Equitas Small Finance Bank Ltd.

Financial

	Equitas Small Fin.	Karnataka Bank	Tamilnad Mercantile
Operational Metrics
Banking Sector
Fresh Slippages - Quarterly	295.31 Crs	254.92 Crs	22.04 Crs
Cost To Income Ratio	70.28 %	60.1 %	49.1 %
CASA vs Liabilities	23.66 %	27.51 %	21.35 %
Net Interest Margin	7.13 %	2.98 %	3.84 %
Gross NPA	2.89 %	3.08 %	1.22 %
Net NPA	0.98 %	1.31 %	0.33 %
CASA Ratio	29.0 %	31.75 %	26.78 %
Capital to Risks Assets Ratio (CRAR)	20.6 %	19.9 %	31.55 %
Credit Deposit Ratio	84.0 %	74.38 %	83.86 %
NBFC
Cost of Borrowing	7.54 %	5.83 %	6.02 %
AUM - NBFC	37986.0 Crs	n/a	n/a
Unclassified
Yield On Advances	16.3 %	9.43 %	10.02 %
Tier 2 Capital	2.76 %	1.5 %	1.56 %
Tier I Capital	17.84 %	18.4 %	29.99 %
Financials
5 yr Average ROE	11.25 %	11.0 %	15.18 %
5yr average Equity Multiplier	7.01	12.5	8.76
5yr Average Asset Turnover Ratio	0.15	0.08	0.09
5yr Avg Net Profit Margin	10.11 %	9.39 %	18.5 %
5yr Avg Net Profit Margin	10.11 %	9.39 %	18.5 %
5yr CAGR Net Profit	26.81 %	24.79 %	14.41 %
5yr CAGR Sales	16.51 %	4.45 %	7.62 %
5 yr CAGR PPOP	18.18 %	5.48 %	7.75 %
Price to Book	1.07	0.56	0.75
P/E	44.29	5.3	5.85
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)	-74.52 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	28.47 %	8.3 %	0.0

Business

	Equitas Small Fin.	Karnataka Bank	Tamilnad Mercantile
Loan Break-Up	Loan Break-Up Small & Medium Enterprises (SME) loans 43.13 Auto Loans 24.89 Housing Finance 12.55 Small & Medium Enterprises (SME) loans 11.92 Small & Medium Enterprises (SME) loans 4.45 NBFC Finance 1.38 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 1.68	Loan Break-Up Housing Loan 0 Textiles 0 Others 10.01 Small & Medium Enterprises (SME) loans 0 Trade and Business 0 Professional and self employed 0 Infrastructure Loan 0 0 Personal Loan 21.61 Automobiles 0 Commercial Real estate 0 Agricultural 13.83 Auto Loans 0 Corporate Loans 0 Housing Finance 0 Iron & Steel 0 NBFC Finance 0 Others 54.55	Loan Break-Up Housing Loan 0 Textiles 0 Industry Others 0 Small & Medium Enterprises (SME) loans 0 Trade and Business 0 Professional and self employed 0 Infrastructure Loan 0 0 Personal Loans - Others 0 Automobiles 0 Commercial Real estate 0 Agriculture and allied activities 0 Auto Loans 0 Corporate Loans 0 Housing Finance 0 Iron & Steel 0 NBFC Finance 0 Others 100
Segment Break-Up	Segment Break-Up Consumer Finance 85.19 Treasury Operations 11.99 Corporate Banking 0.85 Other Banking Business 0 Others 1.97	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Other Banking Business 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 International 0 Rest of the World 0 Domestic 0 India 100.0	Location Wise Break-Up International 0 Rest of the World 0 Domestic 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 69.0 Retail Banking 20.86 Other Banking Business 0 Corporate/Wholesale Banking 0 Corporate / Wholesale Banking 0 Others 10.14	Operating Profit Break-Up Corporate / Wholesale Banking 29.95 Other Banking Business 0 Treasury 13.62 Corporate/Wholesale Banking 0 Retail Banking 56.43	Operating Profit Break-Up Corporate / Wholesale Banking 9.95 Other Banking Business 0 Treasury 7.95 Corporate/Wholesale Banking 0 Retail Banking 82.1
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 Subordinated Debt 6.82 0 Other banks 0 0 Reserve Bank of India 45.43 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 Micro, Small and Medium Enterprises 0 Personal Loan 14.84 Agricultural 0 Industrial & Commercial 19.67 Agricultural 24.19 Services 37.37 Housing 0 Others 3.93	NPA Break-Up Micro, Small and Medium Enterprises 0 Personal and Other Loans 0 Agricultural 0 Industry 0 Agriculture and allied activities 0 Services 0 Housing 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 Priority Sector 37.87 Non Priority Sector 62.13	-
Asset Break-Up	Asset Break-Up Retail Banking 70.63 Treasury 27.25 Corporate/Wholesale Banking 1.47 Other Banking Business 0 India 0 Others 0.65	-	Asset Break-Up India 100.0 Other Banking Business 0 Treasury 0 Corporate/Wholesale Banking 0 Retail Banking 0

Equitas Small Finance Bank Ltd.

Equitas Small Finance Bank Ltd.

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