Muthoot Finance Ltd.

Financial

	Muthoot Finance	REC	Shriram Finance
Operational Metrics
Banking Sector
Net Interest Margin	11.27 %	3.63 %	8.11 %
Yield On Advances	18.57 %	n/a	n/a
NBFC
Gross NPA	4.2 %	1.35 %	4.53 %
Net NPA	3.7 %	0.38 %	2.57 %
Cost To Income Ratio	26.0 %	n/a	29.29 %
Cost of Borrowing	8.7 %	7.11 %	8.8 %
AUM - NBFC	122181.0 Crs	n/a	272249.01 Crs
Capital to Risks Assets Ratio (CRAR)	23.71 %	25.99 %	20.79 %
Tier I Capital	22.95 %	23.76 %	20.16 %
Gold Kept As Security	208.0 Tonnes	n/a	n/a
Unclassified
LTV -Gold Loan	61.0 %	n/a	n/a
Advertisement Spend as a % of Total Sales	0.97 %	n/a	n/a
Financials
5 yr Average ROE	21.25 %	18.47 %	13.54 %
5yr average Equity Multiplier	4.13	8.58	5.42
5yr Average Asset Turnover Ratio	0.16	0.09	0.14
5yr Avg Net Profit Margin	31.48 %	24.76 %	18.42 %
5yr Avg Net Profit Margin	31.48 %	24.76 %	18.42 %
5yr CAGR Net Profit	6.62 %	23.26 %	30.76 %
5yr CAGR Sales	9.31 %	10.27 %	19.13 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.54	1.32	2.05
P/E	19.51	6.12	11.92
Shareholdings
Promoter Holding	73.35 %	52.63 %	25.39 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.02 %	0.0	-3.91 %
Change in Mutual Fund Holding (3 Yrs)	1.01 %	1.23 %	4.1 %

Business

	Muthoot Finance	REC	Shriram Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 97.23 Service Charges 1.6 Sale of Services 0.03 Dividend Income 0.01 Net gain/ (loss) on fair value changes 0 0 Fees and Commission Income 0 Others 1.13	Product Wise Break-Up Interest Income 97.99 Dividend Income 0 Sale of Services 0 Net gain/ (loss) on fair value changes 2.01 0 Service Charges 0 Fees and Commission Income 0	Product Wise Break-Up Interest Income 96.86 Dividend Income 0 Sale of Services 0 Net gain/ (loss) on fair value changes 0 0 Service Charges 0 Fees and Commission Income 0 Others 3.14
Loan Break-Up	Loan Break-Up Gold Loan 87.33 Small & Medium Enterprises (SME) loans 6.41 Auto loans 3.14 Home loans 2.4 Personal Loan 0 Non-Housing Loan 0 Infrastructure 0 Transmission & Distribution 0 Short Term Loan 0 Distribution 0 Transmission 0 Renewable Energy 0 Generation 0 Gold 0 Two Wheelers 0 MSME 0 Farm Equipment`s 0 Construction Equipment`s 0 Personal Loans 0 Commercial vehicles 0 Business loans 0 Tractors 0 Passenger vehicles 0 M&LCVs 0 HCVs 0 Others 0.72	Loan Break-Up Gold Loan 0 Business loans 0 Farm Equipment`s 0 Generation 27.0 Personal Loan 0 Commercial vehicles 0 Loan From Banks 4.0 Non-Housing Loan 0 Distribution 20.0 transmission 5.0 Infrastructure 13.0 Renewable Energy 31.0 Tractors 0 M&LCVs 0 Construction Equipment`s 0 Auto loans 0 Personal Loans 0 Home loans 0 Two Wheelers 0 HCVs 0 Transmission & Distribution 0 Passenger vehicles 0 MSME 0 Small & Medium Enterprises (SME) loans 0 Gold 0	Loan Break-Up Gold Loan 0 Business loans 0 Farm Equipment`s 0 Generation 0 Personal Loan 0 Commercial vehicles 45.23 Short Term Loan 0 Non-Housing Loan 0 Distribution 0 Transmission 0 Infrastructure 0 Renewable Energy 0 Tractors 0 M&LCVs 0 Construction Equipment`s 0 Auto loans 0 Personal Loans 3.79 Home loans 0 Two Wheelers 5.82 HCVs 0 Transmission & Distribution 0 4 Wheeler 20.8 Micro, Small & Medium Enterprises 14.26 Small & Medium Enterprises (SME) loans 0 Gold 1.89 Others 8.21
Location Wise Break-Up	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 52.95 Secured Non-Convertible Debentures 26.2 Commercial Papers 6.93 Subordinated Debt 0 External Commercial Borrowings 0 Overdraft against Deposite 0 Cash Credit/ Short term loan 0 Securitised Loans 0 Loans from related party 0 Pass through certificates payable 0 Loan from Financial Institutions 0 Term Loan from Bank 0 Infra Bonds 0 Banks , Fis , Govt. & etc. 0 Commercial Papers 0 Tax Free Bonds 0 Capital Gain Bonds 0 FCNR (B) Loans 0 Foreign Currency Borrowings 0 0 Bonds 0 Securitisation 0 Subordinate debts 0 Commercial paper 0 Term Loan 0 Public deposit 0 Others 13.92	Borrowings Break-Up Commercial paper 0 Public deposit 0 Overdraft against Deposite 0 Foreign Currency Borrowings 26.0 Subordinated Debt 0 External Commercial Borrowings 0 Loan From Banks 0 Loans 9.0 Securitised Loans 0 Pass through certificates payable 0 Bonds 0 Loans from related party 0 Institutional , Subordinate & Zero Coupon Bonds 42.0 Cash Credit/ Short term loan 0 Tax Free Bonds 2.0 Securitisation 0 Capital Gain Bonds 9.0 Banking 11.0 Infra Bonds 0 Commercial Papers 0 Loan from Financial Institutions 0 Secured Non-Convertible Debentures 0 Subordinate debts 0 Term Loan from Bank 0 Term Loan 0 Others 1.0	Borrowings Break-Up Commercial paper 0 Public Deposit 25.95 Overdraft against Deposite 0 Foreign Currency Borrowings 0 Subordinated Debt 0 External Commercial Borrowings 0 Loan From Banks 0 FCNR (B) Loans 0 Securitised Loans 0 Pass through certificates payable 0 Bonds 0 Loans from related party 0 0 Cash Credit/ Short term loan 0 Tax Free Bonds 0 Securitisation 15.98 Capital Gain Bonds 0 Banks , Fis , Govt. & etc. 0 Infra Bonds 0 Commercial Papers 0 Loan from Financial Institutions 0 Secured Non-Convertible Debentures 0 Subordinate Bonds 1.02 Term Loan from Bank 0 Loan From Banks 20.31 Others 36.74
Borrowings - Geography Wise	Borrowings - Geography Wise Borrowings in India 100.0 Borrowings outside India 0	-	-

Muthoot Finance Ltd.

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