Equitas Small Finance Bank Ltd.

Financial

	Equitas Small Fin.	Tamilnad Mercantile	Indusind Bank
Operational Metrics
Banking Sector
Cost To Income Ratio	62.83 %	49.85 %	47.4 %
Gross NPA	2.52 %	1.44 %	1.92 %
CASA Ratio	32.0 %	30.0 %	38.0 %
CASA vs Liabilities	25.52 %	24.13 %	28.67 %
Credit Deposit Ratio	85.7 %	80.25 %	88.68 %
Fresh Slippages - Quarterly	317.48 Crs	502.77 Crs	1765.0 Crs
Net NPA	1.12 %	0.85 %	0.57 %
Capital to Risks Assets Ratio (CRAR)	21.7 %	29.37 %	17.86 %
Net Interest Margin	8.17 %	4.11 %	4.29 %
NBFC
Cost of Borrowing	7.44 %	5.75 %	5.46 %
AUM - NBFC	34337.0 Crs	n/a	n/a
Unclassified
Tier I Capital	20.71 %	27.97 %	16.47 %
Yield On Advances	17.01 %	10.3 %	12.45 %
Tier 2 Capital	0.99 %	1.4 %	1.39 %
Financials
5 yr Average ROE	10.46 %	13.11 %	12.16 %
5yr average Equity Multiplier	6.86	10.12	8.86
5yr Average Asset Turnover Ratio	0.15	0.09	0.1
5yr Avg Net Profit Margin	9.46 %	14.21 %	12.37 %
5yr Avg Net Profit Margin	9.46 %	14.21 %	12.37 %
5yr CAGR Net Profit	22.19 %	31.82 %	17.66 %
5yr CAGR Sales	15.07 %	5.3 %	9.8 %
5 yr CAGR PPOP	22.51 %	12.21 %	12.26 %
Price to Book	2.08	0.99	1.96
P/E	14.6	7.29	13.23
Shareholdings
Promoter Holding	0.0	0.0	16.4 %
Share Pledged by Promoters	0.0	0.0	45.48 %
Change in Promoter Holding (3 Yrs)	-81.98 %	0.0	-0.15 %
Change in Mutual Fund Holding (3 Yrs)	32.29 %	0.15 %	7.42 %

Business

	Equitas Small Fin.	Tamilnad Mercantile	Indusind Bank
Loan Break-Up	Loan Break-Up Small & Medium Enterprises (SME) loans 37.48 Auto Loans 24.69 Small & Medium Enterprises (SME) loans 18.48 Housing Finance 11.85 Small & Medium Enterprises (SME) loans 3.56 NBFC Finance 2.71 Corporate Loans 0 Personal loans 0 Services 0 Basic Metal and Metal Products 0 Infrastructure 0 0 Gems and Jewellery 0 0 Agriculture and allied activities 0 Others 1.23	Loan Break-Up Agriculture and allied activities 0 Auto Loans 0 Corporate Loans 0 Gems and Jewellery 0 Basic Metal and Metal Products 0 0 Housing Finance 0 Infrastructure 0 0 Personal loans 0 Services 0 Small & Medium Enterprises (SME) loans 0 NBFC Finance 0 Others 100	Loan Break-Up Agricultural 14.79 Auto Loans 0 Corporate Loans 0 Gems & Jewelry 14.55 Metals 2.77 0 Housing Finance 0 Infrastructure 3.21 0 Personal Loan 9.58 Services 54.63 Small & Medium Enterprises (SME) loans 0 NBFC Finance 0 Others 0.47
Segment Break-Up	Segment Break-Up Consumer Finance 85.57 Treasury Operations 11.3 Banking 1.67 Corporate Banking 1.46	-	Segment Break-Up Corporate Banking 0 Banking 0 Consumer Finance 0 Treasury Operations 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 India 100.0 Rest of the World 0 Domestic 0 International 0	Location Wise Break-Up India 100.0 Rest of the World 0 Domestic 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 Retail Banking 71.83 Treasury 18.69 Other Banking Business 8.08 Corporate/Wholesale Banking 1.4	Operating Profit Break-Up Corporate/Wholesale Banking 0 Retail Banking 79.58 Treasury 11.69 Other Banking Business 0 Others 8.73	Operating Profit Break-Up Corporate/Wholesale Banking 22.18 Retail Banking 77.62 Treasury 0.1 Other Banking Business 0 Others 0.1
Borrowings Break-Up	Borrowings Break-Up Other Institutions & Agencies 100.0 0 0 Other banks 0 Reserve Bank of India 0 Borrowings outside India 0 0 Long Term Infrastructure Bonds 0	-	Borrowings Break-Up 0 Other Institutions & Agencies 0 Other banks 0 0 Long Term Infrastructure Bonds 3.06 Reserve Bank of India 0 Unsecured Non-Convertible Perpetual Non-Cumulative Bonds 3.04 Borrowings outside India 31.15 Others 62.75
NPA Break-Up	NPA Break-Up Housing 41.01 Agricultural 16.72 Micro, Small and Medium Enterprises 0 Industries - Other 0 Personal loans 0 Services 0 Basic Metal and Metal Products 0 Infrastructure 0 0 Gems and Jewellery 0 0 Agriculture and allied activities 0 Others 42.27	NPA Break-Up Industries - Other 0 Agriculture and allied activities 0 Housing 0 Micro, Small and Medium Enterprises 0 Gems and Jewellery 0 Basic Metal and Metal Products 0 0 Infrastructure 0 0 Agricultural 0 Personal loans 0 Services 0 Others 100	NPA Break-Up Industrial & Commercial 0.03 Agricultural 28.33 Housing 0 Micro, Small and Medium Enterprises 0 Gems & Jewelry 0.14 Metals 0.2 Priority Sector 3.66 Infrastructure 2.66 0 Agricultural 0 Personal Loan 14.17 Services 40.86 Others 9.95
Asset Break-Up	Asset Break-Up Retail Banking 71.53 Treasury 25.52 Corporate/Wholesale Banking 2.43 Other Banking Business 0 India 0 Others 0.52	Asset Break-Up Retail Banking 0 India 100.0 Corporate/Wholesale Banking 0 Treasury 0 Other Banking Business 0	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 66.78 Non Priority Sector 33.22 Non Priority Sector 0 Priority Sector 0	-	Priority vs Non-Priority Sector Non Priority Sector 67.31 Priority Sector 32.69

Equitas Small Finance Bank Ltd.

Equitas Small Finance Bank Ltd.

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