RBL Bank Ltd.

Financial

	RBL Bank	City Union Bank	J&K Bank
Operational Metrics
Banking Sector
Net Interest Margin	4.5 %	3.54 %	3.72 %
Yield On Advances	12.5 %	9.81 %	9.35 %
Gross NPA	2.78 %	2.99 %	3.5 %
Net NPA	0.45 %	1.2 %	0.82 %
CASA Ratio	32.5 %	27.31 %	45.71 %
CASA vs Liabilities	24.62 %	25.63 %	39.75 %
Credit Deposit Ratio	83.76 %	82.0 %	68.15 %
Cost To Income Ratio	72.4 %	48.12 %	60.78 %
Fresh Slippages - Quarterly	1060.0 Crs	196.3 Crs	273.7 Crs
Capital to Risks Assets Ratio (CRAR)	15.59 %	23.1 %	15.98 %
Tier 2 Capital	1.54 %	1.01 %	2.3 %
Tier I Capital	14.05 %	22.09 %	13.68 %
NBFC
Cost of Borrowing	6.55 %	4.96 %	4.83 %
Financials
5 yr Average ROE	4.96 %	12.32 %	5.65 %
5yr average Equity Multiplier	8.54	8.8	15.68
5yr Average Asset Turnover Ratio	0.11	0.08	0.07
5yr Avg Net Profit Margin	4.77 %	15.69 %	4.73 %
5yr Avg Net Profit Margin	4.77 %	15.69 %	4.73 %
5yr CAGR Net Profit	20.29 %	13.64 %	n/a
5yr CAGR Sales	7.64 %	6.9 %	6.12 %
5 yr CAGR PPOP	2.91 %	2.72 %	9.02 %
Price to Book	1.01	1.67	0.77
P/E	27.21	13.59	5.22
Shareholdings
Promoter Holding	0.0	0.0	59.4 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-8.63 %
Change in Mutual Fund Holding (3 Yrs)	22.47 %	-2.25 %	3.49 %

Business

	RBL Bank	City Union Bank	J&K Bank
Segment Break-Up	Segment Break-Up Consumer Finance 47.13 Treasury Operations 31.53 Corporate Banking 20.76 RETAIL BANKING 0 CORPORATE /WHOLESALE BANKING 0 TREASURY 0 Treasury Operations 0 Others 0.58	Segment Break-Up Treasury Operations 0 Corporate Banking 20.25 Consumer Finance 0 Corporate Banking 0 Treasury Operations 17.6 Consumer Finance 59.0 Others 3.15	Segment Break-Up Treasury Operations 20.07 CORPORATE /WHOLESALE BANKING 0 Consumer Finance 0 Corporate Banking 0 TREASURY 0 RETAIL BANKING 0 Others 79.93
Product Wise Break-Up	Product Wise Break-Up Interest/ discount on advances/ bills 61.44 Income on investments 12.14 Interest on balances with Reserve Bank of India and other inter-bank funds 1.51 Others 24.91	-	-
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	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 Reserve Bank of India 0 Unsecured Redeemable Debentures/Bonds 0	Borrowings Break-Up Unsecured Redeemable Debentures/Bonds 0 LAF 0 Tier Ii 0 Inter-Bank 0 Refinance 0 CBLO/LTRO 0 FCY 0 Reserve Bank of India 17.47 Others 82.53	Borrowings Break-Up UNSECURED REDEEMABLE BONDS 99.86 LAF 0 Tier Ii 0 Inter-Bank 0 Refinance 0 CBLO/LTRO 0 FCY 0 Reserve Bank of India 0 Others 0.14
Profit Before Tax	Profit Before Tax Treasury 69.17 Corporate/Wholesale Banking 30.83 Retail Banking 0	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 36.08 Treasury 33.67 Corporate/Wholesale Banking 28.66 Others 1.59	Asset Break-Up - Segment Wise Corporate/Wholesale Banking 0 Treasury 0 Retail Banking 0 Others 100	Asset Break-Up - Segment Wise Corporate/Wholesale Banking 20.67 Treasury 0 Retail Banking 47.5 Others 31.83
Deposit Break-Up	Deposit Break-Up Term Deposits 67.52 Savings Deposits 16.77 Current Deposits 15.71	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 73.91 Priority Sector 26.09 Non Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 58.96 Non Priority Sector 41.04	Priority vs Non-Priority Sector Priority Sector 37.2 Non Priority Sector 62.8
NPA Break-Up	NPA Break-Up Advances to Industries 31.53 Services 29.76 Agriculture 22.18 Personal Loans 16.53 Industry 0 Agrriculture and allied Activities 0 0 Agriculture & Allied Activities 0	NPA Break-Up 0 Industrial & Commercial 37.26 Agricultural 10.74 Personal Loan 12.05 Advances to Industries 0 Agriculture 0 Services 39.95 Agriculture & Allied Activities 0	NPA Break-Up Priority Sector 6.31 Industrial & Commercial 22.91 Agrriculture and allied Activities 0 Personal Loan 7.55 Advances to Industries 0 Agriculture 0 Services 48.17 Agricultural 10.78 Others 4.28

RBL Bank Ltd.

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