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

Financial

	ESAF Small Finance	Capital Small Fin.	Fino Payments Bank
Operational Metrics
Banks
Net Interest Margin	6.1 %	4.0 %	3.77 %
Gross NPA	5.6 %	2.68 %	n/a
CASA Ratio	25.1 %	36.0 %	100.0 %
CASA vs Liabilities	n/a	29.57 %	41.31 %
Credit Deposit Ratio	n/a	80.4 %	0.01 %
Net NPA	2.7 %	1.35 %	n/a
Capital to Risks Assets Ratio (CRAR)	22.7 %	21.6 %	77.2 %
Cost To Income Ratio	71.0 %	60.9 %	33.1 %
Tier I Capital	16.0 %	22.8 %	70.05 %
Yield On Advances	16.1 %	11.0 %	n/a
Tier 2 Capital	6.7 %	4.59 %	4.45 %
NBFC
Cost of Borrowing	7.2 %	5.86 %	n/a
AUM - NBFC	20679.0 Crs	n/a	n/a
Financials
5 yr Average ROE	5.76 %	12.38 %	13.9 %
5yr average Equity Multiplier	11.57	11.28	5.12
5yr Average Asset Turnover Ratio	0.15	0.09	0.55
5yr Avg Net Profit Margin	3.22 %	11.26 %	4.59 %
5yr Avg Net Profit Margin	3.22 %	11.26 %	4.59 %
5yr CAGR Net Profit	n/a	26.41 %	35.22 %
5yr CAGR Sales	19.61 %	12.28 %	18.48 %
5 yr CAGR PPOP	5.97 %	21.0 %	34.63 %
Price to Book	0.82	0.82	2.25
P/E	0.0	8.61	25.51
Shareholdings
Promoter Holding	63.3 %	17.96 %	75.0 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.09 %	-0.89 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.0	-4.65 %	-3.5 %

Business

	ESAF Small Finance	Capital Small Fin.	Fino Payments Bank
Segment Break-Up	Segment Break-Up Consumer Finance 82.72 Treasury Operations 9.89 Corporate Banking 2.63 Other Banking Business 0 Corporate/Wholesale Banking 0 Retail Banking 0 Retail Banks 0 Corporate & Wholesale Banking 0 Others 4.76	Segment Break-Up Corporate & Wholesale Banking 0 Consumer Finance 0 Retail Banking 71.36 Corporate Banking 0 Treasury Operations 0 Other Banking Business 2.83 Corporate/Wholesale Banking 9.68 Retail Banks 0 Others 16.13	Segment Break-Up Corporate & Wholesale Banking 0 Consumer Finance 0 Retail Banking 0 Corporate Banking 0 Treasury Operations 0 Other Banking Business 0 Corporate/Wholesale Banking 0 Retail Banks 31.54 Others 68.46
Location Wise Break-Up	Location Wise Break-Up India 100.0	-	Location Wise Break-Up India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Wholesale banking 32.0 Treasury 0 Retail banking 0 Other Banking Business 0 Corporate/Wholesale Banking 0 Retail Banking 0 Others 68.0	Operating Profit Break-Up Retail Banking 71.1 Retail banking 0 Other Banking Business 12.72 Corporate/Wholesale Banking 6.94 Wholesale banking 0 Treasury 9.23 Others 0.01	Operating Profit Break-Up Retail Banking 0 Retail banking 0 Other Banking Business 0 Corporate/Wholesale Banking 0 Wholesale banking 0 Treasury 37.6 Others 62.4
AUM Break-Up	AUM Break-Up Micro loans 38.8 Retail loans 9.1 Agri loans 5.48 Financial instution 4.42 MSME 3.01 Others 39.19	-	-
Borrowings Break-Up	Borrowings Break-Up Other institutions & agencies 72.4 Subordinated Debt 24.19 Perpetual Deb 3.41 Other bank 0 RBI 0	-	-
NPA Break-Up	NPA Break-Up Animal husbandry 26.52 Other agricultural loan 22.8 Trade 15.44 Services 11.33 Micro manufacturin 9.28 Personal 6.25 Poultry 2.48 Fisheries 2.43 Education 0.6 Consumer durables 0.48 Housing 0.31 Agri-farm Mechanization 0.3 Agriculture-land Development 0.15 Crop loans 0.01 Advances to NBFCs 0 Personal Loan 0 Advances to Traders 0 Iron/Steel and Metal Industry 0 Textile Industry 0 Agriculture 0 Others 1.62	NPA Break-Up Services 0 Advances to NBFCs 3.13 Housing 0 Textile Industry 3.83 Trade 0 Agriculture 48.26 Consumer durables 0 Advances to Traders 12.21 Agri-farm Mechanization 0 Personal 0 Animal husbandry 0 Personal Loan 0.7 Poultry 0 Agriculture-land Development 0 Micro manufacturin 0 Other agricultural loan 0 Iron/Steel and Metal Industry 0.04 Crop loans 0 Education 0 Fisheries 0 Others 31.83	-
NPA Break-Up	NPA Break-Up Animal husbandry 26.52 Other agricultural loan 22.8 Trade 15.44 Services 11.33 Micro manufacturin 9.28 Personal 6.25 Poultry 2.48 Fisheries 2.43 Education 0.6 Consumer durables 0.48 Housing 0.31 Agri-farm Mechanization 0.3 Agriculture-land Development 0.15 Crop loans 0.01 Advances to NBFCs 0 Personal Loan 0 Advances to Traders 0 Iron/Steel and Metal Industry 0 Textile Industry 0 Agriculture 0 Others 1.62	NPA Break-Up Services 0 Advances to NBFCs 3.13 Housing 0 Textile Industry 3.83 Trade 0 Agriculture 48.26 Consumer durables 0 Advances to Traders 12.21 Agri-farm Mechanization 0 Personal 0 Animal husbandry 0 Personal Loan 0.7 Poultry 0 Agriculture-land Development 0 Micro manufacturin 0 Other agricultural loan 0 Iron/Steel and Metal Industry 0.04 Crop loans 0 Education 0 Fisheries 0 Others 31.83	-
Asset Break-Up	Asset Break-Up Retail banking 66.71 Treasury 27.27 Wholesale banking 3.27 Others 2.75	-	Asset Break-Up Wholesale banking 0 Retail banking 0 Treasury 78.45 Others 21.55

ESAF Small Finance Bank Ltd.

ESAF Small Finance Bank Ltd.

Financial

Business

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