Equitas Small Finance Bank Ltd.

Financial

	Equitas Small Fin.	Yes Bank	Tamilnad Mercantile
Operational Metrics
Banking Sector
Fresh Slippages - Quarterly	385.38 Crs	1205.0 Crs	55.44 Crs
Cost To Income Ratio	65.75 %	74.3 %	41.42 %
CASA vs Liabilities	25.05 %	20.03 %	21.98 %
Net Interest Margin	7.97 %	2.4 %	4.12 %
Gross NPA	2.67 %	1.7 %	1.44 %
Net NPA	0.81 %	0.5 %	0.65 %
CASA Ratio	31.0 %	30.8 %	28.0 %
Capital to Risks Assets Ratio (CRAR)	20.55 %	18.3 %	29.21 %
Credit Deposit Ratio	85.08 %	86.6 %	82.4 %
NBFC
Cost of Borrowing	7.46 %	6.5 %	5.79 %
AUM - NBFC	34871.0 Crs	n/a	n/a
Unclassified
Yield On Advances	16.45 %	10.2 %	10.22 %
Tier 2 Capital	0.96 %	4.7 %	1.47 %
Tier I Capital	19.59 %	13.6 %	27.74 %
Financials
5 yr Average ROE	11.25 %	-14.4 %	14.53 %
5yr average Equity Multiplier	7.01	9.59	9.43
5yr Average Asset Turnover Ratio	0.15	0.09	0.09
5yr Avg Net Profit Margin	10.11 %	-9.38 %	16.69 %
5yr Avg Net Profit Margin	10.11 %	-9.38 %	16.69 %
5yr CAGR Net Profit	26.81 %	n/a	21.33 %
5yr CAGR Sales	16.51 %	-2.81 %	6.59 %
5 yr CAGR PPOP	18.18 %	-22.03 %	8.29 %
Price to Book	1.57	1.58	0.92
P/E	14.81	49.59	6.93
Shareholdings
Promoter Holding	0.0	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-81.75 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	30.34 %	-0.54 %	0.18 %

Business

	Equitas Small Fin.	Yes Bank	Tamilnad Mercantile
Loan Break-Up	Loan Break-Up Small & Medium Enterprises (SME) loans 39.42 Auto Loans 24.3 Small & Medium Enterprises (SME) loans 17.13 Housing Finance 12.45 Small & Medium Enterprises (SME) loans 3.54 NBFC Finance 1.84 Corporate Loans 0 Investment Banking 0 Retail Banking 0 Small and Micro Enterprise 0 Medium Enterprise 0 Corporate Banking 0 Others 1.32	Loan Break-Up Investment Banking 0 Corporate Loans 0 NBFC Finance 0 Medium Enterprise 14.95 Small & Medium Enterprises (SME) loans 0 Consumer Finance 44.34 Corporate Banking 24.54 Auto Loans 0 Housing Finance 0 Small and Micro Enterprise 16.18	Loan Break-Up Investment Banking 0 Corporate Loans 0 NBFC Finance 0 Medium Enterprise 0 Small & Medium Enterprises (SME) loans 0 Retail Banking 0 Corporate Banking 0 Auto Loans 0 Housing Finance 0 Small and Micro Enterprise 0 Others 100
Segment Break-Up	Segment Break-Up Consumer Finance 85.53 Treasury Operations 11.99 Banking 1.59 Corporate Banking 0.9	Segment Break-Up Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Banking 0 Others 100	-
Location Wise Break-Up	Location Wise Break-Up Domestic 100.0 International 0 India 0	Location Wise Break-Up Domestic 0 International 0 India 100.0	Location Wise Break-Up Domestic 0 International 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Treasury 60.59 Other Banking Business 35.8 Corporate/Wholesale Banking 0.06 Retail Banking 0 Corporate / Wholesale Banking 0 Others 3.55	Operating Profit Break-Up Corporate / Wholesale Banking 54.05 Other Banking Business 0 Retail Banking 0 Corporate/Wholesale Banking 0 Treasury 45.95	Operating Profit Break-Up Corporate / Wholesale Banking 8.88 Other Banking Business 0 Retail Banking 60.68 Corporate/Wholesale Banking 0 Treasury 30.44
Capex	Capex Retail Banking 94.84 Corporate/Wholesale Banking 5.16 Other Banking Business 0 Treasury 0	-	-
Borrowings Break-Up	Borrowings Break-Up Other Institutions & Agencies 100.0 0 0 Other banks 0 Reserve Bank of India 0 Borrowings outside India 0 Tier II Borrowings 0 IPDI 0	Borrowings Break-Up Other banks 5.41 Borrowings outside India 15.24 IPDI 0 0 0 Reserve Bank of India 2.06 Tier II Borrowings 17.44 Other Institutions & Agencies 0 Others 59.85	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 68.23 Non Priority Sector 31.77 Non Priority sector 0	Priority vs Non-Priority Sector Priority Sector 0 Non Priority Sector 0 Non Priority Sector 57.88 Others 42.12	-
NPA Break-Up	NPA Break-Up Housing 23.59 Agricultural 23.19 Micro, Small and Medium Enterprises 0 Corporate 0 MSME 0 Retail 0 Others 53.22	NPA Break-Up Housing 0 Retail 47.0 Agricultural 0 Corporate 24.81 Micro, Small and Medium Enterprises 0 MSME Sector 14.62 Others 13.57	NPA Break-Up Housing 0 Retail 5.1 Agricultural 0 Corporate 0 Micro, Small and Medium Enterprises 0 MSME 40.48 Others 54.42
Asset Break-Up	Asset Break-Up Retail Banking 71.29 Treasury 26.58 Corporate/Wholesale Banking 1.52 Other Banking Business 0 India 0 Others 0.61	Asset Break-Up Other Banking Business 0 Retail Banking 31.02 Corporate/Wholesale Banking 0 India 0 Treasury 39.47 Others 29.51	Asset Break-Up Other Banking Business 0 Retail Banking 0 Corporate/Wholesale Banking 0 India 100.0 Treasury 0

Equitas Small Finance Bank Ltd.

Equitas Small Finance Bank Ltd.

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