Dhanlaxmi Bank Ltd. benchmarking: Performance to industry peers

Financial

	Dhanlaxmi Bank	Suryoday Small Finan	Fino Payments Bank
Operational Metrics
Banks
Net Interest Margin	3.98 %	7.9 %	3.77 %
Yield On Advances	10.17 %	17.3 %	n/a
Gross NPA	1.89 %	n/a	n/a
Net NPA	0.51 %	4.2 %	n/a
CASA Ratio	28.86 %	22.6 %	100.0 %
CASA vs Liabilities	25.33 %	15.91 %	41.31 %
Credit Deposit Ratio	81.15 %	92.03 %	0.01 %
Cost To Income Ratio	55.66 %	73.7 %	38.8 %
Fresh Slippages - Quarterly	46.22 Crs	185.94 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	18.92 %	20.5 %	77.2 %
Tier 2 Capital	2.81 %	0.9 %	4.45 %
Tier I Capital	16.11 %	19.6 %	70.05 %
NBFC
Cost of Borrowing	5.62 %	7.5 %	n/a
Financials
5 yr Average ROE	5.93 %	4.71 %	13.9 %
5yr average Equity Multiplier	14.92	6.16	5.12
5yr Average Asset Turnover Ratio	0.08	0.12	0.55
5yr Avg Net Profit Margin	3.98 %	3.54 %	4.59 %
5yr Avg Net Profit Margin	3.98 %	3.14 %	4.59 %
5yr CAGR Net Profit	12.37 %	57.5 %	35.22 %
5yr CAGR Sales	7.18 %	20.56 %	18.48 %
5 yr CAGR PPOP	2.07 %	19.72 %	34.63 %
Price to Book	0.84	0.67	1.3
P/E	12.02	20.32	19.99
Shareholdings
Promoter Holding	0.0	22.48 %	75.0 %
Share Pledged by Promoters	0.0	22.35 %	0.0
Change in Promoter Holding (3 Yrs)	0.0	-0.82 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.0	-2.98 %	-4.51 %

Business

	Dhanlaxmi Bank	Suryoday Small Finan	Fino Payments Bank
Segment Break-Up	Segment Break-Up Consumer Finance 66.51 Corporate Banking 18.19 Treasury Operations 13.48 Retail Banks 0 Corporate & Wholesale Banking 0 Others 1.82	Segment Break-Up Retail Banks 0 Consumer Finance 0 Corporate & Wholesale Banking 0 Treasury Operations 0 Corporate Banking 0 Others 100	Segment Break-Up Retail Banks 31.54 Consumer Finance 0 Corporate & Wholesale Banking 0 Treasury Operations 0 Corporate Banking 0 Others 68.46
Loan Break-Up	Loan Break-Up Gold 34.1 Corporate 24.74 Retail 23.72 SME 14.35 Agricultural 3.09 Financial Intermediary Group 0 Retail Assets 0 Microfinance 0	Loan Break-Up Financial Intermediary Group 11.3 Corporate 0 Retail Assets 27.5 SME 0 Agricultural 0 Gold 0 Microfinance 61.2 Retail 0	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 East India 0 West India 0 North India 0 South India 0	Location Wise Break-Up South India 0 North India 0 India 0 East India 0 West India 0 Others 100	Location Wise Break-Up South India 0 North India 0 India 100.0 East India 0 West India 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 46.78 Treasury 27.48 Corporate/Wholesale Banking 13.89 Others 11.85	Operating Profit Break-Up Retail Banking 0 Treasury 20.51 Corporate/Wholesale Banking 0 Others 79.49	Operating Profit Break-Up Retail Banking 0 Treasury 37.6 Corporate/Wholesale Banking 0 Others 62.4
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 100.0 Lower Tier II bonds 0 Upper Tier II bonds 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 Non Priority Sector 51.49 Priority Sector 48.51	-	-
NPA Break-Up	NPA Break-Up Services 39.29 Priority Sector 36.22 Personal Loan 20.17 Agricultural 3.12 Industrial & Commercial 1.21 Personal loans 0	NPA Break-Up Industrial & Commercial 0 Services 19.31 Personal Loan 0 Agricultural 0 Priority Sector 0 Personal loans 24.67 Others 56.02	-

Dhanlaxmi Bank Ltd.

Dhanlaxmi Bank Ltd.

Financial

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