ESAF Small Finance Bank Ltd.

Financial

	ESAF Small Finance	Capital Small Fin.	Suryoday Small Finan
Operational Metrics
Banking Sector
Net Interest Margin	8.6 %	4.1 %	7.2 %
Gross NPA	6.9 %	2.75 %	n/a
CASA Ratio	24.8 %	35.9 %	17.7 %
CASA vs Liabilities	n/a	29.43 %	12.47 %
Credit Deposit Ratio	n/a	80.9 %	93.01 %
Net NPA	2.9 %	1.39 %	5.6 %
Capital to Risks Assets Ratio (CRAR)	21.8 %	24.5 %	24.6 %
Cost To Income Ratio	77.9 %	60.6 %	69.4 %
Tier I Capital	17.6 %	22.8 %	23.5 %
Yield On Advances	17.6 %	11.1 %	16.8 %
Tier 2 Capital	4.2 %	4.59 %	1.1 %
NBFC
Cost of Borrowing	7.5 %	6.0 %	7.9 %
AUM - NBFC	19643.0 Crs	n/a	n/a
Financials
5 yr Average ROE	14.31 %	12.38 %	4.84 %
5yr average Equity Multiplier	10.53	11.28	5.55
5yr Average Asset Turnover Ratio	0.15	0.09	0.14
5yr Avg Net Profit Margin	8.09 %	11.26 %	4.68 %
5yr Avg Net Profit Margin	8.09 %	11.26 %	4.68 %
5yr CAGR Net Profit	17.45 %	26.41 %	14.25 %
5yr CAGR Sales	22.47 %	12.28 %	16.18 %
5 yr CAGR PPOP	29.06 %	21.0 %	8.22 %
Price to Book	0.82	1.0	0.69
P/E	0.0	10.28	16.93
Shareholdings
Promoter Holding	63.31 %	18.77 %	22.44 %
Share Pledged by Promoters	0.0	0.0	22.39 %
Change in Promoter Holding (3 Yrs)	-0.08 %	-0.08 %	-5.57 %
Change in Mutual Fund Holding (3 Yrs)	0.0	-1.59 %	-4.56 %

Business

	ESAF Small Finance	Capital Small Fin.	Suryoday Small Finan
Segment Break-Up	Segment Break-Up Consumer Finance 78.68 Treasury Operations 14.31 Corporate Banking 3.37 Other Banking Business 0 Corporate/Wholesale Banking 0 Retail Banking 0 Others 3.64	Segment Break-Up Other Banking Business 3.2 Treasury Operations 0 Consumer Finance 0 Corporate Banking 0 Corporate/Wholesale Banking 8.82 Retail Banking 71.56 Others 16.42	Segment Break-Up Other Banking Business 0 Treasury Operations 0 Consumer Finance 0 Corporate Banking 0 Corporate/Wholesale Banking 0 Retail Banking 0 Others 100
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 West India 0 India 0 East India 0 North India 0 South India 0 Others 100
Operating Profit Break-Up	Operating Profit Break-Up Treasury 46.9 Wholesale banking 0 Retail banking 0 Other Banking Business 0 Corporate/Wholesale Banking 0 Retail Banking 0 Others 53.1	Operating Profit Break-Up Wholesale banking 0 Other Banking Business 14.71 Retail banking 0 Treasury 6.9 Corporate/Wholesale Banking 0 Retail Banking 78.39	Operating Profit Break-Up Wholesale banking 0 Other Banking Business 0 Retail banking 0 Treasury 100.0 Corporate/Wholesale Banking 0 Retail Banking 0
AUM Break-Up	AUM Break-Up Micro loans 49.41 Retail loans 8.14 Financial instution 5.25 Agri loans 5.18 MSME 2.84 Others 29.18	-	-
Borrowings Break-Up	Borrowings Break-Up Other institutions & agencies 65.15 RBI 20.17 Subordinated Debt 13.19 Perpetual Deb 1.49 Other bank 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 Advances to NBFCs 0 Personal Loan 0 Advances to Traders 0 Iron/Steel and Metal Industry 0 Textile Industry 0 Agriculture 0 Personal loans 0 0 Agriculture and allied activities 0 Others 1.62	NPA Break-Up Agri-farm Mechanization 0 Advances to NBFCs 3.13 Iron/Steel and Metal Industry 0.04 Other agricultural loan 0 Housing 0 Personal Loan 0.7 Personal 0 0 Fisheries 0 Education 0 Consumer durables 0 Agriculture and allied activities 0 Advances to Traders 12.21 Crop loans 0 Poultry 0 Textile Industry 3.83 Trade 0 Micro manufacturin 0 Animal husbandry 0 Agriculture 48.26 Services 0 Agriculture-land Development 0 Personal loans 0 Others 31.83	NPA Break-Up Agri-farm Mechanization 0 Advances to NBFCs 0 Iron/Steel and Metal Industry 0 Other agricultural loan 0 Housing 0 Personal Loan 0 Personal 0 Advances to industries sector eligible as priority sector lending 1.21 Fisheries 0 Education 0 Consumer durables 0 Agriculture and allied activities 45.46 Advances to Traders 0 Crop loans 0 Poultry 0 Textile Industry 0 Trade 0 Micro manufacturin 0 Animal husbandry 0 Agriculture 0 Services 5.29 Agriculture-land Development 0 Personal loans 48.04
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 Advances to NBFCs 0 Personal Loan 0 Advances to Traders 0 Iron/Steel and Metal Industry 0 Textile Industry 0 Agriculture 0 Personal loans 0 0 Agriculture and allied activities 0 Others 1.62	NPA Break-Up Agri-farm Mechanization 0 Advances to NBFCs 3.13 Iron/Steel and Metal Industry 0.04 Other agricultural loan 0 Housing 0 Personal Loan 0.7 Personal 0 0 Fisheries 0 Education 0 Consumer durables 0 Agriculture and allied activities 0 Advances to Traders 12.21 Crop loans 0 Poultry 0 Textile Industry 3.83 Trade 0 Micro manufacturin 0 Animal husbandry 0 Agriculture 48.26 Services 0 Agriculture-land Development 0 Personal loans 0 Others 31.83	NPA Break-Up Agri-farm Mechanization 0 Advances to NBFCs 0 Iron/Steel and Metal Industry 0 Other agricultural loan 0 Housing 0 Personal Loan 0 Personal 0 Advances to industries sector eligible as priority sector lending 1.21 Fisheries 0 Education 0 Consumer durables 0 Agriculture and allied activities 45.46 Advances to Traders 0 Crop loans 0 Poultry 0 Textile Industry 0 Trade 0 Micro manufacturin 0 Animal husbandry 0 Agriculture 0 Services 5.29 Agriculture-land Development 0 Personal loans 48.04
Asset Break-Up	Asset Break-Up Retail banking 64.22 Treasury 29.21 Wholesale banking 4.58 Others 1.99	-	Asset Break-Up Retail banking 57.66 Wholesale banking 0 Treasury 31.03 Others 11.31

ESAF Small Finance Bank Ltd.

ESAF Small Finance Bank Ltd.

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