ESAF Small Finance Bank Ltd.

Financial

	ESAF Small Finance	Suryoday Small Finan	Capital Small Fin.
Operational Metrics
Banking Sector
Net Interest Margin	8.6 %	8.4 %	4.3 %
Gross NPA	6.9 %	n/a	2.67 %
CASA Ratio	24.9 %	19.5 %	39.1 %
CASA vs Liabilities	n/a	13.59 %	32.19 %
Credit Deposit Ratio	n/a	96.08 %	80.2 %
Net NPA	2.9 %	3.1 %	1.35 %
Capital to Risks Assets Ratio (CRAR)	22.7 %	26.9 %	25.8 %
Cost To Income Ratio	75.9 %	76.8 %	62.1 %
Tier I Capital	18.7 %	25.3 %	22.8 %
Yield On Advances	19.6 %	18.3 %	11.4 %
Tier 2 Capital	4.0 %	1.6 %	4.59 %
NBFC
Cost of Borrowing	7.7 %	7.8 %	6.0 %
AUM - NBFC	19216.0 Crs	n/a	n/a
Financials
5 yr Average ROE	14.31 %	4.84 %	11.83 %
5yr average Equity Multiplier	10.53	5.55	12.39
5yr Average Asset Turnover Ratio	0.15	0.14	0.09
5yr Avg Net Profit Margin	8.09 %	4.68 %	9.62 %
5yr Avg Net Profit Margin	8.09 %	4.68 %	9.62 %
5yr CAGR Net Profit	17.45 %	14.25 %	34.46 %
5yr CAGR Sales	22.47 %	16.18 %	11.47 %
5 yr CAGR PPOP	29.06 %	8.22 %	24.28 %
Price to Book	0.67	0.73	1.06
P/E	0.0	6.87	11.02
Shareholdings
Promoter Holding	63.31 %	22.44 %	18.77 %
Share Pledged by Promoters	0.0	22.39 %	0.0
Change in Promoter Holding (3 Yrs)	-0.08 %	-5.57 %	-0.08 %
Change in Mutual Fund Holding (3 Yrs)	0.0	-5.45 %	-1.22 %

Business

	ESAF Small Finance	Suryoday Small Finan	Capital Small Fin.
Segment Break-Up	Segment Break-Up Consumer Finance 81.59 Treasury Operations 11.99 Corporate Banking 3.64 Other Banking Business 0 Corporate/Wholesale Banking 0 Retail Banking 0 Others 2.78	Segment Break-Up Retail Banking 0 Treasury Operations 0 Other Banking Business 0 Corporate Banking 0 Consumer Finance 0 Corporate/Wholesale Banking 0 Others 100	Segment Break-Up Retail Banking 73.35 Treasury Operations 0 Other Banking Business 3.13 Corporate Banking 0 Consumer Finance 0 Corporate/Wholesale Banking 7.59 Others 15.93
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 South India 0 East India 0 West India 0 India 0 North India 0 Others 100	-
Operating Profit Break-Up	Operating Profit Break-Up Wholesale banking 13.63 Treasury 10.28 Retail banking 0 Other Banking Business 0 Corporate/Wholesale Banking 0 Retail Banking 0 Others 76.09	Operating Profit Break-Up Retail Banking 0 Other Banking Business 0 Treasury 0 Wholesale banking 0 Corporate/Wholesale Banking 0 Retail banking 100.0	Operating Profit Break-Up Retail Banking 81.49 Other Banking Business 11.81 Treasury 4.55 Wholesale banking 0 Corporate/Wholesale Banking 2.15 Retail banking 0
AUM Break-Up	AUM Break-Up Micro loans 56.65 Retail loans 6.34 Financial instution 5.67 Agri loans 5.24 MSME 2.22 Others 23.88	-	-
Borrowings Break-Up	Borrowings Break-Up Other institutions & agencies 65.15 RBI 20.17 Subordinated Debt 13.19 Perpetual Deb 1.49 Other bank 0	-	-
NPA Break-Up	NPA Break-Up Animal husbandry 26.52 Other agricultural loan 22.8 Trade 15.44 Services 11.33 Micro manufacturin 9.28 Personal 6.25 Poultry 2.48 Fisheries 2.43 Education 0.6 Consumer durables 0.48 Housing 0.31 Agri-farm Mechanization 0.3 Agriculture-land Development 0.15 Crop loans 0.01 Personal loans 0 0 Agriculture and allied activities 0 Advances to NBFCs 0 Personal Loan 0 Advances to Traders 0 Iron/Steel and Metal Industry 0 Textile Industry 0 Agriculture 0 Others 1.62	NPA Break-Up Advances to NBFCs 0 Fisheries 0 Iron/Steel and Metal Industry 0 Education 0 Other agricultural loan 0 Advances to industries sector eligible as priority sector lending 1.21 Personal 0 Agriculture 0 Textile Industry 0 Trade 0 Micro manufacturin 0 Consumer durables 0 Services 5.29 Agriculture-land Development 0 Personal Loan 0 Agri-farm Mechanization 0 Housing 0 Advances to Traders 0 Crop loans 0 Personal loans 48.04 Poultry 0 Animal husbandry 0 Agriculture and allied activities 45.46	NPA Break-Up Advances to NBFCs 0.78 Fisheries 0 Iron/Steel and Metal Industry 0 Education 0 Other agricultural loan 0 0 Personal 0 Agriculture 42.7 Textile Industry 0.91 Trade 0 Micro manufacturin 0 Consumer durables 0 Services 0 Agriculture-land Development 0 Personal Loan 0 Agri-farm Mechanization 0 Housing 0 Advances to Traders 16.86 Crop loans 0 Personal loans 0 Poultry 0 Animal husbandry 0 Agriculture and allied activities 0 Others 38.75
NPA Break-Up	NPA Break-Up Animal husbandry 26.52 Other agricultural loan 22.8 Trade 15.44 Services 11.33 Micro manufacturin 9.28 Personal 6.25 Poultry 2.48 Fisheries 2.43 Education 0.6 Consumer durables 0.48 Housing 0.31 Agri-farm Mechanization 0.3 Agriculture-land Development 0.15 Crop loans 0.01 Personal loans 0 0 Agriculture and allied activities 0 Advances to NBFCs 0 Personal Loan 0 Advances to Traders 0 Iron/Steel and Metal Industry 0 Textile Industry 0 Agriculture 0 Others 1.62	NPA Break-Up Advances to NBFCs 0 Fisheries 0 Iron/Steel and Metal Industry 0 Education 0 Other agricultural loan 0 Advances to industries sector eligible as priority sector lending 1.21 Personal 0 Agriculture 0 Textile Industry 0 Trade 0 Micro manufacturin 0 Consumer durables 0 Services 5.29 Agriculture-land Development 0 Personal Loan 0 Agri-farm Mechanization 0 Housing 0 Advances to Traders 0 Crop loans 0 Personal loans 48.04 Poultry 0 Animal husbandry 0 Agriculture and allied activities 45.46	NPA Break-Up Advances to NBFCs 0.78 Fisheries 0 Iron/Steel and Metal Industry 0 Education 0 Other agricultural loan 0 0 Personal 0 Agriculture 42.7 Textile Industry 0.91 Trade 0 Micro manufacturin 0 Consumer durables 0 Services 0 Agriculture-land Development 0 Personal Loan 0 Agri-farm Mechanization 0 Housing 0 Advances to Traders 16.86 Crop loans 0 Personal loans 0 Poultry 0 Animal husbandry 0 Agriculture and allied activities 0 Others 38.75
Asset Break-Up	Asset Break-Up Retail banking 64.23 Treasury 29.81 Wholesale banking 4.67 Others 1.29	Asset Break-Up Wholesale banking 0 Retail banking 62.15 Treasury 27.85 Others 10.0	-

ESAF Small Finance Bank Ltd.

ESAF Small Finance Bank Ltd.

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