Five-Star Business Finance Ltd.

Financial

	Five Star Business	IFCI	Capri Global Capital
Operational Metrics
Banking Sector
Net NPA	1.25 %	n/a	n/a
Net Interest Margin	16.43 %	-5.9 %	8.9 %
NBFC
AUM - NBFC	12460.0 Crs	n/a	24753.8 Crs
Gross NPA	2.46 %	49.1 %	1.7 %
Cost To Income Ratio	41.34 %	n/a	46.5 %
Tier I Capital	69.93 %	-48.36 %	n/a
Unclassified
Capital to Risks Assets Ratio (CRAR)	49.15 %	-48.4 %	34.5 %
Financials
5 yr Average ROE	11.63 %	-24.91 %	9.02 %
5yr average Equity Multiplier	2.32	4.53	3.98
5yr Average Asset Turnover Ratio	0.18	0.11	0.13
5yr Avg Net Profit Margin	29.63 %	-45.4 %	17.15 %
5yr Avg Net Profit Margin	29.63 %	-45.4 %	n/a
5yr CAGR Net Profit	73.66 %	n/a	n/a
5yr CAGR Sales	64.84 %	-3.62 %	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.51	1.85	4.26
P/E	14.56	50.42	31.71
Shareholdings
Promoter Holding	21.47 %	72.57 %	59.95 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-13.4 %	7.71 %	-14.73 %
Change in Mutual Fund Holding (3 Yrs)	4.82 %	0.09 %	6.15 %

Business

	Five Star Business	IFCI	Capri Global Capital
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
Borrowings Break-Up	Borrowings Break-Up Term Loans 57.43 Borrowings under Securitisation 14.85 Non-Convertible Debentures 9.9 External commercial borrowing 0.99 Loans repayable on demand 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 Debt Securities 0 Term Loans from Banks 0 From Banks (Cash Credit) 0 From Banks (Overdraft) 0 Others 16.83	Borrowings Break-Up Infrastructure Bonds 4.45 From Banks (Overdraft) 0 NCD 5.05 Private Placement Bonds 32.27 Tax Free Bonds 1.91 External commercial borrowing 0 Public NCDs 12.18 Non-Convertible Debentures 0 Borrowings under Securitisation 0 Zero Coupon Bonds 1.39 Term Loans from Banks 0 Term Loans 0 Subordinate Bonds 8.11 Loans repayable on demand 0 Debt Securities 0 Bank Loan 32.01 Foreign Currency Borrowings 2.63 From Banks (Cash Credit) 0	Borrowings Break-Up Infrastructure Bonds 0 From Banks (Overdraft) 0 NCDs 0 Private Placement Bonds 0 Tax Free Bonds 0 External commercial borrowing 0 Public NCDs 0 Non-Convertible Debentures 0 Borrowings under Securitisation 0 Zero Coupon Bonds 0 Loan From Banks 94.03 Term Loans 0 Subordinate Bonds 0 Loans repayable on demand 0 Debt Securities 3.27 Bank Loan 0 Foreign Currency(KFW Line) 0 Loan From Banks 2.53 Others 0.17
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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