Sammaan Capital Ltd. benchmarking: Performance to industry peers

Financial

	Sammaan Capital	Aptus Value Housing	Home First Finance
Operational Metrics
Asset Management
5 Yr AUM CAGR - Mutual Funds	-44.21 %	n/a	n/a
% of AUM in equity fund	48.57 %	n/a	n/a
AUM - Mutual Funds	363.69 Crs	n/a	n/a
Net NPA	0.8 %	1.15 %	n/a
Banks
Net Interest Margin	5.5 %	13.3 %	5.9 %
NBFC
Capital to Risks Assets Ratio (CRAR)	34.8 %	71.0 %	44.1 %
Tier I Capital	31.2 %	71.08 %	n/a
Gross NPA	1.4 %	1.52 %	1.8 %
Cost To Income Ratio	20.8 %	n/a	32.5 %
Cost of Borrowing	8.1 %	8.1 %	7.9 %
AUM - NBFC	64004.0 Crs	13107.0 Crs	15877.7 Crs
Financials
5 yr Average ROE	5.43 %	14.98 %	12.24 %
5yr average Equity Multiplier	4.35	2.29	3.95
5yr Average Asset Turnover Ratio	0.12	0.15	0.12
5yr Avg Net Profit Margin	6.31 %	44.18 %	26.48 %
5yr Avg Net Profit Margin	6.31 %	44.18 %	26.48 %
5yr CAGR Net Profit	n/a	22.99 %	30.71 %
5yr CAGR Sales	-1.28 %	22.26 %	25.77 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.73	2.67	2.63
P/E	12.7	14.31	21.19
Shareholdings
Promoter Holding	0.0	23.87 %	6.99 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-38.33 %	-23.22 %
Change in Mutual Fund Holding (3 Yrs)	3.0 %	23.02 %	11.79 %

Business

	Sammaan Capital	Aptus Value Housing	Home First Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 69.53 Fees & Commission Income 2.75 Net gain on fair value changes 0 Net gain on fair value charge 0 Fees & commission 0 Interest income 0 Others 27.72	Product Wise Break-Up Fees & commission 0 Interest Income 88.24 Net gain on fair value charge 0 Interest income 0 Others 0.53 Fees 2.69 Others 8.54	Product Wise Break-Up Fee & Commission income 4.47 Interest Income 0 Net gain on derecognition of financial assets carried at fair value 4.29 Interest Income 85.71 Net gain on fair value changes 0 Fees & Commission Income 0 Others 5.53
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Debenture 36.0 Sell Down 35.0 Bank Loan 28.0 ECB 1.0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 Karnataka 0 Telangana 0 Andhra Pradesh 0 Tamil Nadu 0	Location Wise Break-Up Karnataka 7.67 India 0 Rest of the World 0 Tamil Nadu 30.96 Telangana 17.02 Andhra Pradesh 43.46 Others 0.89	Location Wise Break-Up Karnataka 6.0 India 0 Rest of the World 0 Tamil Nadu 12.1 Telangana 8.4 Andhra Pradesh 5.6 Others 67.9
Distribution Channel	Distribution Channel Direct 65.0 eHome Loans 22.0 External Channels 8.0 Branch Walk-ins 5.0	-	-
AUM Break-Up	AUM Break-Up Loan Against Property 53.0 Corporate Banking 29.0 Business Loans 18.0	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Liquid/ Money Market 52.47 Equity 35.81 Debt 8.6 ETF 3.12 Balanced schemes 0 FMP 0	-	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	-	-

Sammaan Capital Ltd.

Sammaan Capital Ltd.

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