GIC Housing Finance Ltd. benchmarking: Performance to industry peers

Financial

	GIC Housing Fin	SRG Housing	Reliance Home Financ
Operational Metrics
Banks
Net Interest Margin	3.32 %	10.72 %	3.8 %
NBFC
Cost To Income Ratio	67.77 %	64.1 %	35.0 %
Cost of Borrowing	7.97 %	11.01 %	9.0 %
Capital to Risks Assets Ratio (CRAR)	33.56 %	38.99 %	-3992.56 %
Gross NPA	4.52 %	1.83 %	0.9 %
Net NPA	1.99 %	0.68 %	41.03 %
Financials
5 yr Average ROE	10.12 %	14.64 %	594.52 %
5yr average Equity Multiplier	6.33	3.81	-48.31
5yr Average Asset Turnover Ratio	0.1	0.19	1.71
5yr Avg Net Profit Margin	15.85 %	20.57 %	-132.59 %
5yr Avg Net Profit Margin	15.85 %	20.57 %	-132.59 %
5yr CAGR Net Profit	-1.56 %	5.31 %	140.45 %
5yr CAGR Sales	-1.19 %	15.05 %	36.36 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.41	1.48	0.0
P/E	5.95	13.53	4.49
Shareholdings
Promoter Holding	42.41 %	59.03 %	0.74 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-9.2 %	-48.84 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

	GIC Housing Fin	SRG Housing	Reliance Home Financ
Product Wise Break-Up	Product Wise Break-Up Interest Income 97.99 Fee and commission 0.48 Dividend income 0 Fee & Commission 0 NBFC 0 Fees and Commission Income 0 Others 1.53	Product Wise Break-Up Net gain On Derecognition of Financial Instrument Under Amortized Cost 6.05 Interest Income 87.9 Fees and Commission Income 0 Dividend income 0 NBFC 0 Fee and commission 0 Others 6.05	Product Wise Break-Up Fee & Commission 0 Interest Income 100.0 Fees and Commission Income 0 Dividend income 0 NBFC 0 Fee and commission 0
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Loan From Banks 83.96 Short Term Banks From Loans 10.35 National Housing Bank 4.75 Debenture 0 Commercial papers 0 From Insurance Company 0 Others 0.94	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 Maharashtra 0 Gujarat 0 Madhya Pradesh 0 Rajasthan 0	Location Wise Break-Up Rajasthan 38.37 Madhya Pradesh 6.44 Maharashtra 0 India 0 Rest of the World 0 Gujarat 39.33 Others 15.86	Location Wise Break-Up Rajasthan 0 Madhya Pradesh 0 Maharashtra 0 India 100.0 Rest of the World 0 Gujarat 0
AUM Break-Up - NBFC	AUM Break-Up - NBFC Home loans 100.0	-	-