Fedbank Financial Services Ltd

Financial

	Fedbank Financial	Sindhu Trade Links	Indostar Capital Fin
Operational Metrics
Banking Sector
Net Interest Margin	9.5 %	n/a	5.6 %
Net NPA	1.2 %	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	22.4 %	n/a	28.5 %
Gross NPA	2.0 %	n/a	n/a
NBFC
AUM - NBFC	15697.0 Crs	n/a	11053.0 Crs
Cost To Income Ratio	59.2 %	n/a	53.7 %
Cost of Borrowing	8.5 %	n/a	11.3 %
Tier I Capital	14.7 %	n/a	28.87 %
Financials
5 yr Average ROE	9.24 %	2.62 %	-6.44 %
5yr average Equity Multiplier	5.94	4.15	3.16
5yr Average Asset Turnover Ratio	0.13	0.32	0.13
5yr Avg Net Profit Margin	12.08 %	0.43 %	-14.58 %
5yr Avg Net Profit Margin	12.08 %	0.43 %	-14.58 %
5yr CAGR Net Profit	44.28 %	4.67 %	n/a
5yr CAGR Sales	28.46 %	7.19 %	-1.04 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.92	2.54	1.06
P/E	21.24	33.61	31.96
Shareholdings
Promoter Holding	60.97 %	74.97 %	72.98 %
Share Pledged by Promoters	0.0	0.28 %	0.0
Change in Promoter Holding (3 Yrs)	-21.62 %	0.0	-16.23 %
Change in Mutual Fund Holding (3 Yrs)	2.11 %	0.0	0.0

Business

	Fedbank Financial	Sindhu Trade Links	Indostar Capital Fin
Segment Break-Up	Segment Break-Up Retail Finance 93.87 Distribution 1.97 Whole Sale Finance 0.01 Others 4.15	-	Segment Break-Up Distribution 0 Retail Finance 0 Whole Sale Finance 0 Others 100
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Finance 76.98 Distribution 0.54 Whole Sale Finance 0 Power Generation 0 Finance & Investment 0 Oil & Lubricants & Spares 0 Transportation & Logistics 0 Others 22.48	Operating Profit Break-Up Retail Finance 0 Whole Sale Finance 0 Transportation & Logistics 0 Power Generation 0 Oil & Lubricants & Spares 75.59 Finance & Investment 0 Distribution 0 Others 24.41	Operating Profit Break-Up Retail Finance 0 Whole Sale Finance 0 Transportation & Logistics 0 Power Generation 0 Oil & Lubricants & Spares 0 Finance & Investment 0 Distribution 0 Others 100
AUM Break-Up	AUM Break-Up Mortgage 50.99 Gold Loan 37.19 Business Loan 10.47 Others 1.35	-	-
Borrowings Break-Up	Borrowings Break-Up Bank 79.76 Term loans from other Parties 10.86 Term loan from Related Party 9.38 Debt securities 0 0 Loan from Directors 0 ICD Taken 0 Bills Discounting HDFC Bank 0 CC from HDFC Bank 0 CC from IndusInd Bank Limited 0 CC From ICICI Bank Limited 0 From Banks 0 Securitisation 0 CPs 0 Banks 0 NCD 0 Equity 0	Borrowings Break-Up Loan from Directors 0 Term loan from Related Party 0 Current maturities of long term borrowings 36.95 Bills Discounting HDFC Bank 0 Loan From Banks 1.34 Banks 0 NCD 0 Debt securities 0 ICD Taken 0 CPs 0 From Banks 0 Loan From Banks 4.8 Securitisation 0 Term loans from other Parties 0 Loan From Banks 2.17 Equity 0 Bank 0 Others 54.74	Borrowings Break-Up Loan from Directors 0 Term loan from Related Party 0 0 Bills Discounting HDFC Bank 0 CC From ICICI Bank Limited 0 Banking 28.0 NCD 47.0 Debt securities 0 ICD Taken 0 CPs 0 From Banks 0 CC from IndusInd Bank Limited 0 Securitisation 17.0 Term loans from other Parties 0 CC from HDFC Bank 0 Equity 0 Bank 0 Others 8.0
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Finance 99.8 Distribution 0.12 Whole Sale Finance 0 Others 0.08	-	Asset Break-Up - Segment Wise Distribution 0 Retail Finance 0 Whole Sale Finance 0 Others 100
NPA Break-Up	NPA Break-Up Mortgage 81.53 Business Loan 11.37 Gold Loan 7.1	-	-

Fedbank Financial Services Ltd

Fedbank Financial Services Ltd

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