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

Financial

	Suryoday Small Finan	Fino Payments Bank	Dhanlaxmi Bank
Operational Metrics
Banks
Net Interest Margin	7.3 %	3.77 %	3.33 %
Fresh Slippages - Quarterly	185.94 Crs	n/a	28.41 Crs
CASA Ratio	21.2 %	100.0 %	28.87 %
CASA vs Liabilities	16.01 %	41.31 %	25.58 %
Credit Deposit Ratio	89.55 %	0.01 %	76.24 %
Net NPA	4.3 %	n/a	1.12 %
NBFC
Cost of Borrowing	7.6 %	n/a	5.78 %
Cost To Income Ratio	75.1 %	25.9 %	84.03 %
Gross NPA	6.6 %	n/a	n/a
Unclassified
Tier 2 Capital	1.0 %	4.45 %	2.77 %
Capital to Risks Assets Ratio (CRAR)	21.9 %	77.2 %	17.81 %
Yield On Advances	16.8 %	n/a	9.76 %
Tier I Capital	21.0 %	70.05 %	15.04 %
Financials
5 yr Average ROE	3.79 %	13.9 %	5.93 %
5yr average Equity Multiplier	6.16	5.12	14.92
5yr Average Asset Turnover Ratio	0.14	0.55	0.08
5yr Avg Net Profit Margin	3.14 %	4.59 %	3.98 %
Price to Book	0.7	2.25	0.65
P/E	20.86	25.51	10.6
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 %	75.0 %	0.0
Share Pledged by Promoters	13.17 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.86 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	-3.36 %	-3.5 %	0.0

Business

	Suryoday Small Finan	Fino Payments Bank	Dhanlaxmi Bank
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 3.09 Corporate 24.74 Retail 23.72 Retail Assets 0 Microfinance 0 Gold 34.1 SME 14.35 Financial Intermediary Group 0
Segment Break-Up	Segment Break-Up Treasury 10.24 Retail Banks 0 Corporate & Wholesale Banking 0 Corporate/ Wholesale Banking 0 Retail Banking 0 Others 89.76	Segment Break-Up Retail Banks 31.54 Corporate/ Wholesale Banking 0 Treasury 15.07 Retail Banking 0 Corporate & Wholesale Banking 0 Others 53.39	Segment Break-Up Retail Banks 0 Corporate Banking 21.2 Treasury Operations 16.24 Consumer Finance 61.32 Corporate & Wholesale Banking 0 Others 1.24
Product Wise Break-Up	Product Wise Break-Up JLG & VL 45.0 CV 14.0 FIG 11.0 HL 7.0 SBL 0 BC Banking 0 Remittance 0 AEPS 0 MATM 0 CMS 0 CASA 0 Others 23.0	Product Wise Break-Up HL 0 JLG & VL 0 FIG 0 CASA 40.0 Remittance 0 SBL 0 AEPS 0 CMS 8.0 BC Banking 9.0 CV 0 MATM 0 Others 43.0	-
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 India 100.0 South India 0 East India 0 West India 0 North India 0	Location Wise Break-Up India 100.0 South India 0 East India 0 West India 0 North India 0
Operating Profit Break-Up	Operating Profit Break-Up Treasury 20.51 Corporate/Wholesale Banking 0 Retail Banking 0 Others 79.49	Operating Profit Break-Up Retail Banking 0 Treasury 37.6 Corporate/Wholesale Banking 0 Others 62.4	Operating Profit Break-Up Retail Banking 55.32 Treasury 29.35 Corporate/Wholesale Banking 0 Others 15.33
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 44.0 Tamil Nadu 18.0 Delhi 8.0 Karnataka 7.0 Gujarat 5.0 Odisha 4.0 Madhya Pradesh 0 Others 14.0	-	-
Priority vs Non Priority Sector	Priority vs Non Priority Sector Priority Sector 68.59 Non Priority Sector 31.41	-	-
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 Agricultural 3.12 Personal loans 0 Services 39.29 Industrial & Commercial 1.21 Priority Sector 36.22 Personal Loan 20.17

Suryoday Small Finance Bank Ltd.

Suryoday Small Finance Bank Ltd.

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