Five-Star Business Finance Ltd.

Financial

	Five Star Business	Capri Global Capital	IFCI
Operational Metrics
Banking Sector
Net NPA	1.25 %	n/a	n/a
Net Interest Margin	16.43 %	8.8 %	-5.9 %
NBFC
AUM - NBFC	12460.0 Crs	22857.3 Crs	n/a
Gross NPA	2.46 %	1.5 %	49.1 %
Cost To Income Ratio	41.34 %	54.8 %	n/a
Tier I Capital	69.93 %	n/a	-48.36 %
Unclassified
Capital to Risks Assets Ratio (CRAR)	49.15 %	22.8 %	-48.4 %
Financials
5 yr Average ROE	11.63 %	8.9 %	-24.91 %
5yr average Equity Multiplier	2.32	3.56	4.53
5yr Average Asset Turnover Ratio	0.18	0.14	0.11
5yr Avg Net Profit Margin	29.63 %	18.71 %	-45.4 %
5yr Avg Net Profit Margin	29.63 %	n/a	-45.4 %
5yr CAGR Net Profit	73.66 %	n/a	n/a
5yr CAGR Sales	64.84 %	n/a	-3.62 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.79	3.92	1.8
P/E	16.19	29.2	91.36
Shareholdings
Promoter Holding	21.47 %	59.95 %	72.57 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-13.4 %	-14.73 %	7.71 %
Change in Mutual Fund Holding (3 Yrs)	4.82 %	6.15 %	0.09 %

Business

	Five Star Business	Capri Global Capital	IFCI
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
Borrowings Break-Up	Borrowings Break-Up Term Loans 55.45 Borrowings under Securitisation 16.83 Non-Convertible Debentures 9.9 External commercial borrowing 0.99 Loans repayable on demand 0 Debt Securities 0 Term Loans from Banks 0 From Banks (Cash Credit) 0 From Banks (Overdraft) 0 Subordinate Bonds 0 NCDs 0 Private Placement Bonds 0 Tax Free Bonds 0 Foreign Currency(KFW Line) 0 Public NCDs 0 Infrastructure Bonds 0 Zero Coupon Bonds 0 Bank Loan 0 Others 16.83	Borrowings Break-Up External commercial borrowing 0 From Banks (Overdraft) 0 Borrowings under Securitisation 0 Foreign Currency(KFW Line) 0 Non-Convertible Debentures 0 Loan From Banks 94.57 Tax Free Bonds 0 Infrastructure Bonds 0 Zero Coupon Bonds 0 Loan From Banks 3.65 NCDs 0 Term Loans 0 Public NCDs 0 Debt Securities 1.46 Loans repayable on demand 0 Private Placement Bonds 0 Subordinate Bonds 0 Bank Loan 0 Others 0.32	Borrowings Break-Up External commercial borrowing 0 From Banks (Overdraft) 0 Borrowings under Securitisation 0 Foreign Currency Borrowings 2.63 Non-Convertible Debentures 0 Term Loans from Banks 0 Tax Free Bonds 1.91 Infrastructure Bonds 4.45 Zero Coupon Bonds 1.39 From Banks (Cash Credit) 0 NCD 5.05 Term Loans 0 Public NCDs 12.18 Debt Securities 0 Loans repayable on demand 0 Private Placement Bonds 32.27 Subordinate Bonds 8.11 Bank Loan 32.01
Segment Wise Break-Up	Segment Wise Break-Up Loans 100.0	-	-

Five-Star Business Finance Ltd.

Five-Star Business Finance Ltd.

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