Suryoday Small Finance Bank Ltd.

Financial

	Suryoday Small Finan	Dhanlaxmi Bank	Fino Payments Bank
Operational Metrics
Banking Sector
Net Interest Margin	8.4 %	3.4 %	3.77 %
Fresh Slippages - Quarterly	49.08 Crs	28.41 Crs	n/a
CASA Ratio	19.5 %	30.54 %	100.0 %
CASA vs Liabilities	13.59 %	27.66 %	41.31 %
Credit Deposit Ratio	96.08 %	75.49 %	0.01 %
Net NPA	3.1 %	0.86 %	n/a
NBFC
Cost of Borrowing	7.8 %	5.54 %	n/a
Cost To Income Ratio	76.8 %	84.42 %	25.5 %
Gross NPA	5.5 %	n/a	n/a
Unclassified
Tier 2 Capital	1.6 %	0.96 %	4.45 %
Capital to Risks Assets Ratio (CRAR)	26.9 %	12.79 %	75.2 %
Yield On Advances	18.3 %	9.82 %	n/a
Tier I Capital	25.3 %	11.83 %	70.05 %
Financials
5 yr Average ROE	4.84 %	6.68 %	6.76 %
5yr average Equity Multiplier	5.55	15.31	4.96
5yr Average Asset Turnover Ratio	0.14	0.08	0.68
5yr Avg Net Profit Margin	4.68 %	4.28 %	2.66 %
5yr Avg Net Profit Margin	4.68 %	4.28 %	2.66 %
5yr CAGR Net Profit	14.25 %	-2.55 %	n/a
5yr CAGR Sales	16.18 %	4.32 %	16.42 %
5 yr CAGR PPOP	8.22 %	-15.63 %	n/a
Price to Book	0.71	1.07	2.88
P/E	6.61	27.98	23.24
Shareholdings
Promoter Holding	22.44 %	0.0	75.0 %
Share Pledged by Promoters	22.39 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-5.57 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	-5.45 %	0.0	-4.5 %

Business

	Suryoday Small Finan	Dhanlaxmi Bank	Fino Payments Bank
Product Wise Break-Up	Product Wise Break-Up JLG & VL 53.0 CV 12.0 FIG 11.0 HL 8.0 SBL 0 BC Banking 0 Remittance 0 AEPS 0 MATM 0 CMS 0 CASA 0 Others 16.0	-	Product Wise Break-Up FIG 0 AEPS 7.0 CMS 9.0 HL 0 CASA 24.0 SBL 0 JLG & VL 0 BC Banking 7.0 MATM 3.0 Remittance 15.0 CV 0 Others 35.0
Loan Break-Up	Loan Break-Up Microfinance 61.2 Retail Assets 27.5 Financial Intermediary Group 11.3 Retail 0 Gold 0 SME 0 Agri & Micro 0 Corporate 0	Loan Break-Up Agricultural 6.9 Corporate 24.44 Financial Intermediary Group 0 Gold 31.24 SME 14.21 Retail 23.22 Microfinance 0 Retail Assets 0	-
Segment Break-Up	Segment Break-Up Treasury 9.71 Corporate/ Wholesale Banking 0 Retail Banking 0 Retail Banks 0 Corporate & Wholesale Banking 0 Others 90.29	Segment Break-Up Consumer Finance 57.38 Treasury Operations 15.72 Corporate Banking 26.33 Retail Banks 0 Corporate & Wholesale Banking 0 Others 0.57	Segment Break-Up Retail Banking 0 Treasury 10.7 Corporate/ Wholesale Banking 0 Retail Banks 22.84 Corporate & Wholesale Banking 0 Others 66.46
Location Wise Break-Up	Location Wise Break-Up East India 0 West India 0 North India 0 South India 0 India 0 Others 100	Location Wise Break-Up North India 0 South India 0 West India 0 India 100.0 East India 0	Location Wise Break-Up North India 0 South India 0 West India 0 India 100.0 East India 0
Operating Profit Break-Up	Operating Profit Break-Up Corporate/Wholesale Banking 0 Retail Banking 0 Treasury 0 Others 100	Operating Profit Break-Up Treasury 28.25 Retail Banking 47.45 Corporate/Wholesale Banking 0 Others 24.3	Operating Profit Break-Up Treasury 29.35 Retail Banking 0 Corporate/Wholesale Banking 0 Others 70.65
NPA Break-Up	NPA Break-Up Personal loans 48.04 Agriculture and allied activities 45.46 Services 5.29 Advances to industries sector eligible as priority sector lending 1.21 Personal loans (Other than above) 0 Industry 0	NPA Break-Up Personal loans 0 Industrial & Commercial 5.9 Priority Sector 7.02 Personal Loan 13.47 Agricultural 4.75 Services 68.87	-
Asset Break-Up	Asset Break-Up Others 100	Asset Break-Up Others 100	Asset Break-Up Others 100
Deposit Break-Up	Deposit Break-Up Maharashtra 43.0 Tamil Nadu 19.0 Delhi 9.0 Karnataka 8.0 Gujarat 7.0 Odisha 4.0 Madhya Pradesh 0 Others 10.0	-	-
Priority vs Non Priority Sector	Priority vs Non Priority Sector Priority Sector 65.69 Non Priority Sector 34.31	-	-

Suryoday Small Finance Bank Ltd.

Suryoday Small Finance Bank Ltd.

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