Equitas Small Finance Bank Ltd.

Financial

	Equitas Small Fin.	Karnataka Bank	Tamilnad Mercantile
Operational Metrics
Banking Sector
Fresh Slippages - Quarterly	585.76 Crs	292.69 Crs	54.0 Crs
Cost To Income Ratio	68.3 %	60.09 %	46.31 %
CASA vs Liabilities	23.25 %	25.93 %	21.3 %
Net Interest Margin	7.39 %	3.02 %	4.0 %
Gross NPA	2.97 %	3.11 %	1.32 %
Net NPA	0.96 %	1.39 %	0.41 %
CASA Ratio	29.0 %	30.32 %	27.36 %
Capital to Risks Assets Ratio (CRAR)	20.29 %	17.64 %	29.35 %
Credit Deposit Ratio	86.86 %	77.77 %	86.62 %
NBFC
Cost of Borrowing	7.49 %	5.69 %	5.9 %
AUM - NBFC	37344.0 Crs	n/a	n/a
Unclassified
Yield On Advances	16.55 %	9.37 %	10.17 %
Tier 2 Capital	2.79 %	1.64 %	1.47 %
Tier I Capital	17.5 %	16.0 %	27.88 %
Financials
5 yr Average ROE	11.25 %	11.0 %	14.53 %
5yr average Equity Multiplier	7.01	12.5	9.43
5yr Average Asset Turnover Ratio	0.15	0.08	0.09
5yr Avg Net Profit Margin	10.11 %	9.39 %	16.69 %
5yr Avg Net Profit Margin	10.11 %	9.39 %	16.69 %
5yr CAGR Net Profit	26.81 %	24.79 %	21.33 %
5yr CAGR Sales	16.51 %	4.45 %	6.59 %
5 yr CAGR PPOP	18.18 %	5.48 %	8.29 %
Price to Book	1.31	0.64	0.83
P/E	24.86	5.74	6.11
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)	-74.59 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	23.09 %	8.31 %	0.0

Business

	Equitas Small Fin.	Karnataka Bank	Tamilnad Mercantile
Loan Break-Up	Loan Break-Up Small & Medium Enterprises (SME) loans 41.68 Auto Loans 24.8 Small & Medium Enterprises (SME) loans 14.38 Housing Finance 12.22 Small & Medium Enterprises (SME) loans 4.01 NBFC Finance 0 Corporate Loans 0 Personal Loans - Others 0 Infrastructure Loan 0 Commercial Real estate 0 Housing Loan 0 0 Trade and Business 0 Professional and self employed 0 Industry Others 0 Iron & Steel 0 Textiles 0 Automobiles 0 Agriculture and allied activities 0 Others 2.91	Loan Break-Up Housing Loan 0 Corporate Loans 0 NBFC Finance 0 Textiles 0 Housing Finance 0 Professional and self employed 0 Auto Loans 0 Trade and Business 0 Agricultural 13.83 Iron & Steel 0 0 Automobiles 0 Commercial Real estate 0 Others 10.01 Personal Loan 21.61 Infrastructure Loan 0 Small & Medium Enterprises (SME) loans 0 Others 54.55	Loan Break-Up Housing Loan 0 Corporate Loans 0 NBFC Finance 0 Textiles 0 Housing Finance 0 Professional and self employed 0 Auto Loans 0 Trade and Business 0 Agriculture and allied activities 0 Iron & Steel 0 0 Automobiles 0 Commercial Real estate 0 Industry Others 0 Personal Loans - Others 0 Infrastructure Loan 0 Small & Medium Enterprises (SME) loans 0 Others 100
Segment Break-Up	Segment Break-Up Consumer Finance 85.14 Treasury Operations 12.25 Corporate Banking 0.86 Other Banking Business 0 Others 1.75	Segment Break-Up Other Banking Business 0 Treasury Operations 0 Corporate Banking 0 Consumer Finance 0 Others 100	-
Location Wise Break-Up	Location Wise Break-Up Domestic 100.0 International 0 Rest of the World 0 India 0	Location Wise Break-Up Domestic 0 International 0 Rest of the World 0 India 100.0	Location Wise Break-Up Domestic 0 International 0 Rest of the World 0 India 100.0
Capex	Capex Retail Banking 94.84 Corporate/Wholesale Banking 5.16 Other Banking Business 0 Treasury 0	-	-
Operating Profit Break-Up	Operating Profit Break-Up Treasury 49.39 Other Banking Business 27.53 Retail Banking 18.38 Corporate/Wholesale Banking 4.7 Corporate / Wholesale Banking 0	Operating Profit Break-Up Retail Banking 34.92 Corporate/Wholesale Banking 0 Corporate / Wholesale Banking 23.58 Other Banking Business 0 Treasury 5.38 Others 36.12	Operating Profit Break-Up Retail Banking 73.34 Corporate/Wholesale Banking 0 Corporate / Wholesale Banking 10.25 Other Banking Business 0 Treasury 16.42
Borrowings Break-Up	Borrowings Break-Up Other Institutions & Agencies 100.0 0 0 Other banks 0 Reserve Bank of India 0 Subordinated Debts for Tier II Capital 0	Borrowings Break-Up Reserve Bank of India 45.43 0 0 Other banks 0 Subordinated Debt 6.82 Other Institutions & Agencies 0 Others 47.75	-
NPA Break-Up	NPA Break-Up Housing 23.59 Agricultural 23.19 Micro, Small and Medium Enterprises 0 Personal and Other Loans 0 Services 0 Industry 0 Agriculture and allied activities 0 Others 53.22	NPA Break-Up Personal Loan 14.84 Agricultural 0 Housing 0 Agricultural 24.19 Services 37.37 Industrial & Commercial 19.67 Micro, Small and Medium Enterprises 0 Others 3.93	NPA Break-Up Personal and Other Loans 0 Agricultural 0 Housing 0 Agriculture and allied activities 0 Services 0 Industry 0 Micro, Small and Medium Enterprises 0 Others 100
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 68.23 Non Priority Sector 31.77 Non Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 62.13 Priority Sector 37.87	-
Asset Break-Up	Asset Break-Up Retail Banking 73.43 Treasury 24.37 Corporate/Wholesale Banking 1.51 Other Banking Business 0 India 0 Others 0.69	-	Asset Break-Up Retail Banking 0 Corporate/Wholesale Banking 0 India 100.0 Other Banking Business 0 Treasury 0

Equitas Small Finance Bank Ltd.

Equitas Small Finance Bank Ltd.

SIGN UP FOR FREE