Tourism Finance Corporation Of India Ltd. benchmarking: Perfomance to industry peers

Financial

	Tourism Finance Corp	Fusion Finance	Indostar Capital Fin
Operational Metrics
Banks
Fresh Slippages - Quarterly	13.01 Crs	n/a	n/a
Net Interest Margin	4.65 %	10.85 %	7.6 %
Yield On Advances	12.84 %	21.2 %	17.1 %
Capital to Risks Assets Ratio (CRAR)	58.13 %	31.31 %	37.2 %
Tier I Capital	56.9 %	20.89 %	28.46 %
NBFC
AUM - NBFC	2101.76 Crs	7038.0 Crs	7564.0 Crs
Cost of Borrowing	9.75 %	10.3 %	10.2 %
Gross NPA	0.38 %	n/a	3.0 %
Net NPA	0.0	n/a	1.1 %
Financials
5 yr Average ROE	9.39 %	-6.99 %	-3.36 %
5yr average Equity Multiplier	2.54	4.63	3.12
5yr Average Asset Turnover Ratio	0.11	0.2	0.12
5yr Avg Net Profit Margin	34.53 %	-0.35 %	-8.37 %
5yr Avg Net Profit Margin	34.53 %	-0.35 %	-8.37 %
5yr CAGR Net Profit	5.08 %	n/a	n/a
5yr CAGR Sales	-1.36 %	22.09 %	2.74 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.43	1.52	0.77
P/E	24.34	0.0	4.94
Shareholdings
Promoter Holding	3.85 %	54.92 %	70.39 %
Share Pledged by Promoters	0.0	4.49 %	0.0
Change in Promoter Holding (3 Yrs)	-14.09 %	-13.26 %	-18.82 %
Change in Mutual Fund Holding (3 Yrs)	0.0	-2.48 %	0.0

	Tourism Finance Corp	Fusion Finance	Indostar Capital Fin
Product Wise Break-Up	Product Wise Break-Up Interest Income 84.85 Net gain on fair value changes 7.83 Fee & Commission income 4.12 Dividend income 0 Fees and Commission Income 0 0 0 0 Interest on loans - Loan portfolio 0 Others 3.2	-	Product Wise Break-Up 0 Dividend income 0 0 Net gain on fair value changes 0 Fee & Commission income 0 Interest Income 88.97 Net gain on fair value changes 2.97 Interest Income 0 Fees and Commission Income 8.05 Others 0.01
Segment Break-Up	Segment Break-Up Financing and investment business 100.0 Micro Finance 0	Segment Break-Up Financing and investment business 0 Micro Finance 100.0	Segment Break-Up Financing and investment business 0 Micro Finance 0 Others 100
Loan Break-Up	Loan Break-Up Hotels 60.0 Social Infrastructure 1.0 Others 39.0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-