Mahindra & Mahindra Financial Services Ltd.

Financial

	Mah & Mah Finl. Serv	Cholamandalam Fin.	Poonawalla Fincorp
Operational Metrics
Asset Management Sector
% of AUM in equity fund	81.68 %	n/a	n/a
5 Yr AUM CAGR - Mutual Funds	41.53 %	n/a	n/a
AUM - Mutual Funds	30717.79 Crs	n/a	n/a
Banking Sector
Net Interest Margin	6.7 %	n/a	11.06 %
NBFC
Gross NPA	3.8 %	n/a	1.84 %
Net NPA	1.9 %	n/a	0.85 %
Cost To Income Ratio	40.8 %	n/a	n/a
AUM - NBFC	122008.0 Crs	n/a	41273.0 Crs
Capital to Risks Assets Ratio (CRAR)	20.6 %	n/a	20.55 %
Tier I Capital	17.9 %	n/a	0.0
Financials
5 yr Average ROE	8.6 %	16.54 %	2.02 %
5yr average Equity Multiplier	5.74	16.67	3.83
5yr Average Asset Turnover Ratio	0.13	0.15	0.12
5yr Avg Net Profit Margin	11.45 %	6.69 %	17.47 %
5yr Avg Net Profit Margin	11.45 %	n/a	17.47 %
5yr CAGR Net Profit	23.95 %	n/a	-29.36 %
5yr CAGR Sales	8.9 %	n/a	12.41 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.67	2.74	3.99
P/E	15.68	15.79	0.0
Shareholdings
Promoter Holding	52.49 %	46.44 %	62.46 %
Share Pledged by Promoters	0.0	0.02 %	0.0
Change in Promoter Holding (3 Yrs)	0.33 %	-2.18 %	0.97 %
Change in Mutual Fund Holding (3 Yrs)	7.82 %	-5.78 %	0.65 %

Business

	Mah & Mah Finl. Serv	Cholamandalam Fin.	Poonawalla Fincorp
Loan Break-Up	Loan Break-Up Consumer Finance 85.94 Loans under housing finance business 5.88 Small & Medium Enterprises (SME) loans 3.78 Trading 2.51 Bills of exchange 1.04 0 0 Others 0.85	-	-
Location Wise Break-Up	Location Wise Break-Up North India 33.0 East India 20.0 South India 19.0 West India 18.0 Central India 10.0 India 0	Location Wise Break-Up West India 0 India 100.0 North India 0 East India 0 Central India 0 South India 0	Location Wise Break-Up West India 31.0 India 0 North India 26.0 East India 13.0 Central India 0 South India 30.0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 99.95 Loans repayable on demand from banks 0.04 Loans from corporates 0 Loan repayable on demand - Secured 0 External Commercial Borrowings 0 Foreign Currency Loans 0 Rupee Loans 0 Loans repayable on demand (from banks) 0 Term loans (from banks) 0 Others 0.01	Borrowings Break-Up Loans repayable on demand (from banks) 0 Loan From Banks 3.57 Loans from corporates 0 Foreign Currency Loans 0 External Commercial Borrowings 5.32 Loan From Banks 0 Loans repayable on demand from banks 0 Rupee Loans 91.11 Term loans (from banks) 0	Borrowings Break-Up Loan From Banks 26.15 Loan repayable on demand - Secured 0 Loans from corporates 0 Foreign Currency Loans 0 External Commercial Borrowings 0 Loan From Banks 0 Loans repayable on demand from banks 0 Rupee Loans 0 Loan From Banks 42.85 Others 31.0
Borrowings - Geography Wise	Borrowings - Geography Wise Borrowings in India 90.06 Borrowings outside India 9.94	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 81.68 Balanced schemes 8.67 Debt 5.33 Liquid/ Money Market 4.22 ETF 0 FMP 0 Gilt 0 Others 0.1	-	-
Segment Wise Break-Up	Segment Wise Break-Up Financing Activities 92.27 Others 7.73	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Utility Vehicles 41.02 Commercial Vehicles 18.38 Pre-owned vehicles 16.99 Tractor Segment 13.36 SME 4.09 Cars 0 Others 6.16	-	-

Mahindra & Mahindra Financial Services Ltd.

Mahindra & Mahindra Financial Services Ltd.

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