Fino Payments Bank Ltd. benchmarking: Performance to industry peers

Financial

	Fino Payments Bank	Dhanlaxmi Bank	Suryoday Small Finan
Operational Metrics
Banks
Net Interest Margin	3.77 %	3.98 %	7.9 %
CASA Ratio	100.0 %	28.86 %	22.6 %
CASA vs Liabilities	41.31 %	25.33 %	15.91 %
Net NPA	n/a	0.51 %	4.2 %
Credit Deposit Ratio	0.01 %	81.15 %	92.03 %
NBFC
No Of Accounts Opened - Quarterly	688500.0 .	n/a	n/a
Tier I Capital	70.05 %	16.11 %	19.6 %
Cost To Income Ratio	38.8 %	55.66 %	73.7 %
Gross NPA	n/a	n/a	6.5 %
Take Rate - Financial Services	0.56 %	n/a	n/a
Throughput - Quarterly	107800.0 Crs	n/a	n/a
No Of Registered Merchants	2084000.0 .	n/a	n/a
Unclassified
Tier 2 Capital	4.45 %	2.81 %	0.9 %
Yield On Advances	n/a	10.17 %	17.3 %
Capital to Risks Assets Ratio (CRAR)	77.2 %	18.92 %	20.5 %
Financials
5 yr Average ROE	13.9 %	5.93 %	4.71 %
5yr average Equity Multiplier	5.12	14.92	6.16
5yr Average Asset Turnover Ratio	0.55	0.08	0.12
5yr Avg Net Profit Margin	4.59 %	3.98 %	3.54 %
5yr Avg Net Profit Margin	4.59 %	3.98 %	3.14 %
5yr CAGR Net Profit	35.22 %	12.37 %	57.5 %
5yr CAGR Sales	18.48 %	7.18 %	20.56 %
5 yr CAGR PPOP	34.63 %	2.07 %	19.72 %
Price to Book	1.3	0.84	0.67
P/E	19.99	12.02	20.32
Shareholdings
Promoter Holding	75.0 %	0.0	22.48 %
Share Pledged by Promoters	0.0	0.0	22.35 %
Change in Promoter Holding (3 Yrs)	0.0	0.0	-0.82 %
Change in Mutual Fund Holding (3 Yrs)	-4.51 %	0.0	-2.98 %

Business

	Fino Payments Bank	Dhanlaxmi Bank	Suryoday Small Finan
Segment Break-Up	Segment Break-Up Retail Banks 31.54 Treasury 15.07 Corporate & Wholesale Banking 0 Corporate/ Wholesale Banking 0 Retail Banking 0 Others 53.39	Segment Break-Up Corporate & Wholesale Banking 0 Treasury Operations 13.48 Retail Banks 0 Corporate Banking 18.19 Consumer Finance 66.51 Others 1.82	Segment Break-Up Corporate & Wholesale Banking 0 Treasury 10.24 Retail Banks 0 Corporate/ Wholesale Banking 0 Retail Banking 0 Others 89.76
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 CV 14.0 CMS 0 FIG 11.0 CASA 0 Remittance 0 SBL 0 HL 7.0 AEPS 0 BC Banking 0 JLG & VL 45.0 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 100.0 East India 0 South India 0 West India 0 North India 0	Location Wise Break-Up India 0 East India 0 South India 0 West India 0 North 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 Corporate/Wholesale Banking 0 Retail Banking 0 Others 62.4	Operating Profit Break-Up Treasury 27.48 Retail Banking 46.78 Corporate/Wholesale Banking 13.89 Others 11.85	Operating Profit Break-Up Treasury 20.51 Retail Banking 0 Corporate/Wholesale Banking 0 Others 79.49
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 Others 100	Asset Break-Up Others 100	Asset Break-Up Others 100

Fino Payments Bank Ltd.

Fino Payments Bank Ltd.

Financial

Business

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