DCB Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	DCB Bank	Equitas Small Fin.	Utkarsh Small Fin.
Operational Metrics
Banks
Net Interest Margin	3.23 %	6.29 %	n/a
Yield On Advances	11.11 %	15.73 %	n/a
Gross NPA	2.91 %	2.82 %	n/a
CASA Ratio	23.52 %	31.0 %	n/a
CASA vs Liabilities	19.31 %	24.66 %	n/a
Credit Deposit Ratio	81.78 %	82.44 %	n/a
Cost To Income Ratio	61.15 %	75.89 %	n/a
Fresh Slippages - Quarterly	401.0 Crs	355.19 Crs	n/a
Net NPA	1.21 %	0.95 %	n/a
Capital to Risks Assets Ratio (CRAR)	16.41 %	20.74 %	n/a
Tier I Capital	13.97 %	16.44 %	n/a
Tier 2 Capital	2.44 %	4.3 %	n/a
NBFC
Cost of Borrowing	7.01 %	7.35 %	n/a
Financials
5 yr Average ROE	10.66 %	9.79 %	11.47 %
5yr average Equity Multiplier	11.8	7.34	9.1
5yr Average Asset Turnover Ratio	0.09	0.14	0.15
5yr Avg Net Profit Margin	8.73 %	8.86 %	7.67 %
5yr Avg Net Profit Margin	8.73 %	8.86 %	7.67 %
5yr CAGR Net Profit	12.88 %	-17.48 %	-26.68 %
5yr CAGR Sales	13.09 %	14.86 %	20.4 %
5 yr CAGR PPOP	3.2 %	8.52 %	18.1 %
Price to Book	0.86	1.18	1.21
P/E	7.64	0.0	0.0
Shareholdings
Promoter Holding	14.66 %	0.0	68.92 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.19 %	-74.5 %	-0.36 %
Change in Mutual Fund Holding (3 Yrs)	-6.02 %	30.1 %	-7.05 %

Business

	DCB Bank	Equitas Small Fin.	Utkarsh Small Fin.
Loan Break-Up	Loan Break-Up Mortage 42.8 AIB 23.5 Corporate Banking 6.5 Small & Medium Enterprises (SME) loans 4.2 Gold Loan 3.9 Commercial Vehicles 0.9 Construction Finance 0 Housing Finance 0 NBFC Finance 0 Corporate Loans 0 MSE Finance (Working Capital) 0 Micro Finance 0 Vehicle Finance 0 0 Microbanking Loans+JLG 0 CE and CV 0 Business Correspondent (BC) 0 Wholesale Lending 0 Retail Assets (MSME) 0 Housing Loans 0 Others 18.2	Loan Break-Up CE and CV 0 Auto Loans 24.3 Wholesale Lending 0 Gold Loan 0 Small & Medium Enterprises (SME) loans 39.42 Business Correspondent (BC) 0 NBFC Finance 1.84 Commercial Vehicles 0 Small & Medium Enterprises (SME) loans 0 Small & Medium Enterprises (SME) loans 17.13 AIB 0 Corporate Loans 0 Corporate Banking 0 Construction Finance 0 Mortage 0 Housing Finance 12.45 Microbanking Loans+JLG 0 Retail Assets (MSME) 0 Small & Medium Enterprises (SME) loans 3.54 Housing Loans 0 Others 1.32	Loan Break-Up CE and CV 6.0 Vehicle Finance 0 Wholesale Lending 11.0 Gold Loan 0 0 Business Correspondent (BC) 0 NBFC Finance 0 Commercial Vehicles 0 Small & Medium Enterprises (SME) loans 0 Micro Finance 0 AIB 0 Corporate Loans 0 Corporate Banking 0 Construction Finance 0 Mortage 0 Housing Finance 0 Microbanking Loans 47.0 Retail Assets (MSME) 21.0 MSE Finance (Working Capital) 0 Housing Loans 5.0 Others 10.0
Segment Break-Up	Segment Break-Up Consumer Finance 70.74 Treasury Operations 21.25 Corporate Banking 5.75 Other Banking Business 0 Corporate/Wholesale Banking 0 Treasury 0 Corporate/ Wholesale Banking 0 Others 2.26	Segment Break-Up Corporate Banking 0 Treasury Operations 17.27 Other Banking Business 0 Corporate/ Wholesale Banking 0 Consumer Finance 0 Corporate Banking 0.81 Treasury Operations 0 Others 81.92	Segment Break-Up Corporate Banking 0 Treasury 15.73 Other Banking Business 0 Corporate/ Wholesale Banking 6.3 Consumer Finance 0 Corporate/Wholesale Banking 0 Treasury Operations 0 Others 77.97
Loan Break-Up	Loan Break-Up Mortage 42.8 AIB 23.5 Corporate Banking 6.5 Small & Medium Enterprises (SME) loans 4.2 Gold Loan 3.9 Commercial Vehicles 0.9 Construction Finance 0 Housing Finance 0 NBFC Finance 0 Corporate Loans 0 MSE Finance (Working Capital) 0 Micro Finance 0 Vehicle Finance 0 0 Microbanking Loans+JLG 0 CE and CV 0 Business Correspondent (BC) 0 Wholesale Lending 0 Retail Assets (MSME) 0 Housing Loans 0 Others 18.2	Loan Break-Up CE and CV 0 Auto Loans 24.3 Wholesale Lending 0 Gold Loan 0 Small & Medium Enterprises (SME) loans 39.42 Business Correspondent (BC) 0 NBFC Finance 1.84 Commercial Vehicles 0 Small & Medium Enterprises (SME) loans 0 Small & Medium Enterprises (SME) loans 17.13 AIB 0 Corporate Loans 0 Corporate Banking 0 Construction Finance 0 Mortage 0 Housing Finance 12.45 Microbanking Loans+JLG 0 Retail Assets (MSME) 0 Small & Medium Enterprises (SME) loans 3.54 Housing Loans 0 Others 1.32	Loan Break-Up CE and CV 6.0 Vehicle Finance 0 Wholesale Lending 11.0 Gold Loan 0 0 Business Correspondent (BC) 0 NBFC Finance 0 Commercial Vehicles 0 Small & Medium Enterprises (SME) loans 0 Micro Finance 0 AIB 0 Corporate Loans 0 Corporate Banking 0 Construction Finance 0 Mortage 0 Housing Finance 0 Microbanking Loans 47.0 Retail Assets (MSME) 21.0 MSE Finance (Working Capital) 0 Housing Loans 5.0 Others 10.0
Location Wise Break-Up	Location Wise Break-Up India 100.0 International 0 Domestic 0	Location Wise Break-Up India 0 Domestic 100.0 International 0	-
Borrowings Break-Up	Borrowings Break-Up Other Institutions and Agencies 71.41 Reserve Bank of India 18.81 Subordinated Debt 7.68 Other banks - India 0.77 0 0 Other institutions and agencies 0 Other banks 0 Other Institutions & Agencies 0 Tier 2 Capital 0 RBI 0 Others 1.33	Borrowings Break-Up Reserve Bank of India 0 Other banks - India 0 0 RBI 0 Other Institutions and Agencies 0 Other banks 0 Other Institutions & Agencies 0 Other Institutions & Agencies 100.0 Subordinated Debt 0 Tier 2 Capital 0 0	Borrowings Break-Up Reserve Bank of India 0 Other banks - India 0 0 RBI 0 Other Institutions and Agencies 0 Other banks 0 Other Institutions & Agencies 77.87 Other institutions and agencies 0 Subordinated Debt 0 Tier 2 Capital 21.87 0 Others 0.26
Profit Before Tax	Profit Before Tax Treasury Operations 61.55 Consumer Finance 17.83 Corporate Banking 2.77 Others 17.85	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Treasury Operations 62.57 Consumer Finance 30.36 Corporate Banking 6.34 Others 0.73	-	-
NPA Break-Up	NPA Break-Up Mortage 40.69 AIB 29.4 Corporate 10.33 Small & Medium Enterprises (SME) loans 9.31 CV/STVL 3.38 Gold Loan 1.72 Housing 0 Micro, Small and Medium Enterprises 0 Agriculture 0 Others 5.17	NPA Break-Up Mortage 0 Micro, Small and Medium Enterprises 0 Gold Loan 0 Housing 19.56 AIB 0 Agricultural 19.53 Small & Medium Enterprises (SME) loans 0 CV/STVL 0 Corporate 0 Others 60.91	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 51.64 Non Priority Sector 48.36 Non-priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 72.92 Non Priority Sector 27.08 Priority Sector 0	-

DCB Bank Ltd.

DCB Bank Ltd.

Financial

Business

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