RBL Bank Ltd.

Financial

	RBL Bank	City Union Bank	J&K Bank
Operational Metrics
Banking Sector
Net Interest Margin	4.89 %	3.59 %	4.04 %
Yield On Advances	13.0 %	8.01 %	9.75 %
Gross NPA	2.6 %	3.36 %	4.08 %
Net NPA	0.29 %	1.42 %	0.94 %
CASA Ratio	34.1 %	30.63 %	48.17 %
CASA vs Liabilities	25.77 %	26.58 %	41.97 %
Credit Deposit Ratio	83.49 %	87.0 %	68.1 %
Cost To Income Ratio	66.4 %	48.64 %	57.28 %
Fresh Slippages - Quarterly	1058.0 Crs	555.4 Crs	321.52 Crs
Capital to Risks Assets Ratio (CRAR)	15.54 %	22.26 %	15.09 %
Tier 2 Capital	1.48 %	0.97 %	2.38 %
Tier I Capital	14.06 %	21.29 %	12.71 %
NBFC
Cost of Borrowing	6.6 %	4.81 %	4.76 %
Financials
5 yr Average ROE	4.96 %	11.69 %	5.65 %
5yr average Equity Multiplier	8.54	9.04	15.68
5yr Average Asset Turnover Ratio	0.11	0.09	0.07
5yr Avg Net Profit Margin	4.77 %	14.32 %	4.73 %
5yr Avg Net Profit Margin	4.77 %	14.32 %	4.73 %
5yr CAGR Net Profit	20.29 %	16.35 %	n/a
5yr CAGR Sales	7.64 %	4.4 %	6.12 %
5 yr CAGR PPOP	2.91 %	2.49 %	9.02 %
Price to Book	0.79	1.51	0.78
P/E	17.22	12.27	5.03
Shareholdings
Promoter Holding	0.0	0.0	59.4 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-10.72 %
Change in Mutual Fund Holding (3 Yrs)	4.04 %	-2.64 %	3.67 %

Business

	RBL Bank	City Union Bank	J&K Bank
Segment Break-Up	Segment Break-Up Consumer Finance 48.62 Treasury Operations 30.59 Corporate Banking 20.26 RETAIL BANKING 0 CORPORATE /WHOLESALE BANKING 0 TREASURY 0 Treasury Operations 0 Others 0.53	Segment Break-Up Consumer Finance 0 Treasury Operations 18.8 Corporate Banking 0 Treasury Operations 0 Consumer Finance 59.48 Corporate Banking 20.22 Others 1.5	Segment Break-Up Consumer Finance 0 TREASURY 0 Corporate Banking 0 Treasury Operations 22.55 RETAIL BANKING 0 CORPORATE /WHOLESALE BANKING 0 Others 77.45
Product Wise Break-Up	Product Wise Break-Up Interest/ discount on advances/ bills 62.52 Income on investments 12.59 Interest on balances with Reserve Bank of India and other inter-bank funds 1.22 Others 23.67	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Borrowings Break-Up	Borrowings Break-Up Refinance 51.0 FCY 42.0 Tier Ii 7.0 LAF 0 CBLO/LTRO 0 Inter-Bank 0 Reserve Bank of India 0 Unsecured Redeemable Debentures/Bonds 0	Borrowings Break-Up CBLO/LTRO 0 Inter-Bank 0 Unsecured Redeemable Debentures/Bonds 0 Reserve Bank of India 28.62 LAF 0 Tier Ii 0 Refinance 0 FCY 0 Others 71.38	Borrowings Break-Up CBLO/LTRO 0 Inter-Bank 0 UNSECURED REDEEMABLE BONDS 99.86 Reserve Bank of India 0 LAF 0 Tier Ii 0 Refinance 0 FCY 0 Others 0.14
Profit Before Tax	Profit Before Tax Treasury 67.68 Corporate/Wholesale Banking 32.32 Retail Banking 0	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 37.16 Treasury 32.71 Corporate/Wholesale Banking 28.39 Others 1.74	Asset Break-Up - Segment Wise Retail Banking 0 Treasury 0 Corporate/Wholesale Banking 0 Others 100	Asset Break-Up - Segment Wise Retail Banking 50.24 Treasury 0 Corporate/Wholesale Banking 17.68 Others 32.08
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 73.91 Priority Sector 26.09 Non Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 57.9 Non Priority Sector 42.1	Priority vs Non-Priority Sector Priority Sector 37.2 Non Priority Sector 62.8
NPA Break-Up	NPA Break-Up Advances to Industries 31.53 Services 29.76 Agriculture 22.18 Personal Loans 16.53 Industry 0 Agrriculture and allied Activities 0 0 Agriculture & Allied Activities 0	NPA Break-Up Agriculture 0 Advances to Industries 0 0 Agriculture & Allied Activities 0 Personal Loan 20.22 Industrial & Commercial 24.36 Services 37.45 Agricultural 17.97	NPA Break-Up Agriculture 0 Advances to Industries 0 Priority Sector 6.31 Agricultural 10.78 Personal Loan 7.55 Industrial & Commercial 22.91 Services 48.17 Agrriculture and allied Activities 0 Others 4.28
Deposit Break-Up	Deposit Break-Up Term Deposits 67.0 Savings Deposits 19.0 Current Deposits 14.0	-	-

RBL Bank Ltd.

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