DCB Bank Ltd.

Financial

	DCB Bank	ESAF Small Finance	Dhanlaxmi Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.62 %	10.0 %	3.22 %
Yield On Advances	11.71 %	20.6 %	9.59 %
Gross NPA	3.23 %	4.8 %	4.05 %
CASA Ratio	26.02 %	22.7 %	30.66 %
CASA vs Liabilities	20.37 %	n/a	27.45 %
Credit Deposit Ratio	82.92 %	n/a	70.69 %
Cost To Income Ratio	63.69 %	58.6 %	88.66 %
Fresh Slippages - Quarterly	322.0 Crs	n/a	28.41 Crs
Net NPA	1.11 %	2.3 %	1.25 %
Capital to Risks Assets Ratio (CRAR)	16.59 %	23.3 %	12.71 %
Tier I Capital	14.53 %	19.7 %	11.36 %
Tier 2 Capital	2.06 %	3.6 %	1.35 %
NBFC
Cost of Borrowing	7.14 %	7.4 %	5.38 %
Financials
5 yr Average ROE	10.47 %	13.18 %	5.67 %
5yr average Equity Multiplier	11.35	10.02	15.31
5yr Average Asset Turnover Ratio	0.09	0.15	0.08
5yr Avg Net Profit Margin	8.75 %	7.67 %	3.65 %
5yr Avg Net Profit Margin	8.75 %	7.67 %	3.65 %
5yr CAGR Net Profit	9.66 %	27.34 %	33.43 %
5yr CAGR Sales	8.24 %	22.46 %	2.27 %
5 yr CAGR PPOP	2.8 %	31.29 %	5.35 %
Price to Book	0.86	1.09	1.04
P/E	8.14	6.4	18.43
Shareholdings
Promoter Holding	14.77 %	63.39 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.11 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	-6.44 %	0.02 %	0.0

Business

	DCB Bank	ESAF Small Finance	Dhanlaxmi Bank
Segment Break-Up	Segment Break-Up Consumer Finance 69.6 Treasury Operations 21.24 Corporate Banking 7.75 Retail banking 0 Wholesale banking 0 Treasury 0 Corporate/ Wholesale Banking 0 Others 1.41	Segment Break-Up Consumer Finance 83.01 Corporate Banking 0 Consumer Finance 0 Corporate/ Wholesale Banking 0 Treasury Operations 0 Corporate Banking 2.79 Treasury Operations 9.57 Others 4.63	Segment Break-Up Retail banking 0 Corporate Banking 0 Consumer Finance 0 Corporate Banking 21.18 Treasury Operations 0 Wholesale banking 0 Treasury Operations 19.41 Others 59.41
Loan Break-Up	Loan Break-Up Mortage 44.9 AIB 25.3 Corporate Banking 7.6 Small & Medium Enterprises (SME) loans 5.9 Gold Loan 3.1 Commercial Vehicles 0.4 Construction Finance 0 Retail 0 Gold 0 SME 0 Agri & Micro 0 Corporate 0 Others 12.8	-	Loan Break-Up Corporate Banking 0 Corporate 25.39 AIB 0 Small & Medium Enterprises (SME) loans 0 Construction Finance 0 Commercial Vehicles 0 Gold Loan 0 Retail 22.68 Gold 27.31 Agricultural 8.21 Mortage 0 SME 16.41
Loan Break-Up	Loan Break-Up Mortage 44.9 AIB 25.3 Corporate Banking 7.6 Small & Medium Enterprises (SME) loans 5.9 Gold Loan 3.1 Commercial Vehicles 0.4 Construction Finance 0 Retail 0 Gold 0 SME 0 Agri & Micro 0 Corporate 0 Others 12.8	-	Loan Break-Up Corporate Banking 0 Corporate 25.39 AIB 0 Small & Medium Enterprises (SME) loans 0 Construction Finance 0 Commercial Vehicles 0 Gold Loan 0 Retail 22.68 Gold 27.31 Agricultural 8.21 Mortage 0 SME 16.41
Location Wise Break-Up	Location Wise Break-Up India 100.0	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 Perpetual Deb 0 Subordinated Debt 0 Other institutions & agencies 0 Other bank 0 RBI 0 Lower Tier II bonds 0 Upper Tier II bonds 0 Others 1.35	Borrowings Break-Up Lower Tier II bonds 0 RBI 20.19 Upper Tier II bonds 0 Subordinated Debt 5.29 Other banks - India 0 Other bank 0 Other institutions & agencies 72.77 Reserve Bank of India 0 Other Institutions and Agencies 0 Perpetual Deb 1.75	Borrowings Break-Up Lower Tier II bonds 30.46 RBI 0 Upper Tier II bonds 0 Subordinated Debt 0 Other banks - India 0 Other bank 0 Other institutions & agencies 0 Reserve Bank of India 0 Other Institutions and Agencies 0 Perpetual Deb 0 Others 69.54
Profit Before Tax	Profit Before Tax Consumer Finance 77.35 Treasury Operations 14.08 Corporate / Wholesale Banking 0 Others 8.57	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Treasury Operations 32.14 Consumer Finance 32.14 Corporate Banking 7.72 Others 28.0	-	-
NPA Break-Up	NPA Break-Up Mortage 32.89 AIB 23.8 Corporate 14.41 Small & Medium Enterprises (SME) loans 11.9 CV/STVL 11.01 Gold Loan 2.44 Personal 0 Education 0 Consumer durables 0 Poultry 0 Other agricultural loan 0 Fisheries 0 Crop loans 0 Animal husbandry 0 Agri-farm Mechanization 0 Agriculture-land Development 0 Trade 0 Services 0 Micro manufacturin 0 Housing 0 Personal loans (Other than above) 0 Industry 0 0 Agriculture and allied activities 0 Others 3.55	NPA Break-Up CV/STVL 0 Housing 0.31 Trade 15.44 Personal 6.25 Poultry 2.48 Education 0.6 Small & Medium Enterprises (SME) loans 0 Crop loans 0.01 Agriculture-land Development 0.15 Fisheries 2.43 Micro manufacturin 9.28 Industry 0 AIB 0 Personal loans (Other than above) 0 Services 11.33 Other agricultural loan 22.8 Agriculture and allied activities 0 Consumer durables 0.48 Mortage 0 Corporate 0 Gold Loan 0 Animal husbandry 26.52 Agri-farm Mechanization 0.3 0 Others 1.62	NPA Break-Up CV/STVL 0 Housing 0 Trade 0 Personal 0 Poultry 0 Education 0 Small & Medium Enterprises (SME) loans 0 Crop loans 0 Agriculture-land Development 0 Fisheries 0 Micro manufacturin 0 Industrial & Commercial 5.9 AIB 0 Personal Loan 13.47 Services 68.87 Other agricultural loan 0 Agricultural 4.75 Consumer durables 0 Mortage 0 Corporate 0 Gold Loan 0 Animal husbandry 0 Agri-farm Mechanization 0 Priority Sector 7.02
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 51.78 Non Priority Sector 48.22 Non-Priority 0 Priority 0	-	Priority vs Non-Priority Sector Priority Sector 50.26 Priority Sector 0 Non Priority Sector 0 Non Priority Sector 49.74

DCB Bank Ltd.

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