Jana Small Finance Bank Ltd.

Financial

	Jana Small Fin. Bank	Ujjivan Small Fin	Suryoday Small Finan
Operational Metrics
Banking Sector
Gross NPA	2.71 %	2.7 %	n/a
Net Interest Margin	7.6 %	8.6 %	8.4 %
Net NPA	0.91 %	0.6 %	3.1 %
CASA Ratio	18.43 %	25.11 %	19.5 %
CASA vs Liabilities	13.8 %	19.14 %	13.59 %
Tier 2 Capital	1.0 %	1.8 %	1.6 %
Capital to Risks Assets Ratio (CRAR)	18.4 %	23.9 %	26.9 %
Yield On Advances	18.09 %	18.2 %	18.3 %
NBFC
Cost To Income Ratio	63.8 %	64.0 %	76.8 %
Tier I Capital	17.8 %	22.1 %	25.3 %
Cost of Borrowing	8.03 %	7.6 %	7.8 %
AUM - NBFC	19085.0 Crs	n/a	n/a
Financials
5 yr Average ROE	12.11 %	13.2 %	4.84 %
5yr average Equity Multiplier	14.18	7.13	5.55
5yr Average Asset Turnover Ratio	0.15	0.15	0.14
5yr Avg Net Profit Margin	5.14 %	8.35 %	4.68 %
5yr Avg Net Profit Margin	5.14 %	8.35 %	4.68 %
5yr CAGR Net Profit	85.93 %	29.64 %	14.25 %
5yr CAGR Sales	14.07 %	16.39 %	16.18 %
5 yr CAGR PPOP	33.58 %	24.64 %	8.22 %
Price to Book	1.38	1.45	0.73
P/E	7.64	8.79	6.87
Shareholdings
Promoter Holding	22.28 %	0.0	22.44 %
Share Pledged by Promoters	0.0	0.0	22.39 %
Change in Promoter Holding (3 Yrs)	-0.26 %	-83.32 %	-5.57 %
Change in Mutual Fund Holding (3 Yrs)	2.86 %	4.73 %	-5.45 %

Business

	Jana Small Fin. Bank	Ujjivan Small Fin	Suryoday Small Finan
Segment Break-Up	Segment Break-Up Retail Banking 79.77 Treasury 15.15 Corporate Banking 3.95 Wholesale Banking 0 Others 1.13	Segment Break-Up Consumer Finance 85.0 Corporate Banking 0 Treasury Operations 12.1 Corporate Banking 2.9	Segment Break-Up Retail Banking 0 Corporate Banking 0 Treasury 9.71 Wholesale Banking 0 Others 90.29
Loan Break-Up	Loan Break-Up Unsecured working capital 31.8 Affordable 19.94 Micro LAP 3 19.35 MSME loans 13.92 Term loans 5.87 Loans against fixed deposits 3.98 Two-wheeler 3.03 Gold loans 2.13 Group loans 0 Agricultural and allied loans 0 Individual and micro business loans 0 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 Financial Intermediary Group 0 Retail Assets 0 Microfinance 0	Loan Break-Up Group loans 0 Agricultural Loan 2.0 Micro LAP 3 0 Individual and micro business loans 0 Microfinance 0 Advances against deposits 0 Micro Banking 0 Institutional Lending 0 Term loans 0 Unsecured working capital 0 MSE 6.0 MSME loans 0 Group Loans 45.0 FIG 7.0 Loans against fixed deposits 0 Two Wheeler Loans 0 Retail Assets 0 Staff Loans 0 Affordable 0 Individual 15.0 Financial Intermediary Group 0 Two-wheeler 0 Gold loans 0 Secured Housing 21.0 Personal Loans 0 Agricultural and allied loans 0 Others 4.0	Loan Break-Up Group loans 0 Agriculture Loans 0 Micro LAP 3 0 Individual and micro business loans 0 Microfinance 61.2 Advances against deposits 0 Micro Banking 0 Institutional Lending 0 Term loans 0 Unsecured working capital 0 MSE 0 MSME loans 0 Group Loans 0 FIG 0 Loans against fixed deposits 0 Two Wheeler Loans 0 Retail Assets 27.5 Staff Loans 0 Affordable 0 Individual 0 Financial Intermediary Group 11.3 Two-wheeler 0 Gold loans 0 Secured Housing 0 Personal Loans 0 Agricultural and allied loans 0
Location Wise Break-Up	Location Wise Break-Up India 100.0 West India 0 East India 0 South India 0 North India 0	Location Wise Break-Up India 0 West India 18.0 South India 31.0 East India 24.0 North India 27.0	Location Wise Break-Up India 0 West India 0 South India 0 East India 0 North India 0 Others 100
Interest Earned	Interest Earned Micro Housing 13.4 Term loans to NBFC 4.36 2 wheeler loans 1.66 Others 80.58	-	-
Operating Profit Break-Up	Operating Profit Break-Up Treasury 57.62 Retail Banking 21.08 Corporate/Wholesale Banking 0 Wholesale Banking 0 Others 21.3	Operating Profit Break-Up Retail Banking 76.7 Treasury 8.37 Wholesale Banking 14.86 Corporate/Wholesale Banking 0 Others 0.07	Operating Profit Break-Up Retail Banking 0 Treasury 0 Wholesale Banking 0 Corporate/Wholesale Banking 0 Others 100
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 65.35 Treasury 21.92 Corporate/Wholesale Banking 11.56 Others 1.17	-	-
NPA Break-Up	NPA Break-Up Individual and micro business loans 22.48 Micro LAP 18.13 Agricultural and allied loans 16.93 MSME loans 14.63 Affordable housing loans 13.86 Term loans to NBFCs 6.51 Group loans 3.17 Two-wheeler loans 1.56 Loans against fixed deposits 1.45 Gold loans 1.27 Personal loans 0 Services 0 0 Agriculture and Allied activities 0 0 Agriculture and allied activities 0 Others 0.01	NPA Break-Up Personal Loan 28.08 Group loans 0 Services 7.68 Agricultural 22.28 Affordable housing loans 0 Two-wheeler loans 0 Term loans to NBFCs 0 Agriculture and allied activities 0 MSME loans 0 Individual and micro business loans 0 Micro LAP 0 Gold loans 0 0 Advances to industries 41.96 Loans against fixed deposits 0 Agricultural and allied loans 0	NPA Break-Up Personal loans 48.04 Group loans 0 Services 5.29 Agriculture and Allied activities 0 Affordable housing loans 0 Two-wheeler loans 0 Term loans to NBFCs 0 Agriculture and allied activities 45.46 MSME loans 0 Individual and micro business loans 0 Micro LAP 0 Gold loans 0 Advances to industries sector eligible as priority sector lending 1.21 0 Loans against fixed deposits 0 Agricultural and allied loans 0
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Personal loan & Housing loans 51.74 Agricultural and Allied Activities 23.35 Services 16.92 Industry Sector 8.0 Non-Priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Services 0 Agricultural and Allied Activities 0 Personal loan & Housing loans 0 Priority Sector 77.86 Non Priority Sector 22.14 Industry Sector 0	-

Jana Small Finance Bank Ltd.

Jana Small Finance Bank Ltd.

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