	Location Wise Break-Up Domestic 0 Rest of the World 0 International 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up E-Goverance 100.0 Insurance 0 Financial Advisory Services 0 Broking Related Activities 0 Investment and Financing Activities 0	-	-
Borrowings Break-Up	Borrowings Break-Up Secured 59.33 Un Secured 40.67 Non-Convertible Debentures 0 Direct Assignment (incl. co-lending) 0 Cash credit/OD 0 0 Term loans 0	-	Borrowings Break-Up Loan From Banks 50.4 Secured 0 Non-Convertible Debentures 11.32 0 Direct Assignment (incl. co-lending) 22.06 Loan From Banks 13.23 Un Secured 0 Others 2.99
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Health 95.87 PERSONAL ACCIDENT 2.95 Others 1.18	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Insurance 0 E-Goverance 0 Financial Advisory Services 0 Broking Related Activities 0 Investment and Financing Activities 0 Others 100	-	-