ESAF Small Finance Bank Ltd.

Financial

	ESAF Small Finance	Suryoday Small Finan	Capital Small Fin.
Operational Metrics
Banking Sector
Net Interest Margin	6.0 %	7.2 %	4.1 %
Gross NPA	7.5 %	n/a	2.75 %
CASA Ratio	24.8 %	17.7 %	35.9 %
CASA vs Liabilities	n/a	12.47 %	29.43 %
Credit Deposit Ratio	n/a	93.01 %	80.9 %
Net NPA	3.8 %	5.6 %	1.39 %
Capital to Risks Assets Ratio (CRAR)	22.7 %	24.6 %	24.5 %
Cost To Income Ratio	78.2 %	69.4 %	60.6 %
Tier I Capital	18.4 %	23.5 %	22.8 %
Yield On Advances	16.2 %	16.8 %	11.1 %
Tier 2 Capital	4.3 %	1.1 %	4.59 %
NBFC
Cost of Borrowing	7.3 %	7.9 %	6.0 %
AUM - NBFC	19809.0 Crs	n/a	n/a
Financials
5 yr Average ROE	5.76 %	3.79 %	12.38 %
5yr average Equity Multiplier	11.57	6.16	11.28
5yr Average Asset Turnover Ratio	0.15	0.14	0.09
5yr Avg Net Profit Margin	3.22 %	3.14 %	11.26 %
5yr Avg Net Profit Margin	3.22 %	3.14 %	11.26 %
5yr CAGR Net Profit	n/a	57.5 %	26.41 %
5yr CAGR Sales	19.61 %	20.56 %	12.28 %
5 yr CAGR PPOP	5.97 %	19.72 %	21.0 %
Price to Book	0.79	0.73	0.95
P/E	0.0	17.78	9.77
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	-4.56 %	-1.59 %

Business

	ESAF Small Finance	Suryoday Small Finan	Capital Small Fin.
Segment Break-Up	Segment Break-Up Consumer Finance 79.77 Treasury Operations 13.44 Corporate Banking 2.95 Other Banking Business 0 Corporate/Wholesale Banking 0 Retail Banking 0 Others 3.84	Segment Break-Up Retail Banking 0 Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Other Banking Business 0 Corporate/Wholesale Banking 0 Others 100	Segment Break-Up Retail Banking 71.56 Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Other Banking Business 3.2 Corporate/Wholesale Banking 8.82 Others 16.42
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 North India 0 East India 0 South India 0 India 0 West India 0 Others 100	-
Operating Profit Break-Up	Operating Profit Break-Up Treasury 77.28 Wholesale banking 22.72 Retail banking 0 Other Banking Business 0 Corporate/Wholesale Banking 0 Retail Banking 0	Operating Profit Break-Up Retail Banking 0 Retail banking 61.8 Treasury 38.2 Wholesale banking 0 Other Banking Business 0 Corporate/Wholesale Banking 0	Operating Profit Break-Up Retail Banking 78.39 Retail banking 0 Treasury 6.9 Wholesale banking 0 Other Banking Business 14.71 Corporate/Wholesale Banking 0
AUM Break-Up	AUM Break-Up Micro loans 45.91 Retail loans 8.07 Agri loans 5.1 Financial instution 4.7 MSME 2.52 Others 33.7	-	-
Borrowings Break-Up	Borrowings Break-Up Other institutions & agencies 72.4 Subordinated Debt 24.19 Perpetual Deb 3.41 Other bank 0 RBI 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 Traders 0 Education 0 Trade 0 Services 19.31 Agriculture and allied activities 55.69 Animal husbandry 0 Personal 0 Poultry 0 Agri-farm Mechanization 0 Personal Loan 0 Crop loans 0 Consumer durables 0 Housing 0 Advances to industries sector eligible as priority sector lending 0.33 Advances to NBFCs 0 Micro manufacturin 0 Agriculture-land Development 0 Textile Industry 0 Other agricultural loan 0 Fisheries 0 Iron/Steel and Metal Industry 0 Personal loans 24.67 Agriculture 0	NPA Break-Up Advances to Traders 12.21 Education 0 Trade 0 Services 0 Agriculture and allied activities 0 Animal husbandry 0 Personal 0 Poultry 0 Agri-farm Mechanization 0 Personal Loan 0.7 Crop loans 0 Consumer durables 0 Housing 0 0 Advances to NBFCs 3.13 Micro manufacturin 0 Agriculture-land Development 0 Textile Industry 3.83 Other agricultural loan 0 Fisheries 0 Iron/Steel and Metal Industry 0.04 Personal loans 0 Agriculture 48.26 Others 31.83
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 Traders 0 Education 0 Trade 0 Services 19.31 Agriculture and allied activities 55.69 Animal husbandry 0 Personal 0 Poultry 0 Agri-farm Mechanization 0 Personal Loan 0 Crop loans 0 Consumer durables 0 Housing 0 Advances to industries sector eligible as priority sector lending 0.33 Advances to NBFCs 0 Micro manufacturin 0 Agriculture-land Development 0 Textile Industry 0 Other agricultural loan 0 Fisheries 0 Iron/Steel and Metal Industry 0 Personal loans 24.67 Agriculture 0	NPA Break-Up Advances to Traders 12.21 Education 0 Trade 0 Services 0 Agriculture and allied activities 0 Animal husbandry 0 Personal 0 Poultry 0 Agri-farm Mechanization 0 Personal Loan 0.7 Crop loans 0 Consumer durables 0 Housing 0 0 Advances to NBFCs 3.13 Micro manufacturin 0 Agriculture-land Development 0 Textile Industry 3.83 Other agricultural loan 0 Fisheries 0 Iron/Steel and Metal Industry 0.04 Personal loans 0 Agriculture 48.26 Others 31.83
Asset Break-Up	Asset Break-Up Retail banking 64.59 Treasury 29.2 Wholesale banking 3.8 Others 2.41	Asset Break-Up Wholesale banking 0 Treasury 29.56 Retail banking 58.22 Others 12.22	-

ESAF Small Finance Bank Ltd.

ESAF Small Finance Bank Ltd.

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