Suryoday Small Finance Bank Ltd. benchmarking: Performance to industry peers

Financial

	Suryoday Small Finan	Dhanlaxmi Bank	Fino Payments Bank
Operational Metrics
Banks
Net Interest Margin	7.9 %	3.98 %	3.77 %
Fresh Slippages - Quarterly	185.94 Crs	46.22 Crs	n/a
CASA Ratio	22.6 %	28.86 %	100.0 %
CASA vs Liabilities	15.91 %	25.33 %	41.31 %
Credit Deposit Ratio	92.03 %	81.15 %	0.01 %
Net NPA	4.2 %	0.51 %	n/a
NBFC
Cost of Borrowing	7.5 %	5.62 %	n/a
Cost To Income Ratio	73.7 %	55.66 %	38.8 %
Gross NPA	6.5 %	n/a	n/a
Unclassified
Tier 2 Capital	0.9 %	2.81 %	4.45 %
Capital to Risks Assets Ratio (CRAR)	20.5 %	18.92 %	77.2 %
Yield On Advances	17.3 %	10.17 %	n/a
Tier I Capital	19.6 %	16.11 %	70.05 %
Financials
5 yr Average ROE	4.71 %	5.93 %	13.9 %
5yr average Equity Multiplier	6.16	14.92	5.12
5yr Average Asset Turnover Ratio	0.12	0.08	0.55
5yr Avg Net Profit Margin	3.54 %	3.98 %	4.59 %
Price to Book	0.67	0.86	1.29
P/E	20.32	12.37	19.86
5yr Avg Cash Conversion Cycle	0.0	n/a	n/a
Inventory Days	0.0	n/a	n/a
Days Receivable	0.0	n/a	n/a
Days Payable	0.0	n/a	n/a
5yr Average Interest Coverage Ratio	0.0	n/a	n/a
5yr Avg ROCE	0.25 %	n/a	n/a
5yr Avg Operating Profit Margin	-6.18 %	n/a	n/a
5 yr average Debt to Equity	1.45	n/a	n/a
5yr CAGR Net Profit	57.5 %	n/a	n/a
5yr Average Return on Assets	0.46 %	n/a	n/a
Shareholdings
Promoter Holding	22.48 %	0.0	75.0 %
Share Pledged by Promoters	22.35 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.82 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	-2.98 %	0.0	-4.51 %

Business

	Suryoday Small Finan	Dhanlaxmi Bank	Fino Payments Bank
Loan Break-Up	Loan Break-Up Microfinance 61.2 Retail Assets 27.5 Financial Intermediary Group 11.3 Retail 0 Gold 0 SME 0 Agri & Micro 0 Corporate 0	Loan Break-Up Agricultural 3.09 Microfinance 0 Retail Assets 0 SME 14.35 Gold 34.1 Financial Intermediary Group 0 Corporate 24.74 Retail 23.72	-
Segment Break-Up	Segment Break-Up Treasury 10.24 Corporate/ Wholesale Banking 0 Retail Banking 0 Retail Banks 0 Corporate & Wholesale Banking 0 Others 89.76	Segment Break-Up Retail Banks 0 Consumer Finance 66.51 Corporate Banking 18.19 Corporate & Wholesale Banking 0 Treasury Operations 13.48 Others 1.82	Segment Break-Up Retail Banks 31.54 Retail Banking 0 Corporate/ Wholesale Banking 0 Corporate & Wholesale Banking 0 Treasury 15.07 Others 53.39
Product Wise Break-Up	Product Wise Break-Up JLG & VL 45.0 CV 14.0 FIG 11.0 HL 7.0 SBL 0 BC Banking 0 Remittance 0 AEPS 0 MATM 0 CMS 0 CASA 0 Others 23.0	-	Product Wise Break-Up CV 0 BC Banking 9.0 FIG 0 MATM 0 CMS 8.0 CASA 40.0 Remittance 0 JLG & VL 0 SBL 0 HL 0 AEPS 0 Others 43.0
Location Wise Break-Up	Location Wise Break-Up East India 0 West India 0 North India 0 South India 0 India 0 Others 100	Location Wise Break-Up West India 0 East India 0 South India 0 North India 0 India 100.0	Location Wise Break-Up West India 0 East India 0 South India 0 North India 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Treasury 20.51 Corporate/Wholesale Banking 0 Retail Banking 0 Others 79.49	Operating Profit Break-Up Treasury 27.48 Corporate/Wholesale Banking 13.89 Retail Banking 46.78 Others 11.85	Operating Profit Break-Up Treasury 37.6 Corporate/Wholesale Banking 0 Retail Banking 0 Others 62.4
Asset Break-Up	Asset Break-Up Others 100	Asset Break-Up Others 100	Asset Break-Up Others 100
Deposit Break-Up	Deposit Break-Up Maharashtra 44.0 Tamil Nadu 18.0 Delhi 8.0 Karnataka 7.0 Gujarat 5.0 Odisha 4.0 Madhya Pradesh 0 Others 14.0	-	-
Priority vs Non Priority Sector	Priority vs Non Priority Sector Priority Sector 68.59 Non Priority Sector 31.41	-	-
NPA Break-Up	NPA Break-Up Agriculture and allied activities 55.69 Personal loans 24.67 Services 19.31 Advances to industries sector eligible as priority sector lending 0.33 Personal loans (Other than above) 0 Industry 0	NPA Break-Up Personal Loan 20.17 Services 39.29 Industrial & Commercial 1.21 Personal loans 0 Agricultural 3.12 Priority Sector 36.22	-

Suryoday Small Finance Bank Ltd.

Suryoday Small Finance Bank Ltd.

Financial

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