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

Financial

	ESAF Small Finance	Capital Small Fin.	Dhanlaxmi Bank
Operational Metrics
Banks
Net Interest Margin	5.9 %	4.0 %	3.33 %
Gross NPA	8.5 %	2.7 %	3.1 %
CASA Ratio	26.4 %	34.0 %	28.87 %
CASA vs Liabilities	n/a	27.7 %	25.58 %
Credit Deposit Ratio	n/a	81.5 %	76.24 %
Net NPA	3.8 %	1.38 %	1.12 %
Capital to Risks Assets Ratio (CRAR)	22.4 %	24.2 %	17.81 %
Cost To Income Ratio	81.7 %	61.7 %	84.03 %
Tier I Capital	16.9 %	22.8 %	15.04 %
Yield On Advances	16.0 %	11.0 %	9.76 %
Tier 2 Capital	5.5 %	4.59 %	2.77 %
NBFC
Cost of Borrowing	7.3 %	5.9 %	5.78 %
AUM - NBFC	19137.0 Crs	n/a	n/a
Financials
5 yr Average ROE	5.76 %	12.38 %	5.93 %
5yr average Equity Multiplier	11.57	11.28	14.92
5yr Average Asset Turnover Ratio	0.15	0.09	0.08
5yr Avg Net Profit Margin	3.22 %	11.26 %	3.98 %
5yr Avg Net Profit Margin	3.22 %	11.26 %	3.98 %
5yr CAGR Net Profit	n/a	26.41 %	12.37 %
5yr CAGR Sales	19.61 %	12.28 %	7.18 %
5 yr CAGR PPOP	5.97 %	21.0 %	2.07 %
Price to Book	0.77	0.9	0.71
P/E	0.0	9.22	11.97
Shareholdings
Promoter Holding	63.3 %	18.75 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.09 %	-0.1 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.0	-4.65 %	0.0

Business

	ESAF Small Finance	Capital Small Fin.	Dhanlaxmi 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 Corporate/ Wholesale Banking 0 Others 4.76	Segment Break-Up Retail Banking 71.36 Treasury Operations 0 Other Banking Business 2.83 Consumer Finance 0 Corporate/Wholesale Banking 9.68 Corporate/ Wholesale Banking 0 Corporate Banking 0 Others 16.13	Segment Break-Up Consumer Finance 53.7 Treasury Operations 0 Other Banking Business 0 Consumer Finance 0 Corporate/Wholesale Banking 0 Corporate Banking 26.85 Corporate Banking 0 Others 19.45
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 Treasury 9.23 Corporate/Wholesale Banking 6.94 Wholesale banking 0 Others 0.01	Operating Profit Break-Up Retail Banking 42.93 Retail banking 0 Other Banking Business 0 Treasury 49.03 Corporate/Wholesale Banking 0 Wholesale banking 0 Others 8.04
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 Lower Tier II bonds 0 Upper Tier II bonds 0 Reserve Bank of India 0	-	Borrowings Break-Up Reserve Bank of India 100.0 RBI 0 Lower Tier II bonds 0 Other institutions & agencies 0 Upper Tier II bonds 0 Subordinated Debt 0 Perpetual Deb 0 Other bank 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 Personal loans (Other than above) 0 Industry 0 0 Agriculture and allied activities 0 Others 1.62	NPA Break-Up Other agricultural loan 0 Agriculture-land Development 0 Crop loans 0 Personal Loan 0.7 Agriculture and allied activities 0 Housing 0 Advances to NBFCs 3.13 Iron/Steel and Metal Industry 0.04 Industry 0 Education 0 Agri-farm Mechanization 0 Animal husbandry 0 Poultry 0 Consumer durables 0 Trade 0 0 Agriculture 48.26 Advances to Traders 12.21 Textile Industry 3.83 Fisheries 0 Personal loans (Other than above) 0 Services 0 Personal 0 Micro manufacturin 0 Others 31.83	NPA Break-Up Other agricultural loan 0 Agriculture-land Development 0 Crop loans 0 Personal Loan 0 Agricultural 3.12 Housing 0 Advances to NBFCs 0 Iron/Steel and Metal Industry 0 Industrial & Commercial 1.21 Education 0 Agri-farm Mechanization 0 Animal husbandry 0 Poultry 0 Consumer durables 0 Trade 0 Priority Sector 36.22 Agriculture 0 Advances to Traders 0 Textile Industry 0 Fisheries 0 Personal Loan 20.17 Services 39.29 Personal 0 Micro manufacturin 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 Personal loans (Other than above) 0 Industry 0 0 Agriculture and allied activities 0 Others 1.62	NPA Break-Up Other agricultural loan 0 Agriculture-land Development 0 Crop loans 0 Personal Loan 0.7 Agriculture and allied activities 0 Housing 0 Advances to NBFCs 3.13 Iron/Steel and Metal Industry 0.04 Industry 0 Education 0 Agri-farm Mechanization 0 Animal husbandry 0 Poultry 0 Consumer durables 0 Trade 0 0 Agriculture 48.26 Advances to Traders 12.21 Textile Industry 3.83 Fisheries 0 Personal loans (Other than above) 0 Services 0 Personal 0 Micro manufacturin 0 Others 31.83	NPA Break-Up Other agricultural loan 0 Agriculture-land Development 0 Crop loans 0 Personal Loan 0 Agricultural 3.12 Housing 0 Advances to NBFCs 0 Iron/Steel and Metal Industry 0 Industrial & Commercial 1.21 Education 0 Agri-farm Mechanization 0 Animal husbandry 0 Poultry 0 Consumer durables 0 Trade 0 Priority Sector 36.22 Agriculture 0 Advances to Traders 0 Textile Industry 0 Fisheries 0 Personal Loan 20.17 Services 39.29 Personal 0 Micro manufacturin 0
Asset Break-Up	Asset Break-Up Retail banking 66.71 Treasury 27.27 Wholesale banking 3.27 Others 2.75	-	Asset Break-Up Treasury 0 Wholesale banking 0 Retail banking 0 Others 100

ESAF Small Finance Bank Ltd.

ESAF Small Finance Bank Ltd.

Financial

Business

SIGN UP FOR FREE