DCB Bank Ltd.

Financial

	DCB Bank	ESAF Small Finance	Dhanlaxmi Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.62 %	10.6 %	3.34 %
Yield On Advances	11.71 %	21.1 %	9.57 %
Gross NPA	3.23 %	4.2 %	4.81 %
CASA Ratio	26.02 %	18.9 %	31.1 %
CASA vs Liabilities	20.37 %	n/a	28.15 %
Credit Deposit Ratio	82.92 %	n/a	69.35 %
Cost To Income Ratio	63.69 %	56.6 %	77.67 %
Fresh Slippages - Quarterly	322.0 Crs	n/a	28.41 Crs
Net NPA	1.11 %	2.2 %	1.27 %
Capital to Risks Assets Ratio (CRAR)	16.59 %	21.0 %	12.37 %
Tier I Capital	14.53 %	18.9 %	10.75 %
Tier 2 Capital	2.06 %	2.1 %	1.61 %
NBFC
Cost of Borrowing	7.14 %	7.3 %	5.29 %
Financials
5 yr Average ROE	10.5 %	13.18 %	5.67 %
5yr average Equity Multiplier	11.16	10.02	15.31
5yr Average Asset Turnover Ratio	0.09	0.15	0.08
5yr Avg Net Profit Margin	8.83 %	7.67 %	3.65 %
5yr Avg Net Profit Margin	8.83 %	7.67 %	3.65 %
5yr CAGR Net Profit	7.43 %	27.34 %	33.43 %
5yr CAGR Sales	6.33 %	22.46 %	2.27 %
5 yr CAGR PPOP	4.0 %	31.29 %	5.35 %
Price to Book	0.86	1.6	1.09
P/E	8.16	10.51	12.08
Shareholdings
Promoter Holding	14.77 %	63.39 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.11 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	-6.44 %	0.02 %	0.0

Business

	DCB Bank	ESAF Small Finance	Dhanlaxmi Bank
Segment Break-Up	Segment Break-Up Consumer Finance 68.81 Treasury Operations 21.98 Corporate Banking 7.66 Retail banking 0 Wholesale banking 0 Treasury 0 Corporate/ Wholesale Banking 0 Others 1.55	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Treasury Operations 9.04 Consumer Finance 87.28 Treasury Operations 0 Corporate/ Wholesale Banking 0 Corporate Banking 2.03 Others 1.65	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Treasury Operations 18.53 Retail banking 0 Treasury Operations 0 Corporate Banking 27.45 Wholesale banking 0 Others 54.02
Loan Break-Up	Loan Break-Up Mortage 45.0 AIB 23.9 Corporate Banking 7.8 Small & Medium Enterprises (SME) loans 6.0 Gold Loan 3.1 Commercial Vehicles 0.6 Construction Finance 0 Retail 0 Gold 0 SME 0 Agri & Micro 0 Corporate 0 Others 13.6	-	Loan Break-Up Gold Loan 0 Corporate Banking 0 SME 16.19 Small & Medium Enterprises (SME) loans 0 Agricultural 8.25 Corporate 26.57 Mortage 0 Retail 23.06 Commercial Vehicles 0 Construction Finance 0 AIB 0 Gold 25.94
Loan Break-Up	Loan Break-Up Mortage 45.0 AIB 23.9 Corporate Banking 7.8 Small & Medium Enterprises (SME) loans 6.0 Gold Loan 3.1 Commercial Vehicles 0.6 Construction Finance 0 Retail 0 Gold 0 SME 0 Agri & Micro 0 Corporate 0 Others 13.6	-	Loan Break-Up Gold Loan 0 Corporate Banking 0 SME 16.19 Small & Medium Enterprises (SME) loans 0 Agricultural 8.25 Corporate 26.57 Mortage 0 Retail 23.06 Commercial Vehicles 0 Construction Finance 0 AIB 0 Gold 25.94
Location Wise Break-Up	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0
Borrowings Break-Up	Borrowings Break-Up Other Institutions and Agencies 89.68 Subordinated Debt 7.28 Reserve Bank of India 2.43 Other banks - India 0.61 Perpetual Deb 0 Subordinated Debt 0 Other institutions & agencies 0 Other bank 0 RBI 0 Lower Tier II bonds 0 Upper Tier II bonds 0	Borrowings Break-Up Other Institutions and Agencies 0 Other bank 0 Other banks - India 0 Subordinated Debt 5.29 Other institutions & agencies 72.77 Lower Tier II bonds 0 Upper Tier II bonds 0 RBI 20.19 Perpetual Deb 1.75 Reserve Bank of India 0	Borrowings Break-Up Other Institutions and Agencies 0 Other bank 0 Other banks - India 0 Subordinated Debt 0 Other institutions & agencies 0 Lower Tier II bonds 30.46 Upper Tier II bonds 0 RBI 0 Perpetual Deb 0 Reserve Bank of India 0 Others 69.54
Profit Before Tax	Profit Before Tax Consumer Finance 55.02 Treasury Operations 20.05 Corporate Banking 12.37 Others 12.56	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Consumer Finance 59.67 Treasury Operations 31.84 Corporate Banking 7.65 Others 0.84	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 53.13 Non Priority Sector 46.87 Non-Priority 0 Priority 0	-	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 0 Priority Sector 50.26 Non Priority Sector 49.74
NPA Break-Up	NPA Break-Up Mortage 30.7 AIB 23.68 Corporate 16.67 Small & Medium Enterprises (SME) loans 12.06 CV/STVL 11.48 Gold Loan 3.07 Personal 0 Education 0 Consumer durables 0 Poultry 0 Other agricultural loan 0 Fisheries 0 Crop loans 0 Animal husbandry 0 Agri-farm Mechanization 0 Agriculture-land Development 0 Trade 0 Services 0 Micro manufacturin 0 Housing 0 Personal loans (Other than above) 0 Industry 0 0 Agriculture and allied activities 0 Others 2.34	NPA Break-Up Crop loans 0.01 Industry 0 Services 11.33 Poultry 2.48 Mortage 0 Consumer durables 0.48 Trade 15.44 Housing 0.31 Animal husbandry 26.52 Agriculture and allied activities 0 Corporate 0 Agri-farm Mechanization 0.3 Personal 6.25 Other agricultural loan 22.8 Agriculture-land Development 0.15 AIB 0 Micro manufacturin 9.28 Fisheries 2.43 CV/STVL 0 Gold Loan 0 Education 0.6 Small & Medium Enterprises (SME) loans 0 0 Personal loans (Other than above) 0 Others 1.62	NPA Break-Up Crop loans 0 Industrial & Commercial 5.9 Services 68.87 Poultry 0 Mortage 0 Consumer durables 0 Trade 0 Housing 0 Animal husbandry 0 Agricultural 4.75 Corporate 0 Agri-farm Mechanization 0 Personal 0 Other agricultural loan 0 Agriculture-land Development 0 AIB 0 Micro manufacturin 0 Fisheries 0 CV/STVL 0 Gold Loan 0 Education 0 Small & Medium Enterprises (SME) loans 0 Priority Sector 7.02 Personal Loan 13.47

DCB Bank Ltd.

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