GIC Housing Finance Ltd.

Financial

	GIC Housing Fin	SRG Housing	Reliance Home Financ
Operational Metrics
Banking Sector
Net Interest Margin	3.28 %	10.63 %	3.8 %
NBFC
Cost To Income Ratio	67.77 %	67.47 %	35.0 %
Cost of Borrowing	8.22 %	11.11 %	9.0 %
Capital to Risks Assets Ratio (CRAR)	33.56 %	47.75 %	-3992.56 %
Gross NPA	1.76 %	1.84 %	0.9 %
Net NPA	1.96 %	0.61 %	41.03 %
Financials
5 yr Average ROE	10.12 %	14.64 %	-878.44 %
5yr average Equity Multiplier	6.33	3.81	-48.31
5yr Average Asset Turnover Ratio	0.1	0.19	1.71
5yr Avg Net Profit Margin	15.85 %	20.57 %	-132.59 %
5yr Avg Net Profit Margin	15.85 %	20.57 %	-132.59 %
5yr CAGR Net Profit	-1.56 %	5.31 %	140.45 %
5yr CAGR Sales	-1.19 %	15.05 %	36.36 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.52	1.93	0.0
P/E	6.33	20.88	10.31
Shareholdings
Promoter Holding	42.41 %	59.11 %	0.74 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-5.85 %	-48.84 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	GIC Housing Fin	SRG Housing	Reliance Home Financ
Product Wise Break-Up	Product Wise Break-Up Interest Income 98.29 Fee and commission 0.48 Dividend income 0 Fee & Commission 0 NBFC 0 Fees and Commission Income 0 Others 1.23	Product Wise Break-Up Interest Income 86.46 Fees and Commission Income 0 Fee and commission 0 Net gain On Derecognition of Financial Instrument Under Amortized Cost 7.01 NBFC 0 Dividend income 0 Others 6.53	Product Wise Break-Up Interest Income 100.0 Fees and Commission Income 0 Fee and commission 0 Fee & Commission 0 NBFC 0 Dividend income 0
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Loan From Banks 83.96 Short Term Banks From Loans 10.35 National Housing Bank 4.75 Debenture 0 Commercial papers 0 From Insurance Company 0 Others 0.94	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 Maharashtra 0 Gujarat 0 Madhya Pradesh 0 Rajasthan 0	Location Wise Break-Up Gujarat 39.11 Rajasthan 44.47 Maharashtra 0 Rest of the World 0 India 0 Madhya Pradesh 8.74 Others 7.68	Location Wise Break-Up Gujarat 0 Rajasthan 0 Maharashtra 0 Rest of the World 0 India 100.0 Madhya Pradesh 0
AUM Break-Up - NBFC	AUM Break-Up - NBFC Home loans 100.0	-	-