Dhanlaxmi Bank Ltd.

Financial

	Dhanlaxmi Bank	Ujjivan Small Fin	IDFC First Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.22 %	9.4 %	6.36 %
Yield On Advances	9.59 %	19.3 %	n/a
Gross NPA	4.05 %	2.1 %	1.88 %
Net NPA	1.25 %	0.3 %	0.6 %
CASA Ratio	30.66 %	26.49 %	47.2 %
CASA vs Liabilities	27.45 %	20.62 %	31.97 %
Credit Deposit Ratio	70.69 %	85.45 %	98.6 %
Cost To Income Ratio	88.66 %	56.0 %	72.89 %
Fresh Slippages - Quarterly	28.41 Crs	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	12.71 %	24.69 %	16.11 %
Tier 2 Capital	1.35 %	2.11 %	2.75 %
Tier I Capital	11.36 %	22.58 %	13.36 %
NBFC
Cost of Borrowing	5.38 %	7.2 %	6.27 %
Financials
5 yr Average ROE	5.67 %	9.46 %	-2.79 %
5yr average Equity Multiplier	15.31	7.2	9.25
5yr Average Asset Turnover Ratio	0.08	0.15	0.11
5yr Avg Net Profit Margin	3.65 %	6.34 %	-3.6 %
5yr Avg Net Profit Margin	3.65 %	6.34 %	-3.6 %
5yr CAGR Net Profit	33.43 %	40.74 %	n/a
5yr CAGR Sales	2.27 %	18.47 %	15.81 %
5 yr CAGR PPOP	5.35 %	36.88 %	n/a
Price to Book	1.04	1.52	1.73
P/E	18.43	6.64	18.99
Shareholdings
Promoter Holding	0.0	73.52 %	37.43 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-9.8 %	-2.55 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.54 %	-0.19 %

Business

	Dhanlaxmi Bank	Ujjivan Small Fin	IDFC First Bank
Loan Break-Up	Loan Break-Up Gold 27.31 Corporate 25.39 Retail 22.68 SME 16.41 Agricultural 8.21 Individual 0 Group Loans 0 FIG 0 Two Wheeler Loans 0 Staff Loans 0 Personal Loans 0 Advances against deposits 0 Agriculture Loans 0 Institutional Lending 0 MSE 0 Secured Housing 0 Micro Banking 0 Commercial Finance 0 Wheels 0 Digital, Gold Loan and Others 0 Rural Micro Finance 0 MSME Loans 0 Consumer Loans 0 Mortgage Loans 0 Infrastructure 0 Financial Institutional Group 0 Large Corporates 0 Emerging Large Corporates 0 Credit Cards 0	Loan Break-Up Retail 0 Microfinance 54.0 Infrastructure 0 Agriculture Loans 0 Advances against deposits 0 Commercial Finance 0 Personal Loans 0 MSE 5.0 Group Loans 0 Agricultural 0 Institutional Lending 0 Two Wheeler Loans 0 Large Corporates 0 Gold 0 Digital, Gold Loan and Others 0 Wheels 0 Consumer Loans 0 MSME Loans 0 Corporate 0 FIG 0 Financial Institutional Group 0 Mortgage Loans 0 SME 0 Individual 16.0 Emerging Large Corporates 0 Rural Micro Finance 0 Credit Cards 0 Staff Loans 0 Secured Housing 17.0 Others 8.0	Loan Break-Up Retail 0 Micro Banking 0 Infrastructure 1.0 Agriculture Loans 0 Advances against deposits 0 Commercial Finance 3.0 Personal Loans 0 MSE 0 Group Loans 0 Agricultural 0 Institutional Lending 0 Two Wheeler Loans 0 Large Corporates 0 Gold 0 Digital, Gold Loan and Others 1.0 Wheels 10.0 Consumer Finance 3.0 Small & Medium Enterprises (SME) loans 5.0 Corporate 0 FIG 0 Financial Services 8.0 Loan Against Property 28.5 SME 0 Individual 0 Emerging Large Corporates 6.0 Rural Finance 10.0 Credit Cards 3.0 Staff Loans 0 Secured Housing 0 Others 21.5
Segment Break-Up	Segment Break-Up Consumer Finance 57.53 Corporate Banking 21.18 Treasury Operations 19.41 Wholesale Banking 0 Corporate/Wholesale Banking 0 Others 1.88	Segment Break-Up Corporate Banking 2.1 Corporate/Wholesale Banking 0 Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Others 97.9	Segment Break-Up Wholesale Banking 0 Corporate Banking 11.47 Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Others 88.53
Location Wise Break-Up	Location Wise Break-Up India 100.0 West India 0 East India 0 South India 0 North India 0 Rest of the World 0	Location Wise Break-Up India 0 Rest of the World 0 North India 27.0 East India 26.0 West India 17.0 South India 30.0	Location Wise Break-Up India 100.0 Rest of the World 0 North India 0 East India 0 West India 0 South India 0
Operating Profit Break-Up	Operating Profit Break-Up Treasury 44.9 Corporate/Wholesale Banking 0 Retail Banking 0 Wholesale Banking 0 Others 55.1	Operating Profit Break-Up Retail Banking 88.14 Wholesale Banking 4.04 Corporate/Wholesale Banking 0 Treasury 7.82	-
Borrowings Break-Up	Borrowings Break-Up Lower Tier II bonds 30.46 Upper Tier II bonds 0 Reserve Bank of India 0 RBI 0 Non-Convertible Redeemable Debenture 0 Other Banks 0 Borrowings outside India 0 Others 69.54	Borrowings Break-Up Upper Tier II bonds 0 Non-Convertible Redeemable Debenture 0 Borrowings outside India 0 Lower Tier II bonds 0 Other banks - India 5.68 RBI 9.46 Reserve Bank of India 0 Others 84.86	Borrowings Break-Up Upper Tier II bonds 0 Non-Convertible Redeemable Debenture 0 Borrowings outside India 0.73 Lower Tier II bonds 0 Other Banks 0 RBI 0 Reserve Bank of India 0 Others 99.27
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 50.26 Non Priority Sector 49.74 Non-Priority sector 0 Priority sector 0 Non Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 0 Priority Sector 73.85 Non Priority Sector 26.15	Priority vs Non-Priority Sector Non Priority Sector 68.83 Priority Sector 31.17 Priority sector 0 Non-Priority sector 0
Asset Break-Up	Asset Break-Up Treasury 0 Retail Banking 0 Wholesale Banking 0 Others 100	Asset Break-Up Consumer Finance 64.99 Corporate Banking 4.24 Treasury Operations 30.21 Others 0.56	-
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 0 Agriculture and Allied activities 0 Personal Loans - Others 0 Vehicle Loans 0 Housing 0 Infrastructure- Transport 0 Infrastructure- Energy 0	NPA Break-Up Infrastructure- Energy 0 Infrastructure- Transport 0 Housing 0 Agricultural 0 Services 6.77 Advances to industries 5.4 Personal Loans - Others 0 Vehicle Loans 0 Agricultural 19.35 Personal Loan 0 Priority Sector 0 Personal Loan 68.48 Industrial & Commercial 0	NPA Break-Up Infrastructure- Energy 0 Infrastructure 24.99 Housing 5.92 Agricultural 0 Services 20.98 0 Personal Loan 24.16 Auto loans 6.99 Agriculture and Allied activities 0 Personal Loan 0 Priority Sector 0 Personal loans 0 Industrial & Commercial 0 Others 16.96

Dhanlaxmi Bank Ltd.

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