RBL Bank Ltd.

Financial

	RBL Bank	Jana Small Fin. Bank	Karur Vysya Bank
Operational Metrics
Banking Sector
Net Interest Margin	5.45 %	9.0 %	4.19 %
Yield On Advances	14.12 %	18.09 %	10.08 %
Gross NPA	2.65 %	2.0 %	1.4 %
Net NPA	0.74 %	0.5 %	0.4 %
CASA Ratio	35.2 %	20.0 %	30.0 %
CASA vs Liabilities	26.31 %	13.8 %	25.32 %
Credit Deposit Ratio	81.17 %	n/a	82.67 %
Cost To Income Ratio	64.2 %	57.35 %	51.62 %
Fresh Slippages - Quarterly	680.0 Crs	n/a	201.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.18 %	20.3 %	16.67 %
Tier 2 Capital	1.8 %	1.34 %	1.21 %
Tier I Capital	14.38 %	19.0 %	15.46 %
NBFC
Cost of Borrowing	6.51 %	7.8 %	5.41 %
Financials
5 yr Average ROE	5.59 %	12.11 %	7.03 %
5yr average Equity Multiplier	8.81	14.18	10.58
5yr Average Asset Turnover Ratio	0.1	0.15	0.09
5yr Avg Net Profit Margin	5.37 %	5.14 %	7.4 %
5yr Avg Net Profit Margin	5.37 %	5.14 %	7.4 %
5yr CAGR Net Profit	1.4 %	85.93 %	39.3 %
5yr CAGR Sales	9.26 %	14.07 %	2.52 %
5 yr CAGR PPOP	2.96 %	33.58 %	7.67 %
Price to Book	1.06	1.97	1.64
P/E	12.43	10.52	10.27
Shareholdings
Promoter Holding	0.0	22.54 %	2.2 %
Share Pledged by Promoters	0.0	0.0	6.7 %
Change in Promoter Holding (3 Yrs)	0.0	0.0	0.07 %
Change in Mutual Fund Holding (3 Yrs)	1.74 %	0.0	11.58 %

Business

	RBL Bank	Jana Small Fin. Bank	Karur Vysya Bank
Segment Break-Up	Segment Break-Up Consumer Finance 49.08 Treasury Operations 28.88 Corporate Banking 20.77 Retail Banking Operations 0 Corporate/Wholesale Banking Operations 0 Treasury Operations 0 Others 1.27	Segment Break-Up Retail Banking Operations 0 Corporate/Wholesale Banking Operations 0 Treasury Operations 0 Consumer Finance 0 Corporate Banking 0 Others 100	Segment Break-Up Consumer Finance 65.57 Corporate Banking 18.13 Treasury Operations 15.33 Consumer Finance 0 Corporate Banking 0 Others 0.97
Product Wise Break-Up	Product Wise Break-Up Interest/ discount on advances/ bills 63.57 Income on investments 12.18 Interest on balances with Reserve Bank of India and other inter-bank funds 1.38 Others 22.87	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	-	Location Wise Break-Up Rest of the World 0 India 100.0
Borrowings Break-Up	Borrowings Break-Up Refinance 51.0 FCY 42.0 Tier Ii 7.0 LAF 0 CBLO/LTRO 0 Inter-Bank 0 0 0	-	Borrowings Break-Up Refinance 0 CBLO/LTRO 0 FCY 0 Inter-Bank 0 Borrowings in India - Subordinated debt Tier II Capital 34.01 0 Tier Ii 0 LAF 0 Others 65.99
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Treasury 36.31 Retail Banking 34.45 Corporate/Wholesale Banking 27.57 Others 1.67	-	Asset Break-Up - Segment Wise Corporate/Wholesale Banking 0 Retail Banking 0 Treasury 0 Others 100
Profit Before Tax	Profit Before Tax Retail Banking 52.05 Corporate/Wholesale Banking 16.88 Treasury 11.21 Others 19.86	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 75.32 Priority Sector 24.68 Personal loan & Housing loans 0 Services 0 Industry Sector 0 Agricultural and Allied Activities 0 Non-Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 0 Agricultural and Allied Activities 23.35 Non Priority Sector 0 Non-Priority Sector 0 Personal loan & Housing loans 51.74 Services 16.92 Industry Sector 8.0	Priority vs Non-Priority Sector Priority Sector 42.01 Agricultural and Allied Activities 0 Non Priority Sector 0 Non Priority Sector 57.99 Personal loan & Housing loans 0 Services 0 Industry Sector 0
NPA Break-Up	NPA Break-Up Advances to Industries 36.36 Services 29.3 Personal Loans 18.53 Agriculture 15.8 Individual and micro business loans 0 Agricultural and allied loans 0 Group loans 0 Term loans to NBFCs 0 Two-wheeler loans 0 Loans against fixed deposits 0 Gold loans 0 Micro LAP 0 Affordable housing loans 0 MSME loans 0 Others 0.01	NPA Break-Up Two-wheeler loans 1.56 Agriculture 0 Advances to Industries 0 Group loans 3.17 Micro LAP 18.13 Term loans to NBFCs 6.51 Loans against fixed deposits 1.45 Services 0 Gold loans 1.27 MSME loans 14.63 Individual and micro business loans 22.48 Personal Loans 0 Affordable housing loans 13.86 Agricultural and allied loans 16.93 Others 0.01	-
Deposit Break-Up	Deposit Break-Up Term Deposits 64.8 Current Deposits 17.8 Savings Deposits 17.4	-	-

RBL Bank Ltd.

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