Dhanlaxmi Bank Ltd.

Financial

	Dhanlaxmi Bank	Suryoday Small Finan	Fino Payments Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.4 %	8.4 %	3.77 %
Yield On Advances	9.82 %	18.3 %	n/a
Gross NPA	3.53 %	n/a	n/a
Net NPA	0.86 %	3.1 %	n/a
CASA Ratio	30.54 %	19.5 %	100.0 %
CASA vs Liabilities	27.66 %	13.59 %	41.31 %
Credit Deposit Ratio	75.49 %	96.08 %	0.01 %
Cost To Income Ratio	84.42 %	76.8 %	25.9 %
Fresh Slippages - Quarterly	28.41 Crs	49.08 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	12.79 %	26.9 %	75.2 %
Tier 2 Capital	0.96 %	1.6 %	4.45 %
Tier I Capital	11.83 %	25.3 %	70.05 %
NBFC
Cost of Borrowing	5.54 %	7.8 %	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	1.07	0.73	3.12
P/E	28.13	6.87	22.98
Shareholdings
Promoter Holding	0.0	22.44 %	75.0 %
Share Pledged by Promoters	0.0	22.39 %	0.0
Change in Promoter Holding (3 Yrs)	0.0	-5.57 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.0	-5.45 %	-4.5 %

Business

	Dhanlaxmi Bank	Suryoday Small Finan	Fino Payments Bank
Loan Break-Up	Loan Break-Up Gold 31.24 Corporate 24.44 Retail 23.22 SME 14.21 Agricultural 6.9 Financial Intermediary Group 0 Retail Assets 0 Microfinance 0	Loan Break-Up Corporate 0 Retail Assets 27.5 Financial Intermediary Group 11.3 Gold 0 SME 0 Microfinance 61.2 Retail 0 Agricultural 0	-
Segment Break-Up	Segment Break-Up Consumer Finance 57.38 Corporate Banking 26.33 Treasury Operations 15.72 Retail Banks 0 Corporate & Wholesale Banking 0 Others 0.57	Segment Break-Up Retail Banks 0 Corporate & Wholesale Banking 0 Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Others 100	Segment Break-Up Retail Banks 22.84 Corporate & Wholesale Banking 0 Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Others 77.16
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 North India 0 West India 0 East India 0 India 0 South India 0 Others 100	Location Wise Break-Up North India 0 West India 0 East India 0 India 100.0 South India 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 47.45 Treasury 28.25 Corporate/Wholesale Banking 0 Others 24.3	Operating Profit Break-Up Corporate/Wholesale Banking 0 Retail Banking 0 Treasury 0 Others 100	Operating Profit Break-Up Corporate/Wholesale Banking 0 Retail Banking 0 Treasury 29.35 Others 70.65
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 Priority Sector 0 Services 5.29 Personal loans 48.04 Industrial & Commercial 0 Personal Loan 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.

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