Fino Payments Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	Fino Payments Bank	Suryoday Small Finan	Dhanlaxmi Bank
Operational Metrics
Banks
Net Interest Margin	3.77 %	7.3 %	3.43 %
CASA Ratio	100.0 %	21.2 %	28.13 %
CASA vs Liabilities	41.31 %	16.01 %	24.85 %
Net NPA	n/a	4.3 %	1.11 %
Credit Deposit Ratio	0.01 %	89.55 %	78.98 %
NBFC
No Of Accounts Opened - Quarterly	851310.0 .	n/a	n/a
Tier I Capital	70.05 %	21.0 %	14.47 %
Cost To Income Ratio	33.1 %	75.1 %	79.78 %
Gross NPA	n/a	6.6 %	n/a
Take Rate - Financial Services	0.56 %	n/a	n/a
Throughput - Quarterly	118133.0 Crs	n/a	n/a
No Of Registered Merchants	2056000.0 .	n/a	n/a
Unclassified
Tier 2 Capital	4.45 %	1.0 %	2.72 %
Yield On Advances	n/a	16.8 %	9.76 %
Capital to Risks Assets Ratio (CRAR)	77.2 %	21.9 %	17.19 %
Financials
5 yr Average ROE	13.9 %	3.79 %	5.93 %
5yr average Equity Multiplier	5.12	6.16	14.92
5yr Average Asset Turnover Ratio	0.55	0.14	0.08
5yr Avg Net Profit Margin	4.59 %	3.14 %	3.98 %
5yr Avg Net Profit Margin	4.59 %	3.14 %	3.98 %
5yr CAGR Net Profit	35.22 %	57.5 %	12.37 %
5yr CAGR Sales	18.48 %	20.56 %	7.18 %
5 yr CAGR PPOP	34.63 %	19.72 %	2.07 %
Price to Book	2.03	0.65	0.65
P/E	23.05	19.4	10.55
Shareholdings
Promoter Holding	75.0 %	22.44 %	0.0
Share Pledged by Promoters	0.0	13.17 %	0.0
Change in Promoter Holding (3 Yrs)	0.0	-0.86 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-3.5 %	-3.36 %	0.0

Business

	Fino Payments Bank	Suryoday Small Finan	Dhanlaxmi Bank
Segment Break-Up	Segment Break-Up Retail Banks 31.54 Treasury 15.07 Corporate & Wholesale Banking 0 Corporate/ Wholesale Banking 0 Retail Banking 0 Others 53.39	Segment Break-Up Corporate/ Wholesale Banking 0 Treasury 10.24 Corporate & Wholesale Banking 0 Retail Banking 0 Retail Banks 0 Others 89.76	Segment Break-Up Corporate Banking 21.2 Treasury Operations 16.24 Corporate & Wholesale Banking 0 Consumer Finance 61.32 Retail Banks 0 Others 1.24
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 CMS 0 Remittance 0 FIG 11.0 BC Banking 0 SBL 0 JLG & VL 45.0 CV 14.0 AEPS 0 CASA 0 MATM 0 HL 7.0 Others 23.0	-
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 South India 0 India 0 East India 0 West India 0 North India 0 Others 100	Location Wise Break-Up South India 0 India 100.0 East India 0 West India 0 North India 0
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 Corporate/Wholesale Banking 0 Retail Banking 0 Others 62.4	Operating Profit Break-Up Corporate/Wholesale Banking 0 Treasury 20.51 Retail Banking 0 Others 79.49	Operating Profit Break-Up Corporate/Wholesale Banking 0 Treasury 29.35 Retail Banking 55.32 Others 15.33
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 Others 100	Asset Break-Up Others 100	Asset Break-Up Others 100

Fino Payments Bank Ltd.

Fino Payments Bank Ltd.

Financial

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