 

rie

are

 

 

ere rete} ae zs Highest
OI oli siomelal Clea te CNC ali Bite a eames ee
for deposits in a = fers Ss
forme uy Rae CTS Ge eee) eee) (°), tenure (in
Pt a
cal IF Peet) ped
Equitas SFB 785 677 584 214 37.0 416 75, 2-3yr
Ujiivan SFB 768 734 492 146 346 50.8 65, 1-2yr
JanaSFB | 969 769 NA 74 NA NA 75, 2-3yr
ESAF SFB 1073 853 95.07 13.66 8141 493 | 7.0,1-1.5yr.

 

 

 

 

 

 

 

 

 

Fincare SFB 100.8 78.0 77.00 11.90 65.10 23.00 7.50, 3-3.5yr
Suryoday SFB 80.7 69.2 54.44 11.45 43.00 45.56 7.50, 5yr
Capital SFB 134.4 913 NA 36.31% NA NA 6.65, 2.5yr
Bandhan Bank _ 85.7 777 78.4 36.8 416 21.6 6.0, 1.5-3 yr

 

 

 

 

Notes: 1) NA - Not available. 2) Retail deposits includes CASA and retail term deposits. Bulk deposits include institutional deposits. 3) CASA ratio
is calculated based on overall deposits excluding certificates of deposits (CoD), 4) “Interest rate for banks is as on 16” Sept 2020 for TD below
Rs. 2 crores

Source: Company reports, CRISIL Research

Suryoday SFB has the third highest deposit growth rate

Suryoday SFB, Jana and Fincare recorded the fastest on-year deposit growth of 79%, 130% and 138%, respectively, in
Fiscal 2020, followed by ESAF and Ujjivan SFB.

Suryoday and Ujjivan SEB are well capitalized compared to peers

As of end-Fiscal 2020, Suryoday and Ujjivan SFB had a total capital adequacy ratio of 29.57% and 28.80%, respectively,
compared with Capital SFB’s 17.47% and Jana SFB’s 19.30%.

Suryoday SEB has the third highest proportion of retail term deposits in total deposits

Suryoday SFB has the third highest proportion of retail term deposits to total deposits at 43% among its peers.

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