DCB Bank Ltd.

Financial

	DCB Bank	Utkarsh Small Fin.	Fino Payments Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.3 %	n/a	3.77 %
Yield On Advances	11.44 %	n/a	n/a
Gross NPA	3.11 %	n/a	n/a
CASA Ratio	25.09 %	n/a	100.0 %
CASA vs Liabilities	19.87 %	n/a	41.31 %
Credit Deposit Ratio	84.3 %	n/a	0.01 %
Cost To Income Ratio	62.7 %	n/a	25.9 %
Fresh Slippages - Quarterly	395.0 Crs	n/a	n/a
Net NPA	1.18 %	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	16.29 %	n/a	75.2 %
Tier I Capital	13.54 %	n/a	70.05 %
Tier 2 Capital	2.75 %	n/a	4.45 %
NBFC
Cost of Borrowing	7.2 %	n/a	n/a
Financials
5 yr Average ROE	10.47 %	15.47 %	6.76 %
5yr average Equity Multiplier	11.35	9.05	4.96
5yr Average Asset Turnover Ratio	0.09	0.15	0.68
5yr Avg Net Profit Margin	8.75 %	10.22 %	2.66 %
5yr Avg Net Profit Margin	8.75 %	10.22 %	2.66 %
5yr CAGR Net Profit	9.66 %	21.66 %	n/a
5yr CAGR Sales	8.24 %	20.54 %	16.42 %
5 yr CAGR PPOP	2.8 %	23.27 %	n/a
Price to Book	0.75	0.93	3.12
P/E	6.79	16.18	22.98
Shareholdings
Promoter Holding	14.7 %	68.92 %	75.0 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.16 %	-0.36 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-7.4 %	-2.5 %	-4.5 %

Business

	DCB Bank	Utkarsh Small Fin.	Fino Payments Bank
Segment Break-Up	Segment Break-Up Consumer Finance 69.83 Treasury Operations 22.27 Corporate Banking 6.22 Treasury 0 Corporate/ Wholesale Banking 0 Retail Banks 0 Corporate & Wholesale Banking 0 Others 1.68	Segment Break-Up Treasury 9.98 Retail Banks 0 Corporate/ Wholesale Banking 6.78 Consumer Finance 0 Corporate & Wholesale Banking 0 Treasury Operations 0 Corporate Banking 0 Others 83.24	Segment Break-Up Treasury 10.7 Retail Banks 22.84 Corporate/ Wholesale Banking 0 Consumer Finance 0 Corporate & Wholesale Banking 0 Treasury Operations 0 Corporate Banking 0 Others 66.46
Loan Break-Up	Loan Break-Up Mortage 44.5 AIB 23.6 Corporate Banking 6.3 Small & Medium Enterprises (SME) loans 5.3 Gold Loan 0 Construction Finance 0 Commercial Vehicle 0 Microbanking Loans+JLG 0 CE and CV 0 Business Correspondent (BC) 0 Wholesale Lending 0 Retail Assets (MSME) 0 Housing Loans 0 Others 20.3	Loan Break-Up Small & Medium Enterprises (SME) loans 0 CE and CV 6.0 Wholesale Lending 11.0 Mortage 0 AIB 0 Microbanking Loans 53.0 Construction Finance 0 Business Correspondent (BC) 0 Retail Assets (MSME) 18.0 Commercial Vehicle 0 Housing Loans 5.0 Corporate Banking 0 Gold Loan 0 Others 7.0	-
Loan Break-Up	Loan Break-Up Mortage 44.5 AIB 23.6 Corporate Banking 6.3 Small & Medium Enterprises (SME) loans 5.3 Gold Loan 0 Construction Finance 0 Commercial Vehicle 0 Microbanking Loans+JLG 0 CE and CV 0 Business Correspondent (BC) 0 Wholesale Lending 0 Retail Assets (MSME) 0 Housing Loans 0 Others 20.3	Loan Break-Up Small & Medium Enterprises (SME) loans 0 CE and CV 6.0 Wholesale Lending 11.0 Mortage 0 AIB 0 Microbanking Loans 53.0 Construction Finance 0 Business Correspondent (BC) 0 Retail Assets (MSME) 18.0 Commercial Vehicle 0 Housing Loans 5.0 Corporate Banking 0 Gold Loan 0 Others 7.0	-
Location Wise Break-Up	Location Wise Break-Up India 100.0	-	Location Wise Break-Up India 100.0
Borrowings Break-Up	Borrowings Break-Up Other Institutions and Agencies 79.35 Reserve Bank of India 14.08 Subordinated Debt 4.82 Other banks - India 0.4 Other Institutions & Agencies 0 Tier 2 Capital 0 RBI 0 Others 1.35	Borrowings Break-Up Tier 2 Capital 10.53 Subordinated Debt 0 Reserve Bank of India 0 Other Institutions and Agencies 0 Other banks - India 0 RBI 7.52 Other Institutions & Agencies 81.67 Others 0.28	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Treasury Operations 62.19 Consumer Finance 30.61 Corporate Banking 6.38 Others 0.82	-	-
Profit Before Tax	Profit Before Tax Treasury Operations 55.8 Consumer Finance 27.2 Corporate Banking 3.44 Others 13.56	-	-
NPA Break-Up	NPA Break-Up Mortage 37.51 AIB 25.12 Small & Medium Enterprises (SME) loans 11.8 Corporate 11.73 CV/STVL 11.73 Gold Loan 1.65 Others 0.46	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 51.78 Non Priority Sector 48.22	-	-

DCB Bank Ltd.

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