SBI Cards And Payment Services Ltd.

Financial

	SBI Cards AndPayment	L&T Finance	Sundaram Finance
Operational Metrics
Banking Sector
Net Interest Margin	11.2 %	8.24 %	4.8 %
Gross NPA	3.07 %	n/a	n/a
Interest Income Yield - Credit Cards	17.0 %	n/a	n/a
Cards In Force	21200.0 Thousands	n/a	n/a
30 Day Spend Active Rate	52.0 %	n/a	n/a
Receivable Per Card	26710.0 Rs	n/a	n/a
Online Spend as a % of Total Spend	60.7 %	n/a	n/a
Cost To Income Ratio	50.3 %	40.0 %	34.69 %
Capital to Risks Assets Ratio (CRAR)	23.2 %	20.68 %	20.5 %
NBFC
Cost of Borrowing	7.1 %	7.68 %	6.3 %
Net NPA	1.42 %	0.99 %	0.63 %
Unclassified
Tier 2 Capital	5.3 %	n/a	n/a
Tier I Capital	17.9 %	19.54 %	16.8 %
Financials
5 yr Average ROE	18.66 %	7.66 %	13.32 %
5yr average Equity Multiplier	4.55	4.96	5.92
5yr Average Asset Turnover Ratio	0.31	0.12	0.11
5yr Avg Net Profit Margin	13.41 %	12.53 %	21.2 %
5yr Avg Net Profit Margin	13.41 %	12.53 %	21.2 %
5yr CAGR Net Profit	14.25 %	22.18 %	12.65 %
5yr CAGR Sales	13.92 %	2.37 %	8.89 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	5.45	1.98	4.52
P/E	39.99	19.0	26.2
Shareholdings
Promoter Holding	68.59 %	66.16 %	37.22 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.05 %	-0.07 %	-1.27 %
Change in Mutual Fund Holding (3 Yrs)	-1.5 %	7.22 %	-7.07 %

Business

	SBI Cards AndPayment	L&T Finance	Sundaram Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 51.0 Spend based 24.0 Instance based & other 19.0 Subscription 6.0 Lease Rental 0 Dividend 0 Fees and Commission Income 0	-	Product Wise Break-Up Dividend 0.45 Subscription 0 Interest Income 83.16 Instance based & other 0 Lease Rental 2.64 Fees and Commission 4.21 Spend based 0 Others 9.54
Location Wise Break-Up	Location Wise Break-Up Tier I 35.0 Tier Iii 26.0 Tier Ii 22.0 India 0 East India 0 West India 0 North India 0 South India 0 Others 17.0	Location Wise Break-Up West India 0 Tier Ii 0 Tier Iii 0 East India 0 India 0 North India 0 South India 0 Tier I 0 Others 100	Location Wise Break-Up West India 12.3 Tier Ii 0 Tier Iii 0 East India 4.3 India 0 North India 27.4 South India 56.0 Tier I 0
Customer Segment	Customer Segment Salaried 61.0 Self-Employed 39.0	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 67.0 Term Loans 17.0 Debenture 12.0 Commercial Papers 4.0 ECB 0 Commercial Paper 0 NCD (retail) 0 NCD (ex retail) 0 Bank loan 0 WC Loans 0 NHB 0 Comercial paper 0 Securitisation Deposits 0 Bank Borrowing 0 Debenture 0	Borrowings Break-Up Term Loans 0 Commercial Papers 8.0 NHB 0 ECB 8.0 Bank Borrowing 0 NCD 30.0 NCD 1.0 Securitisation Deposits 0 Loan From Banks 0 Commercial Papers 0 Debenture 0 Comercial paper 0 WC Loans 0 Bank Loan 48.0 Others 5.0	Borrowings Break-Up Term Loans 0 Commercial Paper 0 NHB 0 ECB 0 Bank Borrowing 39.0 NCD (ex retail) 0 NCD (retail) 0 Securitisation 10.4 Loan From Banks 0 Commercial Papers 0 Debenture 32.3 Comercial paper 4.1 WC Loans 0 Bank loan 0 Others 14.2
Recievable Mix	Recievable Mix Transactor 40.0 Loan From Banks 36.0 Revolver 24.0 RBI RE 0	-	-

SBI Cards And Payment Services Ltd.

SBI Cards And Payment Services Ltd.

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