SBI Cards And Payment Services Ltd.

Financial

	SBI Cards AndPayment	REC	L&T Finance
Operational Metrics
Banking Sector
Net Interest Margin	11.2 %	3.63 %	8.24 %
Gross NPA	3.07 %	n/a	n/a
Interest Income Yield - Credit Cards	17.0 %	n/a	n/a
Cards In Force	21200.0 Thousands	n/a	n/a
30 Day Spend Active Rate	52.0 %	n/a	n/a
Receivable Per Card	26710.0 Rs	n/a	n/a
Online Spend as a % of Total Spend	60.7 %	n/a	n/a
Cost To Income Ratio	50.3 %	n/a	40.0 %
Capital to Risks Assets Ratio (CRAR)	23.2 %	25.99 %	20.68 %
NBFC
Cost of Borrowing	7.1 %	7.11 %	7.68 %
Net NPA	1.42 %	0.38 %	0.99 %
Unclassified
Tier 2 Capital	5.3 %	n/a	n/a
Tier I Capital	17.9 %	23.76 %	19.54 %
Financials
5 yr Average ROE	18.66 %	19.72 %	7.66 %
5yr average Equity Multiplier	4.55	8.18	4.96
5yr Average Asset Turnover Ratio	0.31	0.09	0.12
5yr Avg Net Profit Margin	13.41 %	27.08 %	12.53 %
5yr Avg Net Profit Margin	13.41 %	27.08 %	12.53 %
5yr CAGR Net Profit	14.25 %	13.65 %	22.18 %
5yr CAGR Sales	13.92 %	9.67 %	2.37 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	6.01	1.29	2.41
P/E	44.14	6.0	23.2
Shareholdings
Promoter Holding	68.59 %	52.63 %	66.16 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.05 %	0.0	-0.07 %
Change in Mutual Fund Holding (3 Yrs)	-1.5 %	1.23 %	7.22 %

Business

	SBI Cards AndPayment	REC	L&T Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 51.0 Spend based 24.0 Instance based & other 19.0 Subscription 6.0 Net gain/ (loss) on fair value changes 0 0 Fees and Commission Income 0 Dividend Income 0	Product Wise Break-Up Dividend Income 0 Subscription 0 Instance based & other 0 Interest Income 96.3 Fees and Commission Income 0.98 Spend based 0 0 Net gain/ (loss) on fair value changes 2.17 Others 0.55	-
Location Wise Break-Up	Location Wise Break-Up Tier I 35.0 Tier Iii 26.0 Tier Ii 22.0 India 0 Others 17.0	Location Wise Break-Up India 100.0 Tier I 0 Tier Iii 0 Tier Ii 0	Location Wise Break-Up India 0 Tier I 0 Tier Iii 0 Tier Ii 0 Others 100
Customer Segment	Customer Segment Salaried 61.0 Self-Employed 39.0 Private 0 Joint 0 State 0	Customer Segment Salaried 0 STATE 87.0 Private 13.0 Self-Employed 0 Joint 0	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 67.0 Term Loans 17.0 Debenture 12.0 Commercial Papers 4.0 Infra Bonds 0 Banks , Fis , Govt. & etc. 0 Tax Free Bonds 0 Capital Gain Bonds 0 FCNR (B) Loans 0 Foreign Currency Borrowings 0 0 ECB 0 Commercial Paper 0 NCD (retail) 0 NCD (ex retail) 0 Bank loan 0	Borrowings Break-Up Infra Bonds 0 ECB 0 Loan From Banks 0 Term Loans 0 Institutional , Subordinate & Zero Coupon Bonds 45.0 NCD (retail) 0 Bank loan 0 Capital Gain Bonds 9.0 Foreign Currency Borrowings 24.0 Commercial Paper 0 Banking 13.0 Debenture 0 NCD (ex retail) 0 Commercial Papers 0 Tax Free Bonds 2.0 Loans 6.0 Others 1.0	Borrowings Break-Up Infra Bonds 0 ECB 8.0 Loan From Banks 0 Term Loans 0 0 NCD 1.0 Bank Loan 48.0 Capital Gain Bonds 0 Foreign Currency Borrowings 0 Commercial Papers 8.0 Banks , Fis , Govt. & etc. 0 Debenture 0 NCD 30.0 Commercial Papers 0 Tax Free Bonds 0 FCNR (B) Loans 0 Others 5.0
Recievable Mix	Recievable Mix Transactor 40.0 Loan From Banks 36.0 Revolver 24.0 RBI RE 0	-	-

SBI Cards And Payment Services Ltd.

SBI Cards And Payment Services Ltd.

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