RBL Bank Ltd.

Financial

	RBL Bank	J&K Bank	City Union Bank
Operational Metrics
Banking Sector
Net Interest Margin	4.89 %	4.04 %	3.6 %
Yield On Advances	13.0 %	9.44 %	9.93 %
Gross NPA	2.6 %	4.08 %	3.09 %
Net NPA	0.29 %	0.79 %	1.25 %
CASA Ratio	34.1 %	48.17 %	28.52 %
CASA vs Liabilities	25.77 %	41.97 %	23.34 %
Credit Deposit Ratio	83.49 %	70.13 %	84.0 %
Cost To Income Ratio	66.4 %	57.54 %	48.21 %
Fresh Slippages - Quarterly	1058.0 Crs	197.56 Crs	259.5 Crs
Capital to Risks Assets Ratio (CRAR)	15.54 %	16.29 %	23.75 %
Tier 2 Capital	1.48 %	2.34 %	1.05 %
Tier I Capital	14.06 %	13.96 %	22.7 %
NBFC
Cost of Borrowing	6.6 %	4.8 %	4.95 %
Financials
5 yr Average ROE	4.96 %	5.65 %	11.69 %
5yr average Equity Multiplier	8.54	15.68	9.04
5yr Average Asset Turnover Ratio	0.11	0.07	0.09
5yr Avg Net Profit Margin	4.77 %	4.73 %	14.32 %
5yr Avg Net Profit Margin	4.77 %	4.73 %	14.32 %
5yr CAGR Net Profit	20.29 %	n/a	16.35 %
5yr CAGR Sales	7.64 %	6.12 %	4.4 %
5 yr CAGR PPOP	2.91 %	9.02 %	2.49 %
Price to Book	0.81	0.79	1.52
P/E	17.79	5.36	12.81
Shareholdings
Promoter Holding	0.0	59.4 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-10.72 %	0.0
Change in Mutual Fund Holding (3 Yrs)	4.04 %	3.67 %	-2.64 %

Business

	RBL Bank	J&K Bank	City Union Bank
Product Wise Break-Up	Product Wise Break-Up Interest/ discount on advances/ bills 62.52 Income on investments 12.59 Interest on balances with Reserve Bank of India and other inter-bank funds 1.22 Others 23.67	-	-
Segment Break-Up	Segment Break-Up Consumer Finance 48.81 Treasury Operations 28.94 Corporate Banking 21.07 Treasury Operations 0 RETAIL BANKING 0 CORPORATE /WHOLESALE BANKING 0 TREASURY 0 Others 1.18	Segment Break-Up TREASURY 0 Consumer Finance 0 Treasury Operations 20.07 Corporate Banking 0 CORPORATE /WHOLESALE BANKING 0 RETAIL BANKING 0 Others 79.93	Segment Break-Up Treasury Operations 17.6 Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Corporate Banking 20.25 Consumer Finance 59.0 Others 3.15
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Borrowings Break-Up	Borrowings Break-Up Refinance 51.0 FCY 42.0 Tier Ii 7.0 LAF 0 CBLO/LTRO 0 Inter-Bank 0 Unsecured Redeemable Debentures/Bonds 0 Reserve Bank of India 0	Borrowings Break-Up CBLO/LTRO 0 Reserve Bank of India 0 UNSECURED REDEEMABLE BONDS 99.86 Inter-Bank 0 Refinance 0 LAF 0 FCY 0 Tier Ii 0 Others 0.14	Borrowings Break-Up CBLO/LTRO 0 Reserve Bank of India 28.62 Unsecured Redeemable Debentures/Bonds 0 Inter-Bank 0 Refinance 0 LAF 0 FCY 0 Tier Ii 0 Others 71.38
Profit Before Tax	Profit Before Tax Corporate/Wholesale Banking 83.11 Treasury 16.89 Retail Banking 0	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 36.27 Treasury 33.98 Corporate/Wholesale Banking 28.15 Others 1.6	Asset Break-Up - Segment Wise Treasury 0 Corporate/Wholesale Banking 20.67 Retail Banking 47.5 Others 31.83	Asset Break-Up - Segment Wise Treasury 0 Corporate/Wholesale Banking 0 Retail Banking 0 Others 100
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 73.91 Priority Sector 26.09 Non Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 62.8 Priority Sector 37.2	Priority vs Non-Priority Sector Non Priority Sector 42.1 Priority Sector 57.9
Deposit Break-Up	Deposit Break-Up Term Deposits 66.0 Savings Deposits 18.0 Current Deposits 16.0	-	-
NPA Break-Up	NPA Break-Up Advances to Industries 31.53 Services 29.76 Agriculture 22.18 Personal Loans 16.53 Industry 0 0 Agriculture & Allied Activities 0 Agrriculture and allied Activities 0	NPA Break-Up Services 48.17 Agricultural 10.78 Agrriculture and allied Activities 0 Priority Sector 6.31 Advances to Industries 0 Industrial & Commercial 22.91 Personal Loan 7.55 Agriculture 0 Others 4.28	NPA Break-Up Services 37.45 Agriculture & Allied Activities 0 Agricultural 17.97 0 Advances to Industries 0 Industrial & Commercial 24.36 Personal Loan 20.22 Agriculture 0

RBL Bank Ltd.

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