Jana Small Finance Bank Ltd.

Financial

	Jana Small Fin. Bank	Ujjivan Small Fin	Suryoday Small Finan
Operational Metrics
Banking Sector
Gross NPA	2.8 %	2.5 %	n/a
Net Interest Margin	6.9 %	7.7 %	7.2 %
Net NPA	0.9 %	0.7 %	5.6 %
CASA Ratio	17.8 %	24.29 %	17.7 %
CASA vs Liabilities	13.8 %	19.1 %	12.47 %
Tier 2 Capital	1.0 %	1.58 %	1.1 %
Capital to Risks Assets Ratio (CRAR)	20.5 %	22.77 %	24.6 %
Yield On Advances	16.5 %	17.6 %	16.8 %
NBFC
Cost To Income Ratio	65.4 %	67.0 %	69.4 %
Tier I Capital	17.8 %	21.18 %	23.5 %
Cost of Borrowing	8.0 %	7.6 %	7.9 %
AUM - NBFC	29931.0 Crs	n/a	n/a
Financials
5 yr Average ROE	12.11 %	13.02 %	4.84 %
5yr average Equity Multiplier	14.18	7.54	5.55
5yr Average Asset Turnover Ratio	0.15	0.15	0.14
5yr Avg Net Profit Margin	5.14 %	8.05 %	4.68 %
5yr Avg Net Profit Margin	5.14 %	8.05 %	4.68 %
5yr CAGR Net Profit	85.93 %	144.56 %	14.25 %
5yr CAGR Sales	14.07 %	18.3 %	16.18 %
5 yr CAGR PPOP	33.58 %	16.1 %	8.22 %
Price to Book	1.18	1.41	0.71
P/E	11.21	16.23	17.46
Shareholdings
Promoter Holding	21.88 %	0.0	22.44 %
Share Pledged by Promoters	0.0	0.0	22.39 %
Change in Promoter Holding (3 Yrs)	-0.66 %	-83.32 %	-5.57 %
Change in Mutual Fund Holding (3 Yrs)	2.88 %	10.95 %	-4.56 %

Business

	Jana Small Fin. Bank	Ujjivan Small Fin	Suryoday Small Finan
Segment Break-Up	Segment Break-Up Retail Banking 78.04 Treasury 16.4 Corporate Banking 3.5 Wholesale Banking 0 Others 2.06	Segment Break-Up Corporate Banking 2.99 Consumer Finance 84.14 Treasury Operations 12.87 Corporate Banking 0	Segment Break-Up Wholesale Banking 0 Retail Banking 0 Treasury 10.88 Corporate Banking 0 Others 89.12
Loan Break-Up	Loan Break-Up Unsecured working capital 29.02 Affordable 21.83 Micro LAP 3 19.78 MSME loans 14.13 Term loans 6.64 Gold loans 3.8 Two-wheeler 3.8 Loans against fixed deposits 0.58 Group loans 0 Agricultural and allied loans 0 Individual and micro business loans 0 Individual 0 Group Loans 0 FIG 0 Two Wheeler Loans 0 Staff Loans 0 Personal Loans 0 Advances against deposits 0 Agriculture Loans 0 Institutional Lending 0 MSE 0 Secured Housing 0 Micro Banking 0 Financial Intermediary Group 0 Retail Assets 0 Microfinance 0 Others 0.42	Loan Break-Up Two-wheeler 0 Staff Loans 0 Micro Banking 0 Micro LAP 3 0 MSME loans 0 Gold loans 0 FIG 9.0 Individual 16.0 Secured Housing 23.0 Group Loans 41.0 Retail Assets 0 Group loans 0 Microfinance 0 Advances against deposits 0 MSE 6.0 Institutional Lending 0 Agricultural Loan 1.0 Affordable 0 Unsecured working capital 0 Individual and micro business loans 0 Personal Loans 0 Agricultural and allied loans 0 Loans against fixed deposits 0 Financial Intermediary Group 0 Term loans 0 Two Wheeler Loans 0 Others 4.0	Loan Break-Up Two-wheeler 0 Staff Loans 0 Micro Banking 0 Micro LAP 3 0 MSME loans 0 Gold loans 0 FIG 0 Individual 0 Secured Housing 0 Group Loans 0 Retail Assets 27.5 Group loans 0 Microfinance 61.2 Advances against deposits 0 MSE 0 Institutional Lending 0 Agriculture Loans 0 Affordable 0 Unsecured working capital 0 Individual and micro business loans 0 Personal Loans 0 Agricultural and allied loans 0 Loans against fixed deposits 0 Financial Intermediary Group 11.3 Term loans 0 Two Wheeler Loans 0
Location Wise Break-Up	Location Wise Break-Up India 100.0 West India 0 East India 0 South India 0 North India 0	Location Wise Break-Up South India 29.0 India 0 West India 18.0 East India 24.0 North India 28.0 Others 1.0	Location Wise Break-Up South India 0 India 0 West India 0 East India 0 North India 0 Others 100
Interest Earned	Interest Earned Micro Housing 13.4 Term loans to NBFC 4.36 2 wheeler loans 1.66 Others 80.58	-	-
Operating Profit Break-Up	Operating Profit Break-Up Treasury 58.13 Corporate/Wholesale Banking 1.89 Retail Banking 0 Wholesale Banking 0 Others 39.98	Operating Profit Break-Up Corporate/Wholesale Banking 0 Retail Banking 41.0 Treasury 29.86 Wholesale Banking 29.14	Operating Profit Break-Up Corporate/Wholesale Banking 0 Retail Banking 0 Treasury 100.0 Wholesale Banking 0
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 62.88 Treasury 26.95 Corporate/Wholesale Banking 9.04 Others 1.13	-	-
NPA Break-Up	NPA Break-Up Individual and micro business loans 22.48 Micro LAP 18.13 Agricultural and allied loans 16.93 MSME loans 14.63 Affordable housing loans 13.86 Term loans to NBFCs 6.51 Group loans 3.17 Two-wheeler loans 1.56 Loans against fixed deposits 1.45 Gold loans 1.27 Personal loans 0 Services 0 0 Agriculture and Allied activities 0 0 Agriculture and allied activities 0 Others 0.01	NPA Break-Up Two-wheeler loans 0 Gold loans 0 Agriculture and allied activities 0 MSME loans 0 Services 17.75 Individual and micro business loans 0 Term loans to NBFCs 0 Agricultural and allied loans 0 Affordable housing loans 0 Personal Loan 49.94 Loans against fixed deposits 0 Agricultural 25.35 0 Micro LAP 0 Group loans 0 Advances to industries 6.96	NPA Break-Up Two-wheeler loans 0 Gold loans 0 Agriculture and allied activities 45.46 MSME loans 0 Services 5.29 Individual and micro business loans 0 Term loans to NBFCs 0 Agricultural and allied loans 0 Affordable housing loans 0 Personal loans 48.04 Loans against fixed deposits 0 Agriculture and Allied activities 0 Advances to industries sector eligible as priority sector lending 1.21 Micro LAP 0 Group loans 0 0
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Personal loan & Housing loans 43.85 Services 26.22 Agricultural and Allied Activities 21.94 Industry Sector 7.99 Non-Priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Industry Sector 0 Non Priority Sector 31.12 Services 0 Agricultural and Allied Activities 0 Personal loan & Housing loans 0 Priority Sector 68.88	-

Jana Small Finance Bank Ltd.

Jana Small Finance Bank Ltd.

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