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

Financial

	Suryoday Small Finan	Dhanlaxmi Bank	Fino Payments Bank
Operational Metrics
Banks
Net Interest Margin	7.2 %	3.39 %	3.77 %
Fresh Slippages - Quarterly	185.94 Crs	28.41 Crs	n/a
CASA Ratio	17.7 %	28.21 %	100.0 %
CASA vs Liabilities	12.47 %	25.0 %	41.31 %
Credit Deposit Ratio	93.01 %	75.33 %	0.01 %
Net NPA	5.6 %	1.13 %	n/a
NBFC
Cost of Borrowing	7.9 %	5.72 %	n/a
Cost To Income Ratio	69.4 %	81.35 %	31.8 %
Gross NPA	8.5 %	n/a	n/a
Unclassified
Tier 2 Capital	1.1 %	2.79 %	4.45 %
Capital to Risks Assets Ratio (CRAR)	24.6 %	18.26 %	77.2 %
Yield On Advances	16.8 %	9.93 %	n/a
Tier I Capital	23.5 %	15.47 %	70.05 %
Financials
5 yr Average ROE	3.79 %	5.93 %	13.9 %
5yr average Equity Multiplier	6.16	14.92	5.12
5yr Average Asset Turnover Ratio	0.14	0.08	0.55
5yr Avg Net Profit Margin	3.14 %	3.98 %	4.59 %
Price to Book	0.84	0.74	3.05
P/E	20.54	12.43	29.86
5yr Avg Cash Conversion Cycle	0.0	n/a	n/a
Inventory Days	0.0	n/a	n/a
Days Receivable	0.0	n/a	n/a
Days Payable	0.0	n/a	n/a
5yr Average Interest Coverage Ratio	0.0	n/a	n/a
5yr Avg ROCE	5.91 %	n/a	n/a
5yr Avg Operating Profit Margin	0.0	n/a	n/a
5 yr average Debt to Equity	0.0	n/a	n/a
5yr CAGR Net Profit	57.5 %	n/a	n/a
5yr Average Return on Assets	5.53 %	n/a	n/a
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)	-3.84 %	0.0	-3.71 %

Business

	Suryoday Small Finan	Dhanlaxmi Bank	Fino Payments Bank
Segment Break-Up	Segment Break-Up Treasury 11.83 Corporate/ Wholesale Banking 0 Retail Banking 0 Retail Banks 0 Corporate & Wholesale Banking 0 Others 88.17	Segment Break-Up Treasury Operations 18.76 Corporate & Wholesale Banking 0 Corporate Banking 26.85 Retail Banks 0 Consumer Finance 53.7 Others 0.69	Segment Break-Up Treasury 13.33 Corporate & Wholesale Banking 0 Corporate/ Wholesale Banking 0 Retail Banks 26.39 Retail Banking 0 Others 60.28
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 SME 13.95 Financial Intermediary Group 0 Retail 22.07 Gold 32.36 Corporate 26.19 Agricultural 5.42 Microfinance 0 Retail Assets 0 Others 0.01	-
Product Wise Break-Up	Product Wise Break-Up JLG & VL 48.0 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 21.0	-	Product Wise Break-Up JLG & VL 0 HL 0 AEPS 0 MATM 0 CMS 8.0 FIG 0 BC Banking 8.0 SBL 0 Remittance 0 CV 0 CASA 34.0 Others 50.0
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 North India 0 India 100.0 East India 0 South India 0	Location Wise Break-Up West India 0 North India 0 India 100.0 East India 0 South India 0
Operating Profit Break-Up	Operating Profit Break-Up Treasury 38.2 Corporate/Wholesale Banking 0 Retail Banking 0 Others 61.8	Operating Profit Break-Up Treasury 49.03 Retail Banking 42.93 Corporate/Wholesale Banking 0 Others 8.04	Operating Profit Break-Up Treasury 38.03 Retail Banking 0 Corporate/Wholesale Banking 0 Others 61.97
NPA Break-Up	NPA Break-Up Agriculture and allied activities 55.69 Personal loans 24.67 Services 19.31 Advances to industries sector eligible as priority sector lending 0.33 Personal loans (Other than above) 0 Industry 0	NPA Break-Up Industrial & Commercial 1.21 Priority Sector 36.22 Personal loans 0 Services 39.29 Agricultural 3.12 Personal Loan 20.17	-
Deposit Break-Up	Deposit Break-Up Maharashtra 44.0 Tamil Nadu 18.0 Delhi 9.0 Karnataka 8.0 Odisha 4.0 Gujarat 4.0 Madhya Pradesh 0 Others 13.0	-	-
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 68.59 Non Priority Sector 31.41	-	-

Suryoday Small Finance Bank Ltd.

Suryoday Small Finance Bank Ltd.

Financial

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