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

Financial

	Jana Small Fin. Bank	Ujjivan Small Fin	Suryoday Small Finan
Operational Metrics
Banks
Gross NPA	2.75 %	2.5 %	n/a
Net Interest Margin	6.6 %	7.9 %	6.9 %
Net NPA	0.9 %	0.7 %	3.8 %
CASA Ratio	18.3 %	27.5 %	20.7 %
CASA vs Liabilities	13.8 %	21.73 %	14.95 %
Tier 2 Capital	1.0 %	1.47 %	1.0 %
Capital to Risks Assets Ratio (CRAR)	20.7 %	21.36 %	23.4 %
Yield On Advances	16.2 %	17.5 %	16.4 %
NBFC
Cost To Income Ratio	67.8 %	66.0 %	76.6 %
Tier I Capital	17.8 %	19.89 %	22.4 %
Cost of Borrowing	7.9 %	7.3 %	7.7 %
AUM - NBFC	31655.0 Crs	n/a	n/a
Financials
5 yr Average ROE	13.86 %	13.02 %	3.79 %
5yr average Equity Multiplier	13.33	7.54	6.16
5yr Average Asset Turnover Ratio	0.14	0.15	0.14
5yr Avg Net Profit Margin	6.72 %	8.05 %	3.14 %
5yr Avg Net Profit Margin	6.72 %	8.05 %	3.14 %
5yr CAGR Net Profit	47.32 %	144.56 %	57.5 %
5yr CAGR Sales	15.06 %	18.3 %	20.56 %
5 yr CAGR PPOP	22.82 %	16.1 %	19.72 %
Price to Book	1.11	1.66	0.73
P/E	11.65	25.12	22.22
Shareholdings
Promoter Holding	21.87 %	0.0	22.44 %
Share Pledged by Promoters	0.0	0.0	22.39 %
Change in Promoter Holding (3 Yrs)	-0.67 %	-73.68 %	-5.57 %
Change in Mutual Fund Holding (3 Yrs)	1.0 %	13.25 %	-3.84 %

Business

	Jana Small Fin. Bank	Ujjivan Small Fin	Suryoday Small Finan
Segment Break-Up	Segment Break-Up Retail Banking 81.4 Treasury 13.81 Corporate Banking 3.83 Wholesale Banking 0 Others 0.96	Segment Break-Up Corporate Banking 0 Consumer Finance 85.21 Corporate Banking 2.8 Treasury Operations 11.99	Segment Break-Up Corporate Banking 0 Retail Banking 0 Wholesale Banking 0 Treasury 11.83 Others 88.17
Loan Break-Up	Loan Break-Up Unsecured working capital 27.53 Affordable 22.11 Micro LAP 3 19.04 MSME loans 15.06 Term loans 6.42 Gold loans 4.68 Two-wheeler 4.06 Loans against fixed deposits 1.11 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 Advances against deposits 0 MSME loans 0 FIG 7.0 Individual and micro business loans 0 Two Wheeler Loans 0 Unsecured working capital 0 Microfinance 0 Personal Loans 0 Group loans 0 Group Loans 38.0 Affordable 0 Staff Loans 0 Term loans 0 Micro LAP 3 0 MSE 7.0 Micro Banking 0 Gold loans 0 Retail Assets 0 Institutional Lending 0 Two-wheeler 0 Financial Intermediary Group 0 Agricultural and allied loans 0 Individual 16.0 Agricultural Loan 1.0 Secured Housing 22.0 Loans against fixed deposits 0 Others 9.0	Loan Break-Up Advances against deposits 0 MSME loans 0 FIG 0 Individual and micro business loans 0 Two Wheeler Loans 0 Unsecured working capital 0 Microfinance 61.2 Personal Loans 0 Group loans 0 Group Loans 0 Affordable 0 Staff Loans 0 Term loans 0 Micro LAP 3 0 MSE 0 Micro Banking 0 Gold loans 0 Retail Assets 27.5 Institutional Lending 0 Two-wheeler 0 Financial Intermediary Group 11.3 Agricultural and allied loans 0 Individual 0 Agriculture Loans 0 Secured Housing 0 Loans against fixed deposits 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 South India 28.71 East India 24.75 West India 18.81 North India 27.72 India 0 Others 0.01	Location Wise Break-Up South India 0 East India 0 West India 0 North 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 45.88 Treasury 20.45 Corporate/Wholesale Banking 1.06 Wholesale Banking 0 Others 32.61	Operating Profit Break-Up Wholesale Banking 28.73 Retail Banking 52.65 Corporate/Wholesale Banking 0 Treasury 18.62	Operating Profit Break-Up Wholesale Banking 0 Retail Banking 0 Corporate/Wholesale Banking 0 Treasury 38.2 Others 61.8
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 61.71 Treasury 27.06 Corporate/Wholesale Banking 10.19 Others 1.04	-	-
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 Agricultural 25.35 Services 17.75 Agriculture and allied activities 0 MSME loans 0 Personal Loan 49.94 Individual and micro business loans 0 Advances to industries 6.96 Two-wheeler loans 0 Agricultural and allied loans 0 Term loans to NBFCs 0 Affordable housing loans 0 Micro LAP 0 Group loans 0 0 Loans against fixed deposits 0 Gold loans 0	NPA Break-Up Agriculture and Allied activities 0 Services 19.31 Agriculture and allied activities 55.69 MSME loans 0 Personal loans 24.67 Individual and micro business loans 0 0 Two-wheeler loans 0 Agricultural and allied loans 0 Term loans to NBFCs 0 Affordable housing loans 0 Micro LAP 0 Group loans 0 Advances to industries sector eligible as priority sector lending 0.33 Loans against fixed deposits 0 Gold loans 0
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Personal loan & Housing loans 41.85 Services 34.18 Agricultural and Allied Activities 17.38 Industry Sector 6.59 Non-Priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Personal loan & Housing loans 0 Services 0 Priority Sector 68.88 Non Priority Sector 31.12 Agricultural and Allied Activities 0 Industry Sector 0	-

Jana Small Finance Bank Ltd.

Jana Small Finance Bank Ltd.

Financial

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