REC Ltd.

Financial

	REC	SBI Cards AndPayment	Shriram Finance
Operational Metrics
Banking Sector
Net Interest Margin	3.63 %	11.2 %	8.11 %
Fresh Slippages - Quarterly	379.18 Crs	n/a	2691.12 Crs
NBFC
Tier I Capital	23.76 %	17.9 %	20.16 %
Cost of Borrowing	7.11 %	7.1 %	9.1 %
Capital to Risks Assets Ratio (CRAR)	25.99 %	23.2 %	20.79 %
Gross NPA	1.35 %	n/a	4.53 %
Net NPA	0.38 %	1.42 %	2.57 %
Financials
5 yr Average ROE	19.72 %	18.66 %	13.54 %
5yr average Equity Multiplier	8.18	4.55	5.42
5yr Average Asset Turnover Ratio	0.09	0.31	0.14
5yr Avg Net Profit Margin	27.08 %	13.41 %	18.42 %
5yr Avg Net Profit Margin	27.08 %	13.41 %	18.42 %
5yr CAGR Net Profit	13.65 %	14.25 %	30.76 %
5yr CAGR Sales	9.67 %	13.92 %	19.13 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.27	6.04	2.16
P/E	5.89	44.32	12.59
Shareholdings
Promoter Holding	52.63 %	68.59 %	25.39 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-1.05 %	-3.91 %
Change in Mutual Fund Holding (3 Yrs)	1.23 %	-1.5 %	4.1 %

Business

	REC	SBI Cards AndPayment	Shriram Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 96.3 Net gain/ (loss) on fair value changes 2.17 Fees and Commission Income 0.98 0 Dividend Income 0 Instance based & other 0 Spend based 0 Subscription based 0 Others 0.55	Product Wise Break-Up Interest Income 51.0 Instance based & other 19.0 Spend based 24.0 Net gain/ (loss) on fair value changes 0 Fees and Commission Income 0 0 Dividend Income 0 Subscription 6.0	Product Wise Break-Up Interest Income 96.86 Instance based & other 0 Spend based 0 Net gain/ (loss) on fair value changes 0 Fees and Commission Income 0 0 Dividend Income 0 Subscription based 0 Others 3.14
Loan Break-Up	Loan Break-Up Distribution 43.0 Generation 28.0 Renewable Energy 20.0 transmission 7.0 Infrastructure 1.0 Loan From Banks 1.0 Transmission & Distribution 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	-	Loan Break-Up Distribution 0 Tractors 0 M&LCVs 0 Gold 1.89 Construction Equipment`s 0 Renewable Energy 0 Loan From Banks 0 Business loans 0 Generation 0 Transmission & Distribution 0 Farm Equipment`s 0 Infrastructure 0 Two Wheelers 5.82 Commercial vehicles 45.23 transmission 0 HCVs 0 Micro, Small & Medium Enterprises 14.26 4 Wheeler 20.8 Personal Loans 3.79 Others 8.21
Location Wise Break-Up	Location Wise Break-Up India 100.0 Tier 3 0 Tier 2 0 Tier 1 0	Location Wise Break-Up Tier I 35.0 Tier Ii 22.0 Tier Iii 26.0 India 0 Others 17.0	Location Wise Break-Up Tier 1 0 Tier 2 0 Tier 3 0 India 100.0
Customer Segment	Customer Segment STATE 87.0 Private 13.0 Joint 0 Self Employed 0 Salaried 0	Customer Segment Private 0 Salaried 61.0 STATE 0 Joint 0 Self-Employed 39.0	-
Borrowings Break-Up	Borrowings Break-Up Institutional , Subordinate & Zero Coupon Bonds 45.0 Foreign Currency Borrowings 24.0 Banking 13.0 Capital Gain Bonds 9.0 Loans 6.0 Tax Free Bonds 2.0 Infra Bonds 0 Commercial Papers 0 Term Loans 0 Debentures 0 Bank Lines 0 Bonds 0 Securitisation 0 Subordinate debts 0 Commercial paper 0 Term Loan 0 Public deposit 0 Others 1.0	Borrowings Break-Up Commercial Papers 4.0 Foreign Currency Borrowings 0 Debenture 12.0 Banking 0 Capital Gain Bonds 0 Public deposit 0 Bonds 0 Term Loan 0 Subordinate debts 0 Commercial paper 0 Infra Bonds 0 Tax Free Bonds 0 Loan From Banks 67.0 Securitisation 0 Term Loans 17.0 0 Loans 0	Borrowings Break-Up Commercial Papers 0 Foreign Currency Borrowings 0 Debentures 0 Banking 0 Capital Gain Bonds 0 Public Deposit 25.95 Bonds 0 Loan From Banks 20.31 Subordinate Bonds 1.02 Commercial paper 0 Infra Bonds 0 Tax Free Bonds 0 Bank Lines 0 Securitisation 15.98 Term Loans 0 0 Loans 0 Others 36.74
AUM Break-Up - NBFC	AUM Break-Up - NBFC Transmission & distribution 48.0 Generation 26.0 Infrastructure 12.0 Renewable Energy 11.0 Loan From Banks 3.0	-	-

REC Ltd.

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