Suryoday Small Finance Bank Ltd.

Financial

	Suryoday Small Finan	Dhanlaxmi Bank	Fino Payments Bank
Operational Metrics
Banking Sector
Net Interest Margin	7.2 %	3.46 %	3.77 %
Fresh Slippages - Quarterly	49.08 Crs	28.41 Crs	n/a
CASA Ratio	17.7 %	29.02 %	100.0 %
CASA vs Liabilities	12.47 %	25.91 %	41.31 %
Credit Deposit Ratio	93.01 %	76.22 %	0.01 %
Net NPA	5.6 %	0.99 %	n/a
NBFC
Cost of Borrowing	7.9 %	5.69 %	n/a
Cost To Income Ratio	69.4 %	78.18 %	28.1 %
Gross NPA	8.5 %	n/a	n/a
Unclassified
Tier 2 Capital	1.1 %	0.88 %	4.45 %
Capital to Risks Assets Ratio (CRAR)	24.6 %	16.12 %	75.8 %
Yield On Advances	16.8 %	10.08 %	n/a
Tier I Capital	23.5 %	15.24 %	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	0.69	0.76	2.98
P/E	16.8	12.27	25.9
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)	-4.56 %	0.0	-4.72 %

Business

	Suryoday Small Finan	Dhanlaxmi Bank	Fino Payments Bank
Segment Break-Up	Segment Break-Up Treasury 10.88 Corporate/ Wholesale Banking 0 Retail Banking 0 Retail Banks 0 Corporate & Wholesale Banking 0 Others 89.12	Segment Break-Up Treasury Operations 17.33 Retail Banks 0 Consumer Finance 49.93 Corporate Banking 30.72 Corporate & Wholesale Banking 0 Others 2.02	Segment Break-Up Treasury 10.62 Retail Banks 23.99 Retail Banking 0 Corporate/ Wholesale Banking 0 Corporate & Wholesale Banking 0 Others 65.39
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 Corporate 24.44 Retail 23.22 Financial Intermediary Group 0 Microfinance 0 Gold 31.24 Retail Assets 0 Agricultural 6.9 SME 14.21	-
Product Wise Break-Up	Product Wise Break-Up JLG & VL 50.0 CV 13.0 FIG 11.0 HL 7.0 SBL 0 BC Banking 0 Remittance 0 AEPS 0 MATM 0 CMS 0 CASA 0 Others 19.0	-	Product Wise Break-Up CV 0 MATM 0 SBL 0 CMS 7.0 CASA 31.0 Remittance 0 AEPS 0 JLG & VL 0 HL 0 BC Banking 7.0 FIG 0 Others 55.0
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 West India 0 East India 0 South India 0 India 100.0 North India 0	Location Wise Break-Up West India 0 East India 0 South India 0 India 100.0 North India 0
Operating Profit Break-Up	Operating Profit Break-Up Treasury 100.0 Corporate/Wholesale Banking 0 Retail Banking 0	Operating Profit Break-Up Treasury 15.33 Retail Banking 68.33 Corporate/Wholesale Banking 0 Others 16.34	Operating Profit Break-Up Treasury 29.26 Retail Banking 0 Corporate/Wholesale Banking 0 Others 70.74
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 Services 68.87 Personal loans 0 Industrial & Commercial 5.9 Agricultural 4.75 Personal Loan 13.47 Priority Sector 7.02	-
Deposit Break-Up	Deposit Break-Up Maharashtra 43.0 Tamil Nadu 18.0 Delhi 10.0 Karnataka 8.0 Gujarat 6.0 Odisha 4.0 Madhya Pradesh 0 Others 11.0	-	-
Asset Break-Up	Asset Break-Up Others 100	Asset Break-Up Others 100	Asset Break-Up Others 100
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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