Religare Enterprises Ltd.

Financial

	Religare Enterprises	Bajaj Finserv	Edelweiss Financial
Operational Metrics
Banking Sector
Gross NPA	8.6 %	n/a	n/a
General Insurance Sector
Yield On Total Investments - General Insurance	5.2 %	1.23 %	n/a
Float	3343.65 Crs	10491.67 Crs	n/a
Combined Ratio	90.0 %	101.57 %	n/a
Monthly Gross Direct Premium Income (GDPI)	611.94 Crs	1093.26 Crs	n/a
Risk Retention Ratio	86.0 %	49.62 %	n/a
Financials
5 yr Average ROE	61.84 %	12.38 %	-1.68 %
5yr average Equity Multiplier	-18.44	8.34	7.34
5yr Average Asset Turnover Ratio	0.36	0.21	0.18
5yr Avg Net Profit Margin	-19.52 %	7.08 %	-0.42 %
Price to Book	3.37	4.2	1.29
P/E	33.86	31.11	14.65
5yr Avg Cash Conversion Cycle	14.08 Days	15.6 Days	n/a
Inventory Days	0.04 Days	0.0	n/a
Days Receivable	14.05 Days	15.6 Days	n/a
Days Payable	127.29 Days	19.43 Days	n/a
5yr Average Interest Coverage Ratio	1.01	2.12	n/a
5yr Avg ROCE	-4.94 %	15.8 %	n/a
5yr Avg Operating Profit Margin	-1.13 %	34.1 %	n/a
5 yr average Debt to Equity	-9.47	4.19	n/a
5yr CAGR Net Profit	n/a	19.32 %	n/a
5yr Average Return on Assets	-2.03 %	1.48 %	n/a
Shareholdings
Promoter Holding	0.0	60.69 %	32.76 %
Share Pledged by Promoters	0.0	0.01 %	0.0
Change in Promoter Holding (3 Yrs)	-0.31 %	-0.11 %	-0.12 %
Change in Mutual Fund Holding (3 Yrs)	4.92 %	0.85 %	-1.79 %

Business

	Religare Enterprises	Bajaj Finserv	Edelweiss Financial
Segment Break-Up	Segment Break-Up Insurance 91.46 Broking 5.23 Investment services 2.56 E-Goverance 0.67 Financial Advisory Services 0 Windmill 0 Retail Financing 0 Investment & Others 0 Treasury 0 Asset Reconstruction business 0 Insurance Business 0 Capital based 0 Agency 0 Others 0.08	Segment Break-Up Capital based 0 Asset Reconstruction business 0 Insurance 37.11 Insurance Business 0 Agency 0 Investment services 0 E-Goverance 0 Broking 0 Investments 2.71 Treasury 0 Financial Advisory Services 0 NBFC 46.72 Wind 0.02 Others 13.44	Segment Break-Up Capital based 14.52 Asset Reconstruction 25.83 Insurance 0 Insurance 40.38 Agency 7.19 Investment services 0 E-Goverance 0 Broking 0 Investment & Others 0 Treasury Operations 11.05 Financial Advisory Services 0 Retail Financing 0 Windmill 0 Others 1.03
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Borrowings Break-Up	Borrowings Break-Up Secured 59.33 Un Secured 40.67 ASB 0 PF & Insurance 0 Corporate 0 MF 0 Retail 0 Bank 0	-	Borrowings Break-Up Retail 26.0 Un Secured 0 PF & Insurance 20.0 ASB 0 Banking 43.0 Secured 0 Corporate 0 MF 11.0
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Health 95.87 PERSONAL ACCIDENT 2.95 Credit Insurance 0 Aviation 0 Engineering 0 Public/Product Liability 0 Crop Insurance 0 Health Insurance 0 Worksmens Compensation 0 Motors 0 Marine 0 Fire 0 Motor 0 Others 1.18	Premium Break-Up - General Insurance PERSONAL ACCIDENT 0 Fire Equipment 2.69 Motor 0 Public/Product Liability 0.32 MARINE 1.6 Engineering 0.29 Aviation 0.02 Credit Insurance 0 Motors 40.12 Health 0 Worksmens Compensation 0.53 Health Insurance 37.53 Crop Insurance 8.87 Others 8.03	Premium Break-Up - General Insurance PERSONAL ACCIDENT 0 Fire 2.38 Motor 51.79 Public/Product Liability 0 Marine 0 Engineering 0.15 Aviation 0 Credit Insurance 0 Motors 0 Health 0 Worksmens Compensation 0 Health Insurance 36.4 Crop Insurance 0 Others 9.28

Religare Enterprises Ltd.

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