Sammaan Capital Ltd.

Financial

	Sammaan Capital	Can Fin Homes	Aavas Financiers
Operational Metrics
Asset Management Sector
5 Yr AUM CAGR - Mutual Funds	-44.21 %	n/a	n/a
% of AUM in equity fund	48.57 %	n/a	n/a
AUM - Mutual Funds	363.69 Crs	n/a	n/a
Net NPA	0.8 %	0.54 %	0.84 %
Banking Sector
Net Interest Margin	6.9 %	3.64 %	7.48 %
NBFC
Capital to Risks Assets Ratio (CRAR)	34.8 %	25.08 %	43.2 %
Tier I Capital	31.2 %	24.31 %	44.38 %
Gross NPA	1.5 %	0.98 %	1.22 %
Cost To Income Ratio	20.8 %	18.33 %	46.3 %
Cost of Borrowing	8.1 %	7.47 %	8.02 %
AUM - NBFC	62378.0 Crs	38773.0 Crs	20739.7 Crs
Financials
5 yr Average ROE	3.78 %	16.8 %	12.54 %
5yr average Equity Multiplier	4.35	8.63	3.96
5yr Average Asset Turnover Ratio	0.12	0.09	0.12
5yr Avg Net Profit Margin	6.31 %	22.45 %	26.41 %
5yr Avg Net Profit Margin	6.31 %	22.45 %	26.41 %
5yr CAGR Net Profit	n/a	13.44 %	14.53 %
5yr CAGR Sales	-1.28 %	13.96 %	17.47 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.53	2.03	3.0
P/E	0.0	11.7	22.24
Shareholdings
Promoter Holding	0.0	29.99 %	48.96 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-9.59 %	0.0	9.77 %
Change in Mutual Fund Holding (3 Yrs)	-0.57 %	-6.67 %	3.71 %

Business

	Sammaan Capital	Can Fin Homes	Aavas Financiers
Product Wise Break-Up	Product Wise Break-Up Interest Income 65.14 Fees & Commission Income 2.59 Loans for Sites 0 Mortgage Loans/ Flexilap 0 Top-up Personal Loans 0 Housing Loans 0 Corporate 0 Retail 0 Others 32.27	Product Wise Break-Up Loan Against Property 6.51 Fees & Commission Income 0 Home loans 87.46 Corporate 0 Interest Income 0 Loan From Banks 4.78 Loans for Sites 0.88 Retail 0 Others 0.37	Product Wise Break-Up Mortgage Loans/ Flexilap 0 Fees & Commission Income 0 Housing Loans 0 Corporate 0.4 Interest Income 0 Top-up Personal Loans 0 Loans for Sites 0 Retail 99.6
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Debenture 36.0 Sell Down 35.0 Bank Loan 28.0 ECB 1.0 Deposits with less than 1 year tenure 0 Overdraft / WCDL Accounts 0 Commercial Paper 0 Loans & Advances from Related parties 0 Term Loan from Federal Bank 0 Deposits 0 0 Term Loans 0 National Housing Bank 0	Borrowing Break-Up - NBFC Deposits 1.0 Loan From Banks 53.0 ECB 0 National Housing Bank 17.0 Deposits with less than 1 year tenure 0 Loans & Advances from Related parties 0 Debenture 22.0 Bank Loan 0 Overdraft / WCDL Accounts 0 Term Loans 0 Sell Down 0 Debenture 0 Commercial Papers 7.0	-
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
Distribution Channel	Distribution Channel Direct 65.0 eHome Loans 22.0 External Channels 8.0 Branch Walk-ins 5.0	-	-
AUM Break-Up	AUM Break-Up Loan Against Property 53.0 Corporate Banking 29.0 Business Loans 18.0 Mortgage & LAP 0 Rennovation 0 Resale 0 Flat 0 Construction 0	AUM Break-Up Mortgage & LAP 9.0 Corporate Banking 0 Resale 4.0 Loan Against Property 0 Rennovation 2.0 Construction 62.0 Business Loans 0 Flat 7.0 Others 16.0	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Liquid/ Money Market 52.47 Equity 35.81 Debt 8.6 ETF 3.12 Balanced schemes 0 FMP 0	-	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	-	-

Sammaan Capital Ltd.

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