IFCI Ltd.

Financial

	IFCI	Capri Global Capital	Five Star Business
Operational Metrics
Banking Sector
Net Interest Margin	-5.9 %	8.8 %	16.43 %
Fresh Slippages - Quarterly	59.2 Crs	40.01 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	-48.4 %	22.8 %	49.15 %
Tier I Capital	-48.36 %	n/a	69.93 %
Yield On Advances	12.02 %	n/a	n/a
NBFC
Cost of Borrowing	9.1 %	9.5 %	n/a
Gross NPA	49.1 %	1.5 %	2.46 %
Net NPA	83.8 %	0.9 %	n/a
Financials
5 yr Average ROE	-24.91 %	8.9 %	11.63 %
5yr average Equity Multiplier	4.53	3.56	2.32
5yr Average Asset Turnover Ratio	0.11	0.14	0.18
5yr Avg Net Profit Margin	-45.4 %	18.71 %	29.63 %
5yr Avg Net Profit Margin	-45.4 %	n/a	29.63 %
5yr CAGR Net Profit	n/a	n/a	73.66 %
5yr CAGR Sales	-3.62 %	n/a	64.84 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.8	3.92	2.79
P/E	91.36	29.2	16.19
Shareholdings
Promoter Holding	72.57 %	59.95 %	21.47 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	7.71 %	-14.73 %	-13.4 %
Change in Mutual Fund Holding (3 Yrs)	0.09 %	6.15 %	4.82 %

Business

	IFCI	Capri Global Capital	Five Star Business
Product Wise Break-Up	Product Wise Break-Up Fee & Commission income 38.76 Interest Income 34.29 Service 23.6 Rental Income 2.76 Dividend 0.58 Net gain on fair value changes 0 0 Fee and commission income 0 Others 0.01	Product Wise Break-Up Interest Income 0 Fee & Commission income 10.69 Rental Income 0 Net gain on fair value changes 1.91 Service 0 0 Fee & Commission income 0 Dividend 0 Others 87.4	-
Loan Break-Up	Loan Break-Up STL 37.06 Project Loan 32.49 Corporate Banking 28.91 LAS 1.54 Gold Loan 0 Housing Loans 0 Indirect Retail Lending 0 Construction Finance 0 MSME 0	Loan Break-Up MSME Sector 7.35 Gold Loan 62.6 Construction Finance 14.08 Home loans 8.61 Project Loan 0 Corporate Banking 0 LAS 0 STL 0 Indirect Retail Lending 7.36	-
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
Verticals	Verticals Manufacturing 28.15 Infra - Energy 23.76 Infra - Transport & Logistics 14.28 Service 12.5 Real Estate 9.77 Holding Co 2.85 Infra - Communication 1.28 Mining & Exploration 1.08 Infra - Socail & Commercial 0.43 BFSI 0 Others 5.9	-	-
Borrowings Break-Up	Borrowings Break-Up Private Placement Bonds 32.27 Bank Loan 32.01 Public NCDs 12.18 Subordinate Bonds 8.11 NCD 5.05 Infrastructure Bonds 4.45 Foreign Currency Borrowings 2.63 Tax Free Bonds 1.91 Zero Coupon Bonds 1.39 Debt Securities 0 Term Loans from Banks 0 From Banks (Cash Credit) 0 From Banks (Overdraft) 0 ECB 0 NCD 0 Bank Term Loans 0 Loans repayable on demand 0 Borrowings under Securitisation 0	Borrowings Break-Up From Banks (Overdraft) 0 Foreign Currency Borrowings 0 Debt Securities 1.46 NCD 0 Borrowings under Securitisation 0 Bank Term Loans 0 Loan From Banks 94.57 Tax Free Bonds 0 Infrastructure Bonds 0 Zero Coupon Bonds 0 Loan From Banks 3.65 ECB 0 Public NCDs 0 Loans repayable on demand 0 Private Placement Bonds 0 Subordinate Bonds 0 Bank Loan 0 Others 0.32	Borrowings Break-Up From Banks (Overdraft) 0 Foreign Currency Borrowings 0 Debt Securities 0 Non-Convertible Debentures 9.9 Borrowings under Securitisation 16.83 Term Loans 55.45 Term Loans from Banks 0 Tax Free Bonds 0 Infrastructure Bonds 0 Zero Coupon Bonds 0 From Banks (Cash Credit) 0 External commercial borrowing 0.99 Public NCDs 0 Loans repayable on demand 0 Private Placement Bonds 0 Subordinate Bonds 0 Bank Loan 0 Others 16.83

IFCI Ltd.

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