Dhanlaxmi Bank Ltd.

Financial

	Dhanlaxmi Bank	Suryoday Small Finan	Fino Payments Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.39 %	7.2 %	3.77 %
Yield On Advances	9.93 %	16.8 %	n/a
Gross NPA	3.22 %	n/a	n/a
Net NPA	1.13 %	5.6 %	n/a
CASA Ratio	28.21 %	17.7 %	100.0 %
CASA vs Liabilities	25.0 %	12.47 %	41.31 %
Credit Deposit Ratio	75.33 %	93.01 %	0.01 %
Cost To Income Ratio	81.35 %	69.4 %	28.1 %
Fresh Slippages - Quarterly	28.41 Crs	185.94 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	18.26 %	24.6 %	75.8 %
Tier 2 Capital	2.79 %	1.1 %	4.45 %
Tier I Capital	15.47 %	23.5 %	70.05 %
NBFC
Cost of Borrowing	5.72 %	7.9 %	n/a
Financials
5 yr Average ROE	5.93 %	3.79 %	13.9 %
5yr average Equity Multiplier	14.92	6.16	5.12
5yr Average Asset Turnover Ratio	0.08	0.14	0.55
5yr Avg Net Profit Margin	3.98 %	3.14 %	4.59 %
5yr Avg Net Profit Margin	3.98 %	3.14 %	4.59 %
5yr CAGR Net Profit	12.37 %	57.5 %	35.22 %
5yr CAGR Sales	7.18 %	20.56 %	18.48 %
5 yr CAGR PPOP	2.07 %	19.72 %	34.63 %
Price to Book	0.74	0.72	3.06
P/E	11.93	17.69	26.56
Shareholdings
Promoter Holding	0.0	22.44 %	75.0 %
Share Pledged by Promoters	0.0	22.39 %	0.0
Change in Promoter Holding (3 Yrs)	0.0	-5.57 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.0	-4.56 %	-4.72 %

Business

	Dhanlaxmi Bank	Suryoday Small Finan	Fino Payments Bank
Segment Break-Up	Segment Break-Up Consumer Finance 53.7 Corporate Banking 26.85 Treasury Operations 18.76 Retail Banks 0 Corporate & Wholesale Banking 0 Others 0.69	Segment Break-Up Corporate Banking 0 Retail Banks 0 Corporate & Wholesale Banking 0 Consumer Finance 0 Treasury Operations 0 Others 100	Segment Break-Up Corporate Banking 0 Retail Banks 26.39 Corporate & Wholesale Banking 0 Consumer Finance 0 Treasury Operations 0 Others 73.61
Loan Break-Up	Loan Break-Up Gold 32.36 Corporate 26.19 Retail 22.07 SME 13.95 Agricultural 5.42 Financial Intermediary Group 0 Retail Assets 0 Microfinance 0 Others 0.01	Loan Break-Up Financial Intermediary Group 11.3 Agricultural 0 Corporate 0 Retail Assets 27.5 Microfinance 61.2 Gold 0 Retail 0 SME 0	-
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 North India 0 India 0 Others 100	Location Wise Break-Up South India 0 East India 0 West India 0 North India 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Treasury 49.03 Retail Banking 42.93 Corporate/Wholesale Banking 0 Others 8.04	Operating Profit Break-Up Retail Banking 0 Corporate/Wholesale Banking 0 Treasury 38.2 Others 61.8	Operating Profit Break-Up Retail Banking 0 Corporate/Wholesale Banking 0 Treasury 38.03 Others 61.97
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 100.0 Lower Tier II bonds 0 Upper Tier II bonds 0	-	-
Asset Break-Up	Asset Break-Up Others 100	Asset Break-Up Others 100	Asset Break-Up Others 100
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 51.49 Priority Sector 48.51	-	-
NPA Break-Up	NPA Break-Up Services 39.29 Priority Sector 36.22 Personal Loan 20.17 Agricultural 3.12 Industrial & Commercial 1.21 Personal loans 0	NPA Break-Up Services 19.31 Industrial & Commercial 0 Personal loans 24.67 Priority Sector 0 Agricultural 0 Personal Loan 0 Others 56.02	-

Dhanlaxmi Bank Ltd.

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