Equitas Small Finance Bank Ltd.

Financial

	Equitas Small Fin.	Tamilnad Mercantile	Karnataka Bank
Operational Metrics
Banking Sector
Fresh Slippages - Quarterly	295.31 Crs	54.45 Crs	292.69 Crs
Cost To Income Ratio	70.28 %	44.6 %	60.09 %
CASA vs Liabilities	23.66 %	21.36 %	25.93 %
Net Interest Margin	7.13 %	3.87 %	3.02 %
Gross NPA	2.89 %	1.25 %	3.11 %
Net NPA	0.98 %	0.36 %	1.39 %
CASA Ratio	29.0 %	26.44 %	30.32 %
Capital to Risks Assets Ratio (CRAR)	20.6 %	32.71 %	17.64 %
Credit Deposit Ratio	84.0 %	82.64 %	77.77 %
NBFC
Cost of Borrowing	7.54 %	5.93 %	5.69 %
AUM - NBFC	37986.0 Crs	n/a	n/a
Unclassified
Yield On Advances	16.3 %	10.22 %	9.37 %
Tier 2 Capital	2.76 %	1.47 %	1.64 %
Tier I Capital	17.84 %	31.24 %	16.0 %
Financials
5 yr Average ROE	11.25 %	14.53 %	11.0 %
5yr average Equity Multiplier	7.01	9.43	12.5
5yr Average Asset Turnover Ratio	0.15	0.09	0.08
5yr Avg Net Profit Margin	10.11 %	16.69 %	9.39 %
5yr Avg Net Profit Margin	10.11 %	16.69 %	9.39 %
5yr CAGR Net Profit	26.81 %	21.33 %	24.79 %
5yr CAGR Sales	16.51 %	6.59 %	4.45 %
5 yr CAGR PPOP	18.18 %	8.29 %	5.48 %
Price to Book	1.2	0.8	0.64
P/E	49.56	6.11	5.69
Shareholdings
Promoter Holding	0.0	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-74.59 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	23.09 %	0.0	8.31 %

Business

	Equitas Small Fin.	Tamilnad Mercantile	Karnataka Bank
Loan Break-Up	Loan Break-Up Small & Medium Enterprises (SME) loans 43.13 Auto Loans 24.89 Housing Finance 12.55 Small & Medium Enterprises (SME) loans 11.92 Small & Medium Enterprises (SME) loans 4.45 NBFC Finance 1.38 Corporate Loans 0 Personal Loans - Others 0 Infrastructure Loan 0 Commercial Real estate 0 Housing Loan 0 0 Trade and Business 0 Professional and self employed 0 Industry Others 0 Iron & Steel 0 Textiles 0 Automobiles 0 Agriculture and allied activities 0 Others 1.68	Loan Break-Up Iron & Steel 0 Corporate Loans 0 Housing Loan 0 Trade and Business 0 Housing Finance 0 Small & Medium Enterprises (SME) loans 0 Textiles 0 Automobiles 0 0 Industry Others 0 Personal Loans - Others 0 Auto Loans 0 Agriculture and allied activities 0 Infrastructure Loan 0 Professional and self employed 0 NBFC Finance 0 Commercial Real estate 0 Others 100	Loan Break-Up Iron & Steel 0 Corporate Loans 0 Housing Loan 0 Trade and Business 0 Housing Finance 0 Small & Medium Enterprises (SME) loans 0 Textiles 0 Automobiles 0 0 Others 10.01 Personal Loan 21.61 Auto Loans 0 Agricultural 13.83 Infrastructure Loan 0 Professional and self employed 0 NBFC Finance 0 Commercial Real estate 0 Others 54.55
Segment Break-Up	Segment Break-Up Consumer Finance 85.19 Treasury Operations 11.99 Corporate Banking 0.85 Other Banking Business 0 Others 1.97	-	Segment Break-Up Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Other Banking Business 0 Others 100
Location Wise Break-Up	Location Wise Break-Up Domestic 100.0 International 0 India 0 Rest of the World 0	Location Wise Break-Up Domestic 0 Rest of the World 0 India 100.0 International 0	Location Wise Break-Up Domestic 0 Rest of the World 0 India 100.0 International 0
Capex	Capex Retail Banking 94.84 Corporate/Wholesale Banking 5.16 Other Banking Business 0 Treasury 0	-	-
Operating Profit Break-Up	Operating Profit Break-Up Treasury 69.0 Retail Banking 20.86 Other Banking Business 0 Corporate/Wholesale Banking 0 Corporate / Wholesale Banking 0 Others 10.14	Operating Profit Break-Up Corporate/Wholesale Banking 0 Corporate / Wholesale Banking 9.95 Retail Banking 82.1 Other Banking Business 0 Treasury 7.95	Operating Profit Break-Up Corporate/Wholesale Banking 0 Corporate / Wholesale Banking 23.58 Retail Banking 34.92 Other Banking Business 0 Treasury 5.38 Others 36.12
Borrowings Break-Up	Borrowings Break-Up Other Institutions & Agencies 100.0 0 0 Other banks 0 Reserve Bank of India 0 Subordinated Debts for Tier II Capital 0	-	Borrowings Break-Up 0 Other Institutions & Agencies 0 0 Subordinated Debt 6.82 Other banks 0 Reserve Bank of India 45.43 Others 47.75
NPA Break-Up	NPA Break-Up Housing 23.59 Agricultural 23.19 Micro, Small and Medium Enterprises 0 Personal and Other Loans 0 Services 0 Industry 0 Agriculture and allied activities 0 Others 53.22	NPA Break-Up Agricultural 0 Micro, Small and Medium Enterprises 0 Services 0 Housing 0 Agriculture and allied activities 0 Industry 0 Personal and Other Loans 0 Others 100	NPA Break-Up Agricultural 0 Micro, Small and Medium Enterprises 0 Services 37.37 Housing 0 Agricultural 24.19 Industrial & Commercial 19.67 Personal Loan 14.84 Others 3.93
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 68.23 Non Priority Sector 31.77 Non Priority Sector 0 Priority Sector 0	-	Priority vs Non-Priority Sector Non Priority Sector 62.13 Priority Sector 37.87
Asset Break-Up	Asset Break-Up Retail Banking 70.63 Treasury 27.25 Corporate/Wholesale Banking 1.47 Other Banking Business 0 India 0 Others 0.65	Asset Break-Up Corporate/Wholesale Banking 0 India 100.0 Retail Banking 0 Other Banking Business 0 Treasury 0	-

Equitas Small Finance Bank Ltd.

Equitas Small Finance Bank Ltd.

SIGN UP FOR FREE