Jana Small Finance Bank Ltd.

Financial

	Jana Small Fin. Bank	Ujjivan Small Fin	Suryoday Small Finan
Operational Metrics
Banking Sector
Gross NPA	2.86 %	2.2 %	n/a
Net Interest Margin	7.4 %	8.3 %	7.8 %
Net NPA	0.95 %	0.5 %	4.6 %
CASA Ratio	18.0 %	25.54 %	20.9 %
CASA vs Liabilities	13.8 %	20.15 %	14.16 %
Tier 2 Capital	1.0 %	1.72 %	1.4 %
Capital to Risks Assets Ratio (CRAR)	20.7 %	23.1 %	25.8 %
Yield On Advances	16.6 %	17.9 %	17.4 %
NBFC
Cost To Income Ratio	64.7 %	68.0 %	84.7 %
Tier I Capital	17.8 %	21.38 %	24.5 %
Cost of Borrowing	8.0 %	7.6 %	8.1 %
AUM - NBFC	20633.0 Crs	n/a	n/a
Financials
5 yr Average ROE	12.11 %	13.2 %	4.84 %
5yr average Equity Multiplier	14.18	7.13	5.55
5yr Average Asset Turnover Ratio	0.15	0.15	0.14
5yr Avg Net Profit Margin	5.14 %	8.35 %	4.68 %
5yr Avg Net Profit Margin	5.14 %	8.35 %	4.68 %
5yr CAGR Net Profit	85.93 %	29.64 %	14.25 %
5yr CAGR Sales	14.07 %	16.39 %	16.18 %
5 yr CAGR PPOP	33.58 %	24.64 %	8.22 %
Price to Book	1.29	1.44	0.7
P/E	10.57	12.08	11.81
Shareholdings
Promoter Holding	22.28 %	0.0	22.44 %
Share Pledged by Promoters	0.0	0.0	22.39 %
Change in Promoter Holding (3 Yrs)	-0.26 %	-83.32 %	-5.57 %
Change in Mutual Fund Holding (3 Yrs)	2.86 %	4.73 %	-5.45 %

Business

	Jana Small Fin. Bank	Ujjivan Small Fin	Suryoday Small Finan
Segment Break-Up	Segment Break-Up Retail Banking 80.37 Treasury 14.4 Corporate Banking 3.86 Wholesale Banking 0 Others 1.37	Segment Break-Up Corporate Banking 0 Treasury Operations 12.87 Consumer Finance 84.14 Corporate Banking 2.99	Segment Break-Up Corporate Banking 0 Treasury 10.88 Retail Banking 0 Wholesale Banking 0 Others 89.12
Loan Break-Up	Loan Break-Up Unsecured working capital 30.16 Affordable 20.77 Micro LAP 3 19.51 MSME loans 14.5 Term loans 5.51 Two-wheeler 3.39 Gold loans 3.32 Loans against fixed deposits 2.84 Group loans 0 Agricultural and allied loans 0 Individual and micro business loans 0 Individual 0 Group Loans 0 FIG 0 Two Wheeler Loans 0 Staff Loans 0 Personal Loans 0 Advances against deposits 0 Agriculture Loans 0 Institutional Lending 0 MSE 0 Secured Housing 0 Micro Banking 0 Financial Intermediary Group 0 Retail Assets 0 Microfinance 0	Loan Break-Up Financial Intermediary Group 0 Microfinance 0 Two-wheeler 0 Micro Banking 0 Agricultural and allied loans 0 Agricultural Loan 1.0 Unsecured working capital 0 Gold loans 0 Group Loans 41.0 Secured Housing 23.0 Advances against deposits 0 Staff Loans 0 Two Wheeler Loans 0 Loans against fixed deposits 0 Institutional Lending 0 MSE 6.0 Individual and micro business loans 0 Term loans 0 MSME loans 0 Personal Loans 0 FIG 9.0 Individual 16.0 Affordable 0 Group loans 0 Retail Assets 0 Micro LAP 3 0 Others 4.0	Loan Break-Up Financial Intermediary Group 11.3 Microfinance 61.2 Two-wheeler 0 Micro Banking 0 Agricultural and allied loans 0 Agriculture Loans 0 Unsecured working capital 0 Gold loans 0 Group Loans 0 Secured Housing 0 Advances against deposits 0 Staff Loans 0 Two Wheeler Loans 0 Loans against fixed deposits 0 Institutional Lending 0 MSE 0 Individual and micro business loans 0 Term loans 0 MSME loans 0 Personal Loans 0 FIG 0 Individual 0 Affordable 0 Group loans 0 Retail Assets 27.5 Micro LAP 3 0
Location Wise Break-Up	Location Wise Break-Up India 100.0 West India 0 East India 0 South India 0 North India 0	Location Wise Break-Up North India 28.0 East India 24.0 West India 18.0 South India 29.0 India 0 Others 1.0	Location Wise Break-Up North India 0 East India 0 West India 0 South India 0 India 0 Others 100
Interest Earned	Interest Earned Micro Housing 13.4 Term loans to NBFC 4.36 2 wheeler loans 1.66 Others 80.58	-	-
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 50.8 Treasury 21.11 Corporate/Wholesale Banking 1.71 Wholesale Banking 0 Others 26.38	Operating Profit Break-Up Corporate/Wholesale Banking 0 Treasury 29.86 Retail Banking 41.0 Wholesale Banking 29.14	Operating Profit Break-Up Corporate/Wholesale Banking 0 Treasury 100.0 Retail Banking 0 Wholesale Banking 0
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 61.67 Treasury 27.14 Corporate/Wholesale Banking 10.16 Others 1.03	-	-
NPA Break-Up	NPA Break-Up Individual and micro business loans 22.48 Micro LAP 18.13 Agricultural and allied loans 16.93 MSME loans 14.63 Affordable housing loans 13.86 Term loans to NBFCs 6.51 Group loans 3.17 Two-wheeler loans 1.56 Loans against fixed deposits 1.45 Gold loans 1.27 Personal loans 0 Services 0 0 Agriculture and Allied activities 0 0 Agriculture and allied activities 0 Others 0.01	NPA Break-Up Two-wheeler loans 0 Affordable housing loans 0 Term loans to NBFCs 0 Individual and micro business loans 0 Agricultural and allied loans 0 Advances to industries 41.96 Agricultural 22.28 MSME loans 0 0 Personal Loan 28.08 Micro LAP 0 Group loans 0 Gold loans 0 Services 7.68 Loans against fixed deposits 0 Agriculture and allied activities 0	NPA Break-Up Two-wheeler loans 0 Affordable housing loans 0 Term loans to NBFCs 0 Individual and micro business loans 0 Agricultural and allied loans 0 0 Agriculture and Allied activities 0 MSME loans 0 Advances to industries sector eligible as priority sector lending 1.21 Personal loans 48.04 Micro LAP 0 Group loans 0 Gold loans 0 Services 5.29 Loans against fixed deposits 0 Agriculture and allied activities 45.46
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Personal loan & Housing loans 51.74 Agricultural and Allied Activities 23.35 Services 16.92 Industry Sector 8.0 Non-Priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Non Priority Sector 22.14 Personal loan & Housing loans 0 Industry Sector 0 Priority Sector 77.86 Services 0 Agricultural and Allied Activities 0	-

Jana Small Finance Bank Ltd.

Jana Small Finance Bank Ltd.

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