Sundaram Finance Ltd. benchmarking: Performance to industry peers

Financial

	Sundaram Finance	Mah & Mah Finl. Serv	SBI Cards AndPayment
Operational Metrics
Asset Management
% of AUM in equity fund	70.76 %	80.63 %	n/a
AUM - Mutual Funds	72312.41 Crs	32264.5 Crs	n/a
5 Yr AUM CAGR - Mutual Funds	17.82 %	43.79 %	n/a
Banks
Net Interest Margin	4.8 %	7.5 %	11.1 %
Fresh Slippages - Quarterly	129.59 Crs	n/a	n/a
General Insurance
Risk Retention Ratio	83.9 %	n/a	n/a
Monthly Gross Direct Premium Income (GDPI)	398.51 Crs	n/a	n/a
Combined Ratio	118.8 %	n/a	n/a
Float	4005.12 Crs	n/a	n/a
Yield On Total Investments - General Insurance	7.68 %	n/a	n/a
NBFC
Gross NPA	1.91 %	3.4 %	n/a
Net NPA	1.06 %	1.4 %	1.04 %
Cost To Income Ratio	28.72 %	38.4 %	57.2 %
Cost of Borrowing	6.3 %	n/a	6.4 %
AUM - NBFC	58236.0 Crs	134096.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	19.1 %	18.8 %	25.5 %
Tier I Capital	16.8 %	16.7 %	20.0 %
Financials
5 yr Average ROE	13.8 %	8.6 %	18.66 %
5yr average Equity Multiplier	5.72	5.74	4.55
5yr Average Asset Turnover Ratio	0.11	0.13	0.31
5yr Avg Net Profit Margin	22.27 %	11.45 %	13.41 %
5yr Avg Net Profit Margin	22.27 %	11.45 %	13.41 %
5yr CAGR Net Profit	10.04 %	23.95 %	14.25 %
5yr CAGR Sales	9.88 %	8.9 %	13.92 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.33	1.67	3.84
P/E	24.5	15.59	27.88
Shareholdings
Promoter Holding	37.21 %	52.49 %	68.92 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.28 %	0.33 %	-0.1 %
Change in Mutual Fund Holding (3 Yrs)	-7.68 %	4.43 %	-1.51 %

Business

	Sundaram Finance	Mah & Mah Finl. Serv	SBI Cards AndPayment
Product Wise Break-Up	Product Wise Break-Up Interest Income 84.42 Fees and Commission 3.84 Lease Rental 2.36 Dividend 0 Instance based & other 0 Spend based 0 Subscription based 0 Others 9.38	-	Product Wise Break-Up Lease Rental 0 Fees and Commission 0 Dividend 0 Spend based 27.0 Subscription 6.0 Instance based & other 17.0 Interest Income 49.0 Others 1.0
Segment Break-Up	Segment Break-Up Asset Financing 92.91 Insurance 0 Others 7.09	-	-
Location Wise Break-Up	Location Wise Break-Up South India 45.2 North India 24.8 West India 10.9 East India 4.1 Central India 0 Tier 3 0 Tier 2 0 Tier 1 0 Others 15.0	Location Wise Break-Up Central India 10.0 North India 33.0 Tier 3 0 East India 20.0 South India 19.0 Tier 1 0 West India 18.0 Tier 2 0	Location Wise Break-Up Central India 0 North India 0 Tier Iii 26.0 East India 0 South India 0 Tier I 35.0 West India 0 Tier Ii 21.0 Others 18.0
Borrowings Break-Up	Borrowings Break-Up Debenture 34.4 Bank Borrowing 34.2 Securitisation 11.2 Comercial paper 7.9 WC Loans 0 NHB 0 Loans repayable on demand 0 Loans from corporates 0 Term loans 0 Term Loans 0 Debentures 0 Commercial Papers 0 Bank Lines 0 Others 12.3	Borrowings Break-Up Bank Borrowing 0 NHB 0 Securitisation 0 Bank Lines 0 WC Loans 0 Loan From Banks 99.95 Debentures 0 Loans from corporates 0 Comercial paper 0 Commercial Papers 0 Term Loans 0 Loans repayable on demand from banks 0.04 Debenture 0 Others 0.01	Borrowings Break-Up Bank Borrowing 0 NHB 0 Securitisation 0 Loan From Banks 63.0 WC Loans 0 Term loans 0 Debenture 14.0 Loans from corporates 0 Comercial paper 0 Commercial Papers 0 Term Loans 23.0 Loans repayable on demand 0 Debenture 0
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Motors 71.25 Health Insurance 21.66 Fire Equipment 2.33 PERSONAL ACCIDENT 1.96 MARINE 1.85 Workmens Compensation /Employers Liability 0.41 Engineering 0.39 Public/Product Liability 0.15 Crop 0	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC 4 Wheeler 25.0 Commercial Vehicles 19.8 Construction Equipment 10.6 Tractor Segment 7.0 Passenger Vehicle 0 SME 0 Pre-owned vehicles 0 0 Others 37.6	AUM Break-Up - NBFC Commercial Vehicles 17.76 Construction Equipment 0 Commercial Vehicles 0 4 Wheeler 0 Utility Vehicles 40.21 Pre-owned vehicles 17.71 Tractor Segment 0 SME 6.2 Others 18.12	-
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 FMP 0 Gilt 0 Others 0.22	AUM Break-Up - Asset Management FMP 0 Gilt 0 Liquid/ Money Market 3.8 Balanced schemes 9.26 Equity 80.63 Debt 6.11 ETF 0 Others 0.2	-

Sundaram Finance Ltd.

Sundaram Finance Ltd.

Financial

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