Sundaram Finance Ltd.

Financial

	Sundaram Finance	L&T Finance	Mah & Mah Finl. Serv
Operational Metrics
Asset Management Sector
5 Yr AUM CAGR - Mutual Funds	18.42 %	12.95 %	41.53 %
% of AUM in equity fund	72.12 %	59.68 %	79.46 %
AUM - Mutual Funds	66720.51 Crs	72603.11 Crs	28438.24 Crs
Banking Sector
Fresh Slippages - Quarterly	129.59 Crs	n/a	n/a
Net Interest Margin	4.8 %	8.15 %	6.5 %
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)	520.28 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 %	2.9 %	3.69 %
Net NPA	0.63 %	0.81 %	1.84 %
Capital to Risks Assets Ratio (CRAR)	20.5 %	22.27 %	18.3 %
Tier I Capital	16.8 %	20.76 %	15.2 %
Cost of Borrowing	6.3 %	7.84 %	n/a
AUM - NBFC	43987.0 Crs	97762.0 Crs	119673.0 Crs
Cost To Income Ratio	34.69 %	41.3 %	41.7 %
Financials
5 yr Average ROE	13.32 %	7.66 %	8.3 %
5yr average Equity Multiplier	5.92	4.96	5.77
5yr Average Asset Turnover Ratio	0.11	0.12	0.14
5yr Avg Net Profit Margin	21.2 %	12.53 %	10.81 %
5yr Avg Net Profit Margin	21.2 %	12.53 %	10.81 %
5yr CAGR Net Profit	12.65 %	22.18 %	12.44 %
5yr CAGR Sales	8.89 %	2.37 %	5.89 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	4.27	1.85	1.78
P/E	29.98	17.93	16.94
Shareholdings
Promoter Holding	37.22 %	66.24 %	52.16 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.27 %	-0.02 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-5.39 %	6.5 %	7.46 %

Business

	Sundaram Finance	L&T Finance	Mah & Mah Finl. Serv
Product Wise Break-Up	Product Wise Break-Up Interest Income 83.16 Fees and Commission 4.21 Lease Rental 2.64 Dividend 0.45 Others 9.54	-	-
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 Others 8.96	Segment Break-Up Rural business 0 Defocused business 0.48 Wholesale Business 11.84 Housing business 0 Infrastructure finance 0 Retail Business 85.78 Asset Financing 0 Insurance 0 Others 1.9	-
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 Central India 0	Location Wise Break-Up East India 0 India 0 West India 0 Central India 0 South India 0 North India 0 Others 100	Location Wise Break-Up East India 20.0 India 0 West India 18.0 Central India 10.0 South India 19.0 North India 33.0
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 Loans repayable on demand 0 Loans from corporates 0 Term loans 0 Others 14.2	Borrowings Break-Up Term loans 0 Debenture 0 WC Loans 0 NHB 0 ECB 8.0 NCD 1.0 NCD 26.0 Commercial Papers 7.0 Bank Loan 53.0 Loans repayable on demand 0 Loans from corporates 0 Securitisation 0 Bank Borrowing 0 Comercial paper 0 Others 5.0	Borrowings Break-Up Loan From Banks 99.47 Debenture 0 WC Loans 0 NHB 0 ECB 0 NCD (retail) 0 NCD (ex retail) 0 Commercial Paper 0 Bank loan 0 Loans repayable on demand 0 Loan from Body Corporates 0.16 Securitisation 0 Bank Borrowing 0 Comercial paper 0 Others 0.37
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 SME 0 Pre-owned vehicles 0 0 Auto/ Utility vehicles 0 Others 37.1	-	AUM Break-Up - NBFC Commercial Vehicles 23.52 4 Wheeler 0 Commercial Vehicles 0 Pre-owned vehicles 16.82 Utility Vehicles 38.77 Tractor Segment 0 SME 6.45 Construction Equipment 0 Others 14.44
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 ETF 0 FMP 0 Gilt 0 Balanced schemes 0 EQUITY 0 Liquid/ Money Market 13.94 Equity 60.5 Debt 25.22 Others 0.34	AUM Break-Up - Asset Management ETF 0 FMP 0 Gilt 0 Balanced schemes 8.74 Equity 79.45 Liquid/ Money Market 6.18 Equity 0 Debt 5.54 Others 0.09

Sundaram Finance Ltd.

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