Sundaram Finance Ltd.

Financial

	Sundaram Finance	L&T Finance	Mah & Mah Finl. Serv
Operational Metrics
Asset Management Sector
5 Yr AUM CAGR - Mutual Funds	18.42 %	12.95 %	41.53 %
% of AUM in equity fund	72.26 %	59.68 %	81.68 %
AUM - Mutual Funds	71959.85 Crs	72603.11 Crs	30717.79 Crs
Banking Sector
Fresh Slippages - Quarterly	129.59 Crs	n/a	n/a
Net Interest Margin	4.8 %	8.24 %	6.7 %
General Insurance Sector
Combined Ratio	114.3 %	n/a	n/a
Yield On Total Investments - General Insurance	5.76 %	n/a	n/a
Monthly Gross Direct Premium Income (GDPI)	327.62 Crs	n/a	n/a
Risk Retention Ratio	74.7 %	n/a	n/a
Float	3686.22 Crs	n/a	n/a
NBFC
Gross NPA	1.26 %	3.31 %	3.8 %
Net NPA	0.63 %	0.99 %	1.9 %
Capital to Risks Assets Ratio (CRAR)	20.5 %	20.68 %	20.6 %
Tier I Capital	16.8 %	19.54 %	17.9 %
Cost of Borrowing	6.3 %	7.68 %	n/a
AUM - NBFC	43987.0 Crs	102314.0 Crs	122008.0 Crs
Cost To Income Ratio	34.69 %	41.3 %	40.8 %
Financials
5 yr Average ROE	13.32 %	7.66 %	8.6 %
5yr average Equity Multiplier	5.92	4.96	5.74
5yr Average Asset Turnover Ratio	0.11	0.12	0.13
5yr Avg Net Profit Margin	21.2 %	12.53 %	11.45 %
5yr Avg Net Profit Margin	21.2 %	12.53 %	11.45 %
5yr CAGR Net Profit	12.65 %	22.18 %	23.95 %
5yr CAGR Sales	8.89 %	2.37 %	8.9 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.85	1.97	1.67
P/E	27.03	18.9	15.68
Shareholdings
Promoter Holding	37.22 %	66.16 %	52.49 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.27 %	-0.07 %	0.33 %
Change in Mutual Fund Holding (3 Yrs)	-7.07 %	7.22 %	7.82 %

Business

	Sundaram Finance	L&T Finance	Mah & Mah Finl. Serv
Product Wise Break-Up	Product Wise Break-Up Interest Income 83.16 Fees and Commission 4.21 Lease Rental 2.64 Dividend 0.45 Others 9.54	-	-
Segment Break-Up	Segment Break-Up Asset Financing 91.04 Insurance 0 Defocused business 0 Infrastructure finance 0 Housing business 0 Rural business 0 Wholesale Business 0 Retail Business 0 Others 8.96	Segment Break-Up Rural business 0 Wholesale Business 11.84 Defocused business 0.48 Insurance 0 Retail Business 85.78 Asset Financing 0 Housing business 0 Infrastructure finance 0 Others 1.9	-
Location Wise Break-Up	Location Wise Break-Up South India 56.0 North India 27.4 West India 12.3 East India 4.3 India 0 Central India 0	Location Wise Break-Up West India 0 India 0 North India 0 East India 0 Central India 0 South India 0 Others 100	Location Wise Break-Up West India 18.0 India 0 North India 33.0 East India 20.0 Central India 10.0 South India 19.0
Borrowings Break-Up	Borrowings Break-Up Bank Borrowing 39.0 Debenture 32.3 Securitisation 10.4 Comercial paper 4.1 WC Loans 0 NHB 0 ECB 0 Commercial Paper 0 NCD (retail) 0 NCD (ex retail) 0 Bank loan 0 Loans repayable on demand 0 Loans from corporates 0 Term loans 0 Others 14.2	Borrowings Break-Up WC Loans 0 NCD 30.0 Term loans 0 Loans from corporates 0 Comercial paper 0 Commercial Papers 8.0 Securitisation 0 Bank Loan 48.0 NCD 1.0 ECB 8.0 NHB 0 Debenture 0 Loans repayable on demand 0 Bank Borrowing 0 Others 5.0	Borrowings Break-Up WC Loans 0 NCD (ex retail) 0 Loan From Banks 99.95 Loans from corporates 0 Comercial paper 0 Commercial Paper 0 Securitisation 0 Bank loan 0 NCD (retail) 0 ECB 0 NHB 0 Debenture 0 Loans repayable on demand from banks 0.04 Bank Borrowing 0 Others 0.01
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Motors 68.94 Health Insurance 24.19 PERSONAL ACCIDENT 2.34 Fire Equipment 2.21 MARINE 1.52 Engineering 0.37 Workmens Compensation /Employers Liability 0.29 Public/Product Liability 0.13 Crop 0 Others 0.01	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC 4 Wheeler 23.8 Commercial Vehicles 21.5 Construction Equipment 10.4 Tractor Segment 7.2 SME 0 Pre-owned vehicles 0 0 Auto/ Utility vehicles 0 Others 37.1	-	AUM Break-Up - NBFC 4 Wheeler 0 Pre-owned vehicles 16.99 Commercial Vehicles 0 Commercial Vehicles 18.38 SME 4.09 Utility Vehicles 41.02 Tractor Segment 0 Construction Equipment 0 Others 19.52
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management EQUITY 74.35 Liquid/ Money Market 10.84 Debt 7.34 Balanced schemes 7.25 ETF 0 Equity 0 FMP 0 Gilt 0 Others 0.22	AUM Break-Up - Asset Management ETF 0 EQUITY 0 Debt 25.22 FMP 0 Balanced schemes 0 Gilt 0 Equity 60.5 Liquid/ Money Market 13.94 Others 0.34	AUM Break-Up - Asset Management ETF 0 Equity 81.68 Debt 5.33 FMP 0 Balanced schemes 8.67 Gilt 0 Equity 0 Liquid/ Money Market 4.22 Others 0.1

Sundaram Finance Ltd.

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