Sundaram Finance Ltd.

Financial

	Sundaram Finance	L&T Finance	Cholamandalam Fin.
Operational Metrics
Asset Management Sector
5 Yr AUM CAGR - Mutual Funds	18.42 %	12.95 %	n/a
% of AUM in equity fund	71.68 %	59.68 %	n/a
AUM - Mutual Funds	64746.18 Crs	72603.11 Crs	n/a
Banking Sector
Fresh Slippages - Quarterly	129.59 Crs	n/a	n/a
Net Interest Margin	4.8 %	8.5 %	n/a
General Insurance Sector
Combined Ratio	114.3 %	n/a	n/a
Yield On Total Investments - General Insurance	5.76 %	n/a	n/a
Monthly Gross Direct Premium Income (GDPI)	309.13 Crs	n/a	n/a
Risk Retention Ratio	74.7 %	n/a	n/a
Float	3686.22 Crs	n/a	n/a
NBFC
Gross NPA	1.26 %	3.23 %	n/a
Net NPA	0.63 %	0.97 %	n/a
Capital to Risks Assets Ratio (CRAR)	20.5 %	22.48 %	n/a
Tier I Capital	16.8 %	20.86 %	n/a
Cost of Borrowing	6.3 %	7.83 %	n/a
AUM - NBFC	43987.0 Crs	95120.0 Crs	n/a
Cost To Income Ratio	34.69 %	41.7 %	n/a
Financials
5 yr Average ROE	13.32 %	7.91 %	15.47 %
5yr average Equity Multiplier	5.92	5.5	16.37
5yr Average Asset Turnover Ratio	0.11	0.12	0.16
5yr Avg Net Profit Margin	21.2 %	11.62 %	6.22 %
5yr Avg Net Profit Margin	21.2 %	11.62 %	n/a
5yr CAGR Net Profit	12.65 %	6.42 %	n/a
5yr CAGR Sales	8.89 %	-0.85 %	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	4.67	1.85	3.24
P/E	36.6	17.53	17.76
Shareholdings
Promoter Holding	37.22 %	66.24 %	46.45 %
Share Pledged by Promoters	0.0	0.0	0.02 %
Change in Promoter Holding (3 Yrs)	-1.27 %	-0.02 %	-2.17 %
Change in Mutual Fund Holding (3 Yrs)	-5.39 %	6.5 %	-4.78 %

Business

	Sundaram Finance	L&T Finance	Cholamandalam Fin.
Product Wise Break-Up	Product Wise Break-Up Interest Income 83.16 Fees and Commission 4.21 Lease Rental 2.64 Dividend 0.45 Service Income 0 0 Fee & Commission income 0 Premium income (net of re-insurance) 0 0 Dividend Income 0 Others 9.54	-	Product Wise Break-Up Net gain on fair value changes 1.74 Service Income 0.02 Interest Income 74.81 Fees and Commission 0 Dividend 0.08 Fee & Commission income 5.9 0 Dividend 0 Lease Rental 0 Premium income (net of re-insurance) 17.45
Segment Break-Up	Segment Break-Up Asset Financing 91.04 Insurance 0 Defocused business 0 Infrastructure finance 0 Housing business 0 Rural business 0 Wholesale Business 0 Retail Business 0 Financing 0 Others 8.96	Segment Break-Up Asset Financing 0 Housing business 0 Insurance 0 Retail Business 85.78 Infrastructure finance 0 Wholesale Business 11.84 Financing 0 Defocused business 0.48 Rural business 0 Others 1.9	Segment Break-Up Asset Financing 0 Housing business 0 Insurance 23.49 Retail Business 0 Infrastructure finance 0 Wholesale Business 0 Financial Services 76.15 Defocused business 0 Rural business 0 Others 0.36
Location Wise Break-Up	Location Wise Break-Up South India 56.0 North India 27.4 West India 12.3 East India 4.3 India 0	Location Wise Break-Up West India 0 India 100.0 South India 0 North India 0 East India 0	Location Wise Break-Up West India 0 India 100.0 South India 0 North India 0 East India 0
Borrowings Break-Up	Borrowings Break-Up Bank Borrowing 39.0 Debenture 32.3 Securitisation 10.4 Comercial paper 4.1 WC Loans 0 NHB 0 ECB 0 Commercial Paper 0 NCD (retail) 0 NCD (ex retail) 0 Bank loan 0 Loan repayable on demand - Secured 0 External Commercial Borrowings 0 Foreign Currency Loans 0 Rupee Loans 0 Others 14.2	Borrowings Break-Up NHB 0 ECB 5.0 Securitisation 0 NCD 1.0 Comercial paper 0 WC Loans 0 Loan repayable on demand - Secured 0 Rupee Loans 0 Bank Borrowing 0 Commercial Papers 7.0 External Commercial Borrowings 0 Debenture 0 NCD 28.0 Foreign Currency Loans 0 Bank Loan 54.0 Others 5.0	Borrowings Break-Up NHB 0 ECB 0 Securitisation 0 NCD (retail) 0 Comercial paper 0 WC Loans 0 Loan From Banks 3.57 Rupee Loans 91.11 Bank Borrowing 0 Commercial Paper 0 External Commercial Borrowings 5.32 Debenture 0 NCD (ex retail) 0 Foreign Currency Loans 0 Bank loan 0
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Motors 68.94 Health Insurance 24.19 PERSONAL ACCIDENT 2.34 Fire Equipment 2.21 MARINE 1.52 Engineering 0.37 Workmens Compensation /Employers Liability 0.29 Public/Product Liability 0.13 Crop 0 Others 0.01	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC 4 Wheeler 23.8 Commercial Vehicles 21.5 Construction Equipment 10.4 Tractor Segment 7.2 Others 37.1	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management EQUITY 74.35 Liquid/ Money Market 10.84 Debt 7.34 Balanced schemes 7.25 ETF 0 Equity 0 FMP 0 Gilt 0 Others 0.22	AUM Break-Up - Asset Management Equity 60.5 FMP 0 Debt 25.22 Gilt 0 Balanced schemes 0 Liquid/ Money Market 13.94 EQUITY 0 ETF 0 Others 0.34	-

Sundaram Finance Ltd.

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