RBL Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	RBL Bank	City Union Bank	Bandhan Bank
Operational Metrics
Banks
Net Interest Margin	4.51 %	3.63 %	5.8 %
Yield On Advances	12.26 %	9.66 %	12.1 %
Gross NPA	2.32 %	2.42 %	5.0 %
Net NPA	0.57 %	0.9 %	1.4 %
CASA Ratio	31.9 %	28.12 %	28.0 %
CASA vs Liabilities	24.15 %	23.15 %	22.7 %
Credit Deposit Ratio	86.19 %	83.0 %	85.15 %
Cost To Income Ratio	70.7 %	49.16 %	58.2 %
Fresh Slippages - Quarterly	925.0 Crs	156.5 Crs	1590.0 Crs
Capital to Risks Assets Ratio (CRAR)	15.02 %	21.68 %	18.2 %
Tier 2 Capital	1.51 %	0.97 %	0.8 %
Tier I Capital	13.51 %	20.71 %	17.4 %
NBFC
Cost of Borrowing	6.23 %	4.77 %	6.9 %
Financials
5 yr Average ROE	4.8 %	12.32 %	9.79 %
5yr average Equity Multiplier	8.73	8.8	7.72
5yr Average Asset Turnover Ratio	0.11	0.08	0.12
5yr Avg Net Profit Margin	4.64 %	15.69 %	9.89 %
5yr Avg Net Profit Margin	4.64 %	15.69 %	9.89 %
5yr CAGR Net Profit	6.25 %	13.64 %	4.48 %
5yr CAGR Sales	11.05 %	6.9 %	11.36 %
5 yr CAGR PPOP	4.45 %	2.72 %	1.77 %
Price to Book	1.17	2.03	0.91
P/E	34.87	16.7	18.38
Shareholdings
Promoter Holding	0.0	0.0	40.29 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	0.3 %
Change in Mutual Fund Holding (3 Yrs)	21.66 %	-0.52 %	1.47 %

Business

	RBL Bank	City Union Bank	Bandhan Bank
Product Wise Break-Up	Product Wise Break-Up Interest/ discount on advances/ bills 64.57 Income on investments 11.73 Interest on balances with Reserve Bank of India and other inter-bank funds 1.43 Others 22.27	-	-
Segment Break-Up	Segment Break-Up Consumer Finance 49.19 Treasury Operations 28.34 Corporate Banking 21.7 RETAIL BANKING 0 CORPORATE /WHOLESALE BANKING 0 TREASURY 0 Retail banking 0 Others 0.77	Segment Break-Up Consumer Finance 59.16 Corporate Banking 21.29 Consumer Finance 0 Treasury Operations 17.67 Corporate Banking 0 Treasury Operations 0 Retail banking 0 Others 1.88	Segment Break-Up RETAIL BANKING 0 CORPORATE /WHOLESALE BANKING 0 Consumer Finance 0 TREASURY 0 Corporate Banking 0 Treasury Operations 0 Consumer Finance 78.21 Others 21.79
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 Western 0 Southern 0 Northern 0 Central 0 North Eastern 0 Eastern 0	Location Wise Break-Up India 100.0 Central 0 Eastern 0 North Eastern 0 Rest of the World 0 Southern 0 Western 0 Northern 0	Location Wise Break-Up India 0 Central 15.0 Eastern 33.0 North Eastern 5.0 Rest of the World 0 South 16.0 West 22.0 North 9.0
Borrowings Break-Up	Borrowings Break-Up Refinance 51.0 FCY 42.0 Tier Ii 7.0 LAF 0 CBLO/LTRO 0 Inter-Bank 0 Reserve Bank of India 0 Other Institutions & agencies 0 Other banks - India 0	Borrowings Break-Up Other Institutions & agencies 0 LAF 0 Inter-Bank 0 CBLO/LTRO 0 FCY 0 Other banks - India 0 Reserve Bank of India 17.47 Refinance 0 Tier Ii 0 Others 82.53	Borrowings Break-Up Other Institutions & Agencies 53.96 LAF 0 Inter-Bank 0 CBLO/LTRO 0 FCY 0 Other banks - India 5.37 Reserve Bank of India 0 Refinance 0 Tier Ii 0 Others 40.67
Profit Before Tax	Profit Before Tax Corporate/Wholesale Banking 100.0 Treasury 0 Retail Banking 0	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 35.55 Treasury 32.18 Corporate/Wholesale Banking 30.97 Others 1.3	Asset Break-Up - Segment Wise Treasury 0 Corporate/Wholesale Banking 0 Retail Banking 0 Others 100	-
Deposit Break-Up	Deposit Break-Up Term Deposits 68.14 Savings Deposits 16.98 Current Deposits 14.88	-	-
NPA Break-Up	NPA Break-Up Agriculture 55.02 Personal Loans 17.65 Services 15.67 Advances to Industries 11.66 Industry 0 Agrriculture and allied Activities 0 Industry sector 0 Personal loans 0 0 Agriculture and allied activities 0	NPA Break-Up Services 39.95 Agriculture 0 Industry sector 0 Agricultural 10.74 Personal loans 0 Agriculture and allied activities 0 Advances to Industries 0 Industrial & Commercial 37.26 0 Personal Loan 12.05	NPA Break-Up Services 58.3 Agriculture 0 Industrial & Commercial 7.44 Agrriculture and allied Activities 0 Personal Loan 17.62 Agricultural 8.6 Advances to Industries 0 Industry 0 Advances to industries 8.04 Personal Loans 0
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 74.94 Priority Sector 25.06 Non Priority Sector 0 Priority Sector 0 Non Priority Sector Lending 0 Priority sector Lending 0	Priority vs Non-Priority Sector Priority sector Lending 0 Non Priority Sector 41.04 Priority Sector 58.96 Non Priority Sector Lending 0	Priority vs Non-Priority Sector Priority Sector 39.5 Non Priority Sector 0 Priority Sector 0 Non Priority Sector 60.5

RBL Bank Ltd.

RBL Bank Ltd.

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