Fino Payments Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	Fino Payments Bank	Suryoday Small Finan	Utkarsh Small Fin.
Operational Metrics
Banks
Net Interest Margin	3.77 %	7.3 %	n/a
CASA Ratio	100.0 %	21.2 %	n/a
CASA vs Liabilities	41.31 %	16.01 %	n/a
Net NPA	n/a	4.3 %	n/a
Credit Deposit Ratio	0.01 %	89.55 %	n/a
NBFC
No Of Accounts Opened - Quarterly	851310.0 .	n/a	n/a
Tier I Capital	70.05 %	21.0 %	n/a
Cost To Income Ratio	33.1 %	75.1 %	n/a
Gross NPA	n/a	6.6 %	n/a
Take Rate - Financial Services	0.56 %	n/a	n/a
Throughput - Quarterly	118133.0 Crs	n/a	n/a
No Of Registered Merchants	2056000.0 .	n/a	n/a
Unclassified
Tier 2 Capital	4.45 %	1.0 %	n/a
Yield On Advances	n/a	16.8 %	n/a
Capital to Risks Assets Ratio (CRAR)	77.2 %	21.9 %	n/a
Financials
5 yr Average ROE	13.9 %	3.79 %	11.47 %
5yr average Equity Multiplier	5.12	6.16	9.1
5yr Average Asset Turnover Ratio	0.55	0.14	0.15
5yr Avg Net Profit Margin	4.59 %	3.14 %	7.67 %
5yr Avg Net Profit Margin	4.59 %	3.14 %	7.67 %
5yr CAGR Net Profit	35.22 %	57.5 %	-26.68 %
5yr CAGR Sales	18.48 %	20.56 %	20.4 %
5 yr CAGR PPOP	34.63 %	19.72 %	18.1 %
Price to Book	2.25	0.7	1.01
P/E	25.51	20.86	0.0
Shareholdings
Promoter Holding	75.0 %	22.44 %	42.67 %
Share Pledged by Promoters	0.0	13.17 %	0.0
Change in Promoter Holding (3 Yrs)	0.0	-0.86 %	-26.61 %
Change in Mutual Fund Holding (3 Yrs)	-3.5 %	-3.36 %	-6.81 %

Business

	Fino Payments Bank	Suryoday Small Finan	Utkarsh Small Fin.
Segment Break-Up	Segment Break-Up Retail Banks 31.54 Treasury 15.07 Corporate & Wholesale Banking 0 Retail Banking 0 Corporate/ Wholesale Banking 0 Others 53.39	Segment Break-Up Retail Banking 0 Corporate & Wholesale Banking 0 Treasury 10.24 Corporate/ Wholesale Banking 0 Retail Banks 0 Others 89.76	Segment Break-Up Retail Banking 78.39 Corporate & Wholesale Banking 0 Treasury 13.45 Corporate/ Wholesale Banking 8.16 Retail Banks 0
Product Wise Break-Up	Product Wise Break-Up CASA 40.0 BC Banking 9.0 CMS 8.0 Remittance 0 AEPS 0 MATM 0 JLG & VL 0 CV 0 HL 0 SBL 0 FIG 0 Others 43.0	Product Wise Break-Up MATM 0 Remittance 0 CASA 0 CMS 0 HL 7.0 CV 14.0 SBL 0 AEPS 0 BC Banking 0 JLG & VL 45.0 FIG 11.0 Others 23.0	-
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 India 0 North India 0 West India 0 South India 0 East India 0 Others 100	-
Interest Earned	Interest Earned Interest on Investments 72.88 Interest on Balances with RBI 27.12 Interest / Discount on Advances 0	-	-
Operating Profit Break-Up	Operating Profit Break-Up Treasury 37.6 Retail Banking 0 Corporate/ Wholesale Banking 0 Others 62.4	Operating Profit Break-Up Treasury 20.51 Corporate/ Wholesale Banking 0 Retail Banking 0 Others 79.49	Operating Profit Break-Up Treasury 0 Corporate/ Wholesale Banking 100.0 Retail Banking 0
Distribution Channel	Distribution Channel Own Banking Channel 69.0 Open Banking Channel 31.0	-	-
Product vs Subscription	Product vs Subscription Transaction Income 64.0 Subscription 36.0	-	-
Asset Break-Up	Asset Break-Up Treasury 78.45 Retail Banking 0 Corporate/ Wholesale Banking 0 Others 21.55	Asset Break-Up Treasury 27.49 Corporate/ Wholesale Banking 0 Retail Banking 0 Others 72.51	Asset Break-Up Treasury 33.84 Corporate/ Wholesale Banking 5.36 Retail Banking 53.91 Others 6.89

Fino Payments Bank Ltd.

Fino Payments Bank Ltd.

Financial

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