RBL Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	RBL Bank	City Union Bank	Karur Vysya Bank
Operational Metrics
Banking Sector
Net Interest Margin	4.5 %	3.54 %	3.86 %
Yield On Advances	12.5 %	9.81 %	10.0 %
Gross NPA	2.78 %	2.99 %	0.66 %
Net NPA	0.45 %	1.2 %	1.03 %
CASA Ratio	32.5 %	27.31 %	27.48 %
CASA vs Liabilities	24.62 %	25.63 %	23.38 %
Credit Deposit Ratio	83.76 %	82.0 %	83.4 %
Cost To Income Ratio	72.4 %	48.12 %	47.24 %
Fresh Slippages - Quarterly	1060.0 Crs	196.3 Crs	188.0 Crs
Capital to Risks Assets Ratio (CRAR)	15.59 %	23.1 %	17.36 %
Tier 2 Capital	1.54 %	1.01 %	0.19 %
Tier I Capital	14.05 %	22.09 %	16.33 %
NBFC
Cost of Borrowing	6.55 %	4.96 %	5.78 %
Financials
5 yr Average ROE	4.8 %	12.32 %	12.63 %
5yr average Equity Multiplier	8.73	8.8	10.46
5yr Average Asset Turnover Ratio	0.11	0.08	0.09
5yr Avg Net Profit Margin	4.64 %	15.69 %	12.75 %
5yr Avg Net Profit Margin	4.64 %	15.69 %	12.75 %
5yr CAGR Net Profit	6.25 %	13.64 %	40.13 %
5yr CAGR Sales	11.05 %	6.9 %	12.49 %
5 yr CAGR PPOP	4.45 %	2.72 %	19.99 %
Price to Book	1.2	1.72	1.83
P/E	32.4	14.01	10.91
Shareholdings
Promoter Holding	0.0	0.0	2.1 %
Share Pledged by Promoters	0.0	0.0	3.71 %
Change in Promoter Holding (3 Yrs)	0.0	0.0	-0.18 %
Change in Mutual Fund Holding (3 Yrs)	22.47 %	-0.52 %	10.25 %

Business

	RBL Bank	City Union Bank	Karur Vysya Bank
Product Wise Break-Up	Product Wise Break-Up Interest/ discount on advances/ bills 61.44 Income on investments 12.14 Interest on balances with Reserve Bank of India and other inter-bank funds 1.51 Others 24.91	-	-
Segment Break-Up	Segment Break-Up Consumer Finance 47.13 Treasury Operations 31.53 Corporate Banking 20.76 RETAIL BANKING 0 CORPORATE /WHOLESALE BANKING 0 TREASURY 0 Retail Banking Operations 0 Corporate/Wholesale Banking Operations 0 Treasury Operations 0 Others 0.58	Segment Break-Up Retail Banking Operations 0 Treasury Operations 20.4 Treasury Operations 0 Consumer Finance 0 Corporate Banking 0 Corporate/Wholesale Banking Operations 0 Consumer Finance 57.37 Corporate Banking 20.99 Others 1.24	Segment Break-Up Consumer Finance 64.17 TREASURY 0 Treasury Operations 17.36 Consumer Finance 0 Corporate Banking 0 Corporate Banking 17.37 RETAIL BANKING 0 CORPORATE /WHOLESALE BANKING 0 Others 1.1
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 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 0 0	Borrowings Break-Up Refinance 0 LAF 0 CBLO/LTRO 0 0 Reserve Bank of India 17.47 Tier Ii 0 FCY 0 0 Inter-Bank 0 Others 82.53	Borrowings Break-Up Refinance 0 LAF 0 CBLO/LTRO 0 0 Reserve Bank of India 0 Tier Ii 0 FCY 0 0 Inter-Bank 0 Others 100
Profit Before Tax	Profit Before Tax Treasury 69.17 Corporate/Wholesale Banking 30.83 Retail Banking 0	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 36.08 Treasury 33.67 Corporate/Wholesale Banking 28.66 Others 1.59	Asset Break-Up - Segment Wise Corporate/Wholesale Banking 0 Retail Banking 0 Treasury 0 Others 100	Asset Break-Up - Segment Wise Corporate/Wholesale Banking 0 Retail Banking 0 Treasury 0 Others 100
Deposit Break-Up	Deposit Break-Up Term Deposits 67.52 Savings Deposits 16.77 Current Deposits 15.71	-	-
NPA Break-Up	NPA Break-Up Agriculture 55.02 Personal Loans 17.65 Services 15.67 Advances to Industries 11.66 Industry 0 Agrriculture and allied Activities 0	NPA Break-Up Industrial & Commercial 37.26 Agriculture 0 Services 39.95 Advances to Industries 0 Personal Loan 12.05 Agricultural 10.74	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 74.94 Priority Sector 25.06 Non Priority Sector 0 Priority Sector 0 Non-Priority Sector 0	Priority vs Non-Priority Sector Non-Priority Sector 0 Non Priority Sector 41.04 Priority Sector 58.96	Priority vs Non-Priority Sector Non Priority Sector 58.43 Non Priority Sector 0 Priority Sector 41.57

RBL Bank Ltd.

RBL Bank Ltd.

Financial

Business

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