ESAF Small Finance Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	ESAF Small Finance	Capital Small Fin.	Dhanlaxmi Bank
Operational Metrics
Banks
Net Interest Margin	6.0 %	4.0 %	3.39 %
Gross NPA	7.5 %	2.7 %	3.22 %
CASA Ratio	24.8 %	34.0 %	28.21 %
CASA vs Liabilities	n/a	27.7 %	25.0 %
Credit Deposit Ratio	n/a	81.5 %	75.33 %
Net NPA	3.8 %	1.38 %	1.13 %
Capital to Risks Assets Ratio (CRAR)	22.7 %	24.2 %	18.26 %
Cost To Income Ratio	78.2 %	61.7 %	81.35 %
Tier I Capital	18.4 %	22.8 %	15.47 %
Yield On Advances	16.2 %	11.0 %	9.93 %
Tier 2 Capital	4.3 %	4.59 %	2.79 %
NBFC
Cost of Borrowing	7.3 %	6.0 %	5.72 %
AUM - NBFC	19809.0 Crs	n/a	n/a
Financials
5 yr Average ROE	5.76 %	12.38 %	5.93 %
5yr average Equity Multiplier	11.57	11.28	14.92
5yr Average Asset Turnover Ratio	0.15	0.09	0.08
5yr Avg Net Profit Margin	3.22 %	11.26 %	3.98 %
5yr Avg Net Profit Margin	3.22 %	11.26 %	3.98 %
5yr CAGR Net Profit	n/a	26.41 %	12.37 %
5yr CAGR Sales	19.61 %	12.28 %	7.18 %
5 yr CAGR PPOP	5.97 %	21.0 %	2.07 %
Price to Book	0.74	0.9	0.74
P/E	0.0	9.21	12.43
Shareholdings
Promoter Holding	63.3 %	18.75 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.09 %	-0.1 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.0	-4.65 %	0.0

Business

	ESAF Small Finance	Capital Small Fin.	Dhanlaxmi Bank
Segment Break-Up	Segment Break-Up Consumer Finance 79.77 Treasury Operations 13.44 Corporate Banking 2.95 Other Banking Business 0 Corporate/Wholesale Banking 0 Retail Banking 0 Corporate/ Wholesale Banking 0 Others 3.84	Segment Break-Up Corporate/Wholesale Banking 8.82 Treasury Operations 0 Consumer Finance 0 Corporate Banking 0 Other Banking Business 3.2 Corporate/ Wholesale Banking 0 Retail Banking 71.56 Others 16.42	Segment Break-Up Corporate/Wholesale Banking 0 Treasury Operations 0 Consumer Finance 0 Corporate Banking 0 Other Banking Business 0 Corporate Banking 26.85 Consumer Finance 53.7 Others 19.45
Location Wise Break-Up	Location Wise Break-Up India 100.0	-	Location Wise Break-Up India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Treasury 77.28 Wholesale banking 22.72 Retail banking 0 Other Banking Business 0 Corporate/Wholesale Banking 0 Retail Banking 0	Operating Profit Break-Up Treasury 6.9 Wholesale banking 0 Corporate/Wholesale Banking 0 Other Banking Business 14.71 Retail Banking 78.39 Retail banking 0	Operating Profit Break-Up Treasury 49.03 Wholesale banking 0 Corporate/Wholesale Banking 0 Other Banking Business 0 Retail Banking 42.93 Retail banking 0 Others 8.04
AUM Break-Up	AUM Break-Up Micro loans 45.91 Retail loans 8.07 Agri loans 5.1 Financial instution 4.7 MSME 2.52 Others 33.7	-	-
Borrowings Break-Up	Borrowings Break-Up Other institutions & agencies 72.4 Subordinated Debt 24.19 Perpetual Deb 3.41 Other bank 0 RBI 0 Lower Tier II bonds 0 Upper Tier II bonds 0 Reserve Bank of India 0	-	Borrowings Break-Up Subordinated Debt 0 Lower Tier II bonds 0 Upper Tier II bonds 0 RBI 0 Other institutions & agencies 0 Reserve Bank of India 100.0 Perpetual Deb 0 Other bank 0
NPA Break-Up	NPA Break-Up Animal husbandry 26.52 Other agricultural loan 22.8 Trade 15.44 Services 11.33 Micro manufacturin 9.28 Personal 6.25 Poultry 2.48 Fisheries 2.43 Education 0.6 Consumer durables 0.48 Housing 0.31 Agri-farm Mechanization 0.3 Agriculture-land Development 0.15 Crop loans 0.01 Advances to NBFCs 0 Personal Loan 0 Advances to Traders 0 Iron/Steel and Metal Industry 0 Textile Industry 0 Agriculture 0 Personal loans (Other than above) 0 Industry 0 0 Agriculture and allied activities 0 Others 1.62	NPA Break-Up Industry 0 Education 0 Other agricultural loan 0 Trade 0 Fisheries 0 Poultry 0 Animal husbandry 0 Iron/Steel and Metal Industry 0.04 Advances to Traders 12.21 Micro manufacturin 0 Advances to NBFCs 3.13 Agriculture-land Development 0 Personal Loan 0.7 Agriculture 48.26 Crop loans 0 Services 0 Agriculture and allied activities 0 Consumer durables 0 Housing 0 0 Agri-farm Mechanization 0 Personal loans (Other than above) 0 Personal 0 Textile Industry 3.83 Others 31.83	NPA Break-Up Industrial & Commercial 1.21 Education 0 Other agricultural loan 0 Trade 0 Fisheries 0 Poultry 0 Animal husbandry 0 Iron/Steel and Metal Industry 0 Advances to Traders 0 Micro manufacturin 0 Advances to NBFCs 0 Agriculture-land Development 0 Personal Loan 0 Agriculture 0 Crop loans 0 Services 39.29 Agricultural 3.12 Consumer durables 0 Housing 0 Priority Sector 36.22 Agri-farm Mechanization 0 Personal Loan 20.17 Personal 0 Textile Industry 0
NPA Break-Up	NPA Break-Up Animal husbandry 26.52 Other agricultural loan 22.8 Trade 15.44 Services 11.33 Micro manufacturin 9.28 Personal 6.25 Poultry 2.48 Fisheries 2.43 Education 0.6 Consumer durables 0.48 Housing 0.31 Agri-farm Mechanization 0.3 Agriculture-land Development 0.15 Crop loans 0.01 Advances to NBFCs 0 Personal Loan 0 Advances to Traders 0 Iron/Steel and Metal Industry 0 Textile Industry 0 Agriculture 0 Personal loans (Other than above) 0 Industry 0 0 Agriculture and allied activities 0 Others 1.62	NPA Break-Up Industry 0 Education 0 Other agricultural loan 0 Trade 0 Fisheries 0 Poultry 0 Animal husbandry 0 Iron/Steel and Metal Industry 0.04 Advances to Traders 12.21 Micro manufacturin 0 Advances to NBFCs 3.13 Agriculture-land Development 0 Personal Loan 0.7 Agriculture 48.26 Crop loans 0 Services 0 Agriculture and allied activities 0 Consumer durables 0 Housing 0 0 Agri-farm Mechanization 0 Personal loans (Other than above) 0 Personal 0 Textile Industry 3.83 Others 31.83	NPA Break-Up Industrial & Commercial 1.21 Education 0 Other agricultural loan 0 Trade 0 Fisheries 0 Poultry 0 Animal husbandry 0 Iron/Steel and Metal Industry 0 Advances to Traders 0 Micro manufacturin 0 Advances to NBFCs 0 Agriculture-land Development 0 Personal Loan 0 Agriculture 0 Crop loans 0 Services 39.29 Agricultural 3.12 Consumer durables 0 Housing 0 Priority Sector 36.22 Agri-farm Mechanization 0 Personal Loan 20.17 Personal 0 Textile Industry 0
Asset Break-Up	Asset Break-Up Retail banking 64.59 Treasury 29.2 Wholesale banking 3.8 Others 2.41	-	Asset Break-Up Wholesale banking 0 Treasury 0 Retail banking 0 Others 100

ESAF Small Finance Bank Ltd.

ESAF Small Finance Bank Ltd.

Financial

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