Fino Payments Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	Fino Payments Bank	Utkarsh Small Fin.	Suryoday Small Finan
Operational Metrics
Banks
Net Interest Margin	3.77 %	n/a	6.9 %
CASA Ratio	100.0 %	n/a	20.7 %
CASA vs Liabilities	41.31 %	n/a	14.95 %
Net NPA	n/a	n/a	3.8 %
Credit Deposit Ratio	0.01 %	n/a	90.11 %
NBFC
No Of Accounts Opened - Quarterly	910000.0 .	n/a	n/a
Tier I Capital	70.05 %	n/a	22.4 %
Cost To Income Ratio	31.8 %	n/a	76.6 %
Gross NPA	n/a	n/a	5.9 %
Take Rate - Financial Services	0.56 %	n/a	n/a
Throughput - Quarterly	114600.0 Crs	n/a	n/a
No Of Registered Merchants	2002000.0 .	n/a	n/a
Unclassified
Tier 2 Capital	4.45 %	n/a	1.0 %
Yield On Advances	n/a	n/a	16.4 %
Capital to Risks Assets Ratio (CRAR)	77.2 %	n/a	23.4 %
Financials
5 yr Average ROE	13.9 %	11.47 %	3.79 %
5yr average Equity Multiplier	5.12	9.1	6.16
5yr Average Asset Turnover Ratio	0.55	0.15	0.14
5yr Avg Net Profit Margin	4.59 %	7.67 %	3.14 %
5yr Avg Net Profit Margin	4.59 %	7.67 %	3.14 %
5yr CAGR Net Profit	35.22 %	-26.68 %	57.5 %
5yr CAGR Sales	18.48 %	20.4 %	20.56 %
5 yr CAGR PPOP	34.63 %	18.1 %	19.72 %
Price to Book	3.23	1.2	0.75
P/E	31.62	0.0	23.01
Shareholdings
Promoter Holding	75.0 %	68.92 %	22.44 %
Share Pledged by Promoters	0.0	0.0	22.39 %
Change in Promoter Holding (3 Yrs)	0.0	-0.36 %	-5.57 %
Change in Mutual Fund Holding (3 Yrs)	-3.71 %	-7.05 %	-3.84 %

Business

	Fino Payments Bank	Utkarsh Small Fin.	Suryoday Small Finan
Segment Break-Up	Segment Break-Up Retail Banks 31.54 Treasury 15.07 Corporate & Wholesale Banking 0 Retail Banking 0 Corporate/ Wholesale Banking 0 Others 53.39	Segment Break-Up Treasury 13.45 Retail Banking 78.39 Retail Banks 0 Corporate/ Wholesale Banking 8.16 Corporate & Wholesale Banking 0	Segment Break-Up Treasury 10.22 Retail Banking 0 Retail Banks 0 Corporate/ Wholesale Banking 0 Corporate & Wholesale Banking 0 Others 89.78
Product Wise Break-Up	Product Wise Break-Up CASA 40.0 BC Banking 9.0 CMS 8.0 Remittance 0 AEPS 0 MATM 0 JLG & VL 0 CV 0 HL 0 SBL 0 FIG 0 Others 43.0	-	Product Wise Break-Up HL 7.0 JLG & VL 45.0 MATM 0 AEPS 0 Remittance 0 BC Banking 0 SBL 0 FIG 12.0 CV 14.0 CASA 0 CMS 0 Others 22.0
Location Wise Break-Up	Location Wise Break-Up India 100.0 East India 0 West India 0 North India 0 South India 0	-	Location Wise Break-Up India 0 East India 0 North India 0 West India 0 South India 0 Others 100
Interest Earned	Interest Earned Interest on Investments 72.88 Interest on Balances with RBI 27.12 Interest / Discount on Advances 0	-	-
Operating Profit Break-Up	Operating Profit Break-Up Treasury 37.6 Retail Banking 0 Corporate/ Wholesale Banking 0 Others 62.4	Operating Profit Break-Up Corporate/ Wholesale Banking 100.0 Retail Banking 0 Treasury 0	Operating Profit Break-Up Corporate/ Wholesale Banking 0 Retail Banking 0 Treasury 17.11 Others 82.89
Distribution Channel	Distribution Channel Own Banking Channel 69.0 Open Banking Channel 31.0	-	-
Product vs Subscription	Product vs Subscription Transaction Income 64.0 Subscription 36.0	-	-
Asset Break-Up	Asset Break-Up Treasury 78.45 Retail Banking 0 Corporate/ Wholesale Banking 0 Others 21.55	Asset Break-Up Corporate/ Wholesale Banking 5.36 Retail Banking 53.91 Treasury 33.84 Others 6.89	Asset Break-Up Corporate/ Wholesale Banking 0 Retail Banking 0 Treasury 29.79 Others 70.21

Fino Payments Bank Ltd.

Fino Payments Bank Ltd.

Financial

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