ey ey

 

1 RoA _ Profit after tax / average of total assets on book

2 RoE | Profit after tax / average net worth

[3 _NIM " (Interest income — interest paid) / average of total earning assets on book

| 4 Yield on advances | Interest earned on loans and advances / average of total advances on book
5 Cost to income "Operating expenses / (net interest income + other income)

6 Cost of funds | Interest paid / (average of deposits and borrowings)

| 7 Non-interest income | (Total income — interest income)/ average of total assets on book

| 8 | Credit cost | Provisions / average gross advances

9 Credit to Deposit Ratio | Advances/Deposit

 

SFBs and other players as of end-Fiscal 2020

Or cette

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Players CO rear taal ie

COL mae ery rien)
SFBs
AU SFB 308.9 42% 261.6 35% 1.03 647 | 17,112 | 22.00% 18.40% 12
Equitas SFB 146.1 27% 107.9 30% 1.27 854 16,104 | 23.61% | 22.44% 15
Ujjivan SFB 141.5 30% 107.8 46% 1.30 S75 | 17,841 | 28.80%  28.00%| 24
Jana SFB 112.9 4% 96.5 130% 1.03 S85 | 16,212 | 19.30% | 13.10%| 22
ESAF SFB 68.1 66% 70.2 63% 0.93 454 3,337 24.03% | 20.99% 18
Utkarsh SFB 66.6 60% 52.3 38% 1.20 S07 8,831 22.19% | 19.41% 17
Fincare SFB 53.4 60% 48.5 138% 0.99 711 7,363 29.29% | 23.46% 19
Suryoday SFB 374 64% 28.5 79% 1.24 477 4,695 29.57% | 28.61% 12
Capital SFB 33.0 34% 444 21% 0.74 150 1,646 19.11% | 14.00% s
Microfinance
Credit Access
Grameen 98.9 38% - - - 929 10,824 = 23.60% | 22.30% 9
‘Spandana 68.2 56% - * - 1,010 | 8,224 53.00% - 18
Universal banks
Bandhan Bank 718.5 60.5% 570.8 32% 1.17 | 4,559 | 39,750 | 27.43% | 25.19% 34

 

 

 

 

 

 

 

 

 

 

 

 

 

Notes: Players are brranged in descending order of AUM. * Banking outlets including benk branches, ultra-small branches and asset centres as
reported by the players. NA - not available. *As at the end of fiscal 2019

Source: Company reports, CRISIL Research

Suryoday SFB has the second highest 3-year AUM growth rate

Suryoday SFB and ESAF recorded the fastest three-year CAGR of 64% and 66%, respectively, in Fiscal 2020. They were
followed by Utkarsh and Fincare SFB.

Deposit details of SFBs and other players as of end-Fiscal 2020

121
