Dhanlaxmi Bank Ltd.

Financial

	Dhanlaxmi Bank	Suryoday Small Finan	Fino Payments Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.25 %	9.7 %	3.77 %
Yield On Advances	9.55 %	19.6 %	n/a
Gross NPA	3.82 %	n/a	n/a
Net NPA	1.12 %	0.8 %	n/a
CASA Ratio	31.66 %	17.9 %	100.0 %
CASA vs Liabilities	28.68 %	0.66 %	41.31 %
Credit Deposit Ratio	75.3 %	99.51 %	0.01 %
Cost To Income Ratio	80.81 %	63.5 %	25.7 %
Fresh Slippages - Quarterly	28.41 Crs	49.08 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	13.06 %	24.9 %	75.2 %
Tier 2 Capital	0.96 %	1.4 %	4.45 %
Tier I Capital	12.1 %	23.5 %	70.05 %
NBFC
Cost of Borrowing	5.77 %	7.6 %	n/a
Financials
5 yr Average ROE	6.68 %	4.84 %	6.76 %
5yr average Equity Multiplier	15.31	5.55	4.96
5yr Average Asset Turnover Ratio	0.08	0.14	0.68
5yr Avg Net Profit Margin	4.28 %	4.68 %	2.66 %
5yr Avg Net Profit Margin	4.28 %	4.68 %	2.66 %
5yr CAGR Net Profit	-2.55 %	14.25 %	n/a
5yr CAGR Sales	4.32 %	16.18 %	16.42 %
5 yr CAGR PPOP	-15.63 %	8.22 %	n/a
Price to Book	1.18	0.77	3.9
P/E	51.65	6.33	28.88
Shareholdings
Promoter Holding	0.0	22.3 %	75.0 %
Share Pledged by Promoters	0.0	22.53 %	0.0
Change in Promoter Holding (3 Yrs)	0.0	-5.71 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.0	-4.73 %	-1.48 %

Business

	Dhanlaxmi Bank	Suryoday Small Finan	Fino Payments Bank
Segment Break-Up	Segment Break-Up Consumer Finance 57.69 Corporate Banking 23.23 Treasury Operations 18.2 Retail Banks 0 Corporate & Wholesale Banking 0 Others 0.88	Segment Break-Up Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Corporate & Wholesale Banking 0 Retail Banks 0 Others 100	Segment Break-Up Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Corporate & Wholesale Banking 0 Retail Banks 24.99 Others 75.01
Loan Break-Up	Loan Break-Up Gold 30.6 Corporate 23.74 Retail 23.0 SME 15.47 Agricultural 7.18 Financial Intermediary Group 0 Retail Assets 0 Microfinance 0 Others 0.01	Loan Break-Up Gold 0 Retail 0 SME 0 Retail Assets 27.5 Financial Intermediary Group 11.3 Microfinance 61.2 Corporate 0 Agricultural 0	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 East India 0 West India 0 North India 0 South India 0	Location Wise Break-Up India 0 West India 0 South India 0 East India 0 North India 0 Others 100	Location Wise Break-Up India 100.0 West India 0 South India 0 East India 0 North India 0
Operating Profit Break-Up	Operating Profit Break-Up Treasury 66.31 Retail Banking 25.72 Corporate/Wholesale Banking 0 Others 7.97	Operating Profit Break-Up Retail Banking 0 Corporate/Wholesale Banking 0 Treasury 8.71 Others 91.29	Operating Profit Break-Up Retail Banking 0 Corporate/Wholesale Banking 0 Treasury 29.38 Others 70.62
Borrowings Break-Up	Borrowings Break-Up Lower Tier II bonds 30.46 Upper Tier II bonds 0 Reserve Bank of India 0 Others 69.54	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 52.55 Non Priority Sector 47.45	-	-
NPA Break-Up	NPA Break-Up Services 68.87 Personal Loan 13.47 Priority Sector 7.02 Industrial & Commercial 5.9 Agricultural 4.75 Personal loans 0	NPA Break-Up Personal Loan 0 Personal loans 48.04 Industrial & Commercial 0 Services 5.29 Priority Sector 0 Agricultural 0 Others 46.67	-
Asset Break-Up	Asset Break-Up Others 100	Asset Break-Up Others 100	Asset Break-Up Others 100

Dhanlaxmi Bank Ltd.

SIGN UP FOR FREE