Dhanlaxmi Bank Ltd.

Financial

	Dhanlaxmi Bank	Ujjivan Small Fin	IDFC First Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.34 %	8.8 %	6.36 %
Yield On Advances	9.57 %	19.3 %	n/a
Gross NPA	4.81 %	2.1 %	2.04 %
Net NPA	1.27 %	0.16 %	0.68 %
CASA Ratio	31.1 %	25.47 %	46.8 %
CASA vs Liabilities	28.15 %	19.12 %	31.56 %
Credit Deposit Ratio	69.35 %	86.35 %	101.62 %
Cost To Income Ratio	77.67 %	56.0 %	72.8 %
Fresh Slippages - Quarterly	28.41 Crs	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	12.37 %	24.37 %	16.73 %
Tier 2 Capital	1.61 %	2.4 %	2.78 %
Tier I Capital	10.75 %	21.97 %	13.95 %
NBFC
Cost of Borrowing	5.29 %	7.5 %	5.6 %
Financials
5 yr Average ROE	5.67 %	9.46 %	-2.79 %
5yr average Equity Multiplier	15.31	7.2	9.25
5yr Average Asset Turnover Ratio	0.08	0.15	0.11
5yr Avg Net Profit Margin	3.65 %	6.34 %	-3.6 %
5yr Avg Net Profit Margin	3.65 %	6.34 %	-3.6 %
5yr CAGR Net Profit	33.43 %	40.74 %	n/a
5yr CAGR Sales	2.27 %	18.47 %	15.81 %
5 yr CAGR PPOP	5.35 %	36.88 %	n/a
Price to Book	1.1	2.18	1.86
P/E	12.12	8.26	19.82
Shareholdings
Promoter Holding	0.0	73.52 %	37.43 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-9.8 %	-2.55 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.54 %	-0.19 %

Business

	Dhanlaxmi Bank	Ujjivan Small Fin	IDFC First Bank
Loan Break-Up	Loan Break-Up Corporate 26.57 Gold 25.94 Retail 23.06 SME 16.19 Agricultural 8.25 Individual 0 Group Loans 0 FIG 0 Two Wheeler Loans 0 Staff Loans 0 Personal Loans 0 Advances against deposits 0 Agriculture Loans 0 Institutional Lending 0 MSE 0 Secured Housing 0 Micro Banking 0 Commercial Finance 0 Wheels 0 Digital, Gold Loan and Others 0 Rural Micro Finance 0 MSME Loans 0 Consumer Loans 0 Mortgage Loans 0 Infrastructure 0 Financial Institutional Group 0 Large Corporates 0 Emerging Large Corporates 0 Credit Cards 0	Loan Break-Up Financial Institutional Group 0 Digital, Gold Loan and Others 0 Individual 16.0 Retail 0 Rural Micro Finance 0 Institutional Lending 0 FIG 5.0 Corporate 0 Agricultural 0 Mortgage Loans 0 Wheels 0 Staff Loans 0 Microfinance 56.0 Infrastructure 0 MSE 5.0 MSME Loans 0 Consumer Loans 0 Group Loans 0 Advances against deposits 0 Large Corporates 0 Two Wheeler Loans 0 Emerging Large Corporates 0 Secured Housing 16.0 Personal Loans 0 Commercial Finance 0 Gold 0 Agriculture Loans 0 SME 0 Credit Cards 0 Others 2.0	Loan Break-Up Financial Services 8.0 Digital, Gold Loan and Others 0.41 Individual 0 Retail 0 Rural Finance 11.0 Institutional Lending 0 FIG 0 Corporate 0 Agricultural 0 Loan Against Property 28.0 Wheels 10.0 Staff Loans 0 Micro Banking 0 Infrastructure 1.58 MSE 0 Small & Medium Enterprises (SME) loans 5.0 Consumer Finance 14.0 Group Loans 0 Advances against deposits 0 Large Industries 1.0 Two Wheeler Loans 0 Emerging Large Corporates 5.0 Secured Housing 0 Personal Loans 0 Commercial Finance 3.0 Gold 0 Agriculture Loans 0 SME 0 Credit Cards 3.0 Others 10.01
Segment Break-Up	Segment Break-Up Consumer Finance 54.02 Corporate Banking 27.45 Treasury Operations 18.53 Wholesale Banking 0 Corporate/Wholesale Banking 0	Segment Break-Up Corporate/Wholesale Banking 0 Consumer Finance 0 Corporate Banking 2.03 Corporate Banking 0 Treasury Operations 0 Others 97.97	Segment Break-Up Corporate Banking 12.19 Consumer Finance 0 Wholesale Banking 0 Corporate Banking 0 Treasury Operations 0 Others 87.81
Location Wise Break-Up	Location Wise Break-Up India 100.0 West India 0 East India 0 South India 0 North India 0 Rest of the World 0	Location Wise Break-Up East India 26.0 Rest of the World 0 West India 17.0 South India 30.0 India 0 North India 27.0	Location Wise Break-Up East India 0 Rest of the World 0 West India 0 South India 0 India 100.0 North India 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 71.58 Treasury 28.42 Corporate/Wholesale Banking 0 Wholesale Banking 0	Operating Profit Break-Up Retail Banking 89.92 Wholesale Banking 3.82 Corporate/Wholesale Banking 0 Treasury 6.26	-
Borrowings Break-Up	Borrowings Break-Up Lower Tier II bonds 30.46 Upper Tier II bonds 0 Reserve Bank of India 0 RBI 0 Non-Convertible Redeemable Debenture 0 Other Banks 0 Borrowings outside India 0 Others 69.54	Borrowings Break-Up Non-Convertible Redeemable Debenture 0 Other banks - India 5.68 RBI 9.46 Reserve Bank of India 0 Upper Tier II bonds 0 Lower Tier II bonds 0 Borrowings outside India 0 Others 84.86	Borrowings Break-Up Non-Convertible Redeemable Debenture 0 Other Banks 0 RBI 0 Reserve Bank of India 0 Upper Tier II bonds 0 Lower Tier II bonds 0 Borrowings outside India 0.73 Others 99.27
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 50.26 Non Priority Sector 49.74 Non-Priority sector 0 Priority sector 0 Non Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 73.85 Priority Sector 0 Non Priority Sector 26.15 Non Priority Sector 0	Priority vs Non-Priority Sector Priority sector 0 Priority Sector 31.17 Non-Priority sector 0 Non Priority Sector 68.83
Asset Break-Up	Asset Break-Up Treasury 0 Retail Banking 0 Wholesale Banking 0 Others 100	Asset Break-Up Consumer Finance 63.86 Corporate Banking 3.59 Treasury Operations 31.84 Others 0.71	-
NPA Break-Up	NPA Break-Up Services 68.87 Personal Loan 13.47 Priority Sector 7.02 Industrial & Commercial 5.9 Agricultural 4.75 Personal loans 0 0 Agriculture and Allied activities 0 Personal Loans - Others 0 Vehicle Loans 0 Housing 0 Infrastructure- Transport 0 Infrastructure- Energy 0	NPA Break-Up Agricultural 0 Infrastructure- Energy 0 Personal Loan 68.48 Advances to industries 5.4 Vehicle Loans 0 Infrastructure- Transport 0 Housing 0 Services 6.77 Agricultural 19.35 Personal Loan 0 Priority Sector 0 Industrial & Commercial 0 Personal Loans - Others 0	NPA Break-Up Agricultural 0 Infrastructure- Energy 0 Personal loans 0 0 Auto loans 6.99 Infrastructure 24.99 Housing 5.92 Services 20.98 Agriculture and Allied activities 0 Personal Loan 0 Priority Sector 0 Industrial & Commercial 0 Personal Loan 24.16 Others 16.96

Dhanlaxmi Bank Ltd.

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