RBL Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	RBL Bank	City Union Bank	Bandhan Bank
Operational Metrics
Banks
Net Interest Margin	4.63 %	3.63 %	5.9 %
Yield On Advances	12.13 %	9.66 %	11.9 %
Gross NPA	1.88 %	2.42 %	3.3 %
Net NPA	0.55 %	0.9 %	1.0 %
CASA Ratio	30.9 %	28.12 %	27.3 %
CASA vs Liabilities	23.5 %	23.15 %	21.81 %
Credit Deposit Ratio	86.13 %	83.0 %	90.03 %
Cost To Income Ratio	66.3 %	49.16 %	57.2 %
Fresh Slippages - Quarterly	909.0 Crs	156.5 Crs	1310.0 Crs
Capital to Risks Assets Ratio (CRAR)	14.94 %	21.68 %	17.3 %
Tier 2 Capital	1.49 %	0.97 %	0.8 %
Tier I Capital	13.45 %	20.71 %	16.5 %
NBFC
Cost of Borrowing	6.15 %	4.77 %	6.7 %
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	1.14	2.11	0.96
P/E	25.36	16.71	23.8
Shareholdings
Promoter Holding	0.0	0.0	39.74 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-0.25 %
Change in Mutual Fund Holding (3 Yrs)	19.96 %	2.37 %	3.79 %

Business

	RBL Bank	City Union Bank	Bandhan Bank
Segment Break-Up	Segment Break-Up Consumer Finance 48.55 Treasury Operations 28.95 Corporate Banking 21.63 RETAIL BANKING 0 CORPORATE /WHOLESALE BANKING 0 TREASURY 0 Retail banking 0 Others 0.87	Segment Break-Up Consumer Finance 59.16 Retail banking 0 Corporate Banking 21.29 Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Treasury Operations 17.67 Others 1.88	Segment Break-Up RETAIL BANKING 0 Consumer Finance 77.87 CORPORATE /WHOLESALE BANKING 0 Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 TREASURY 0 Others 22.13
Product Wise Break-Up	Product Wise Break-Up Interest/ discount on advances/ bills 63.8 Income on investments 11.06 Interest on balances with Reserve Bank of India and other inter-bank funds 1.68 Others 23.46	-	-
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 Southern 0 Rest of the World 0 Western 0 Northern 0 Central 0 India 100.0 Eastern 0 North Eastern 0	Location Wise Break-Up South 17.0 Rest of the World 0 West 22.0 North 9.0 Central 14.0 India 0 Eastern 33.0 North Eastern 5.0
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 banks - India 0 FCY 0 Other Institutions & agencies 0 Reserve Bank of India 17.47 Tier Ii 0 LAF 0 Inter-Bank 0 Refinance 0 CBLO/LTRO 0 Others 82.53	Borrowings Break-Up Other banks - India 5.37 FCY 0 Other Institutions & Agencies 53.96 Reserve Bank of India 0 Tier Ii 0 LAF 0 Inter-Bank 0 Refinance 0 CBLO/LTRO 0 Others 40.67
Profit Before Tax	Profit Before Tax Corporate/Wholesale Banking 54.09 Treasury 25.3 Retail Banking 0 Others 20.61	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 35.47 Treasury 31.76 Corporate/Wholesale Banking 31.42 Others 1.35	Asset Break-Up - Segment Wise Retail Banking 0 Treasury 0 Corporate/Wholesale Banking 0 Others 100	-
Deposit Break-Up	Deposit Break-Up Term Deposits 69.12 Savings Deposits 17.12 Current Deposits 13.76	-	-
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 Personal Loan 12.05 Industrial & Commercial 37.26 Services 39.95 0 Agriculture 0 Advances to Industries 0 Personal loans 0 Agriculture and allied activities 0 Industry sector 0 Agricultural 10.74	NPA Break-Up Personal Loans 0 Industry 0 Services 58.3 Advances to industries 8.04 Agriculture 0 Advances to Industries 0 Personal Loan 17.62 Agricultural 8.6 Industrial & Commercial 7.44 Agrriculture and allied Activities 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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