Capital
§20 — capital adequacy and the growth it can support.
Tijori has CRAR for 40 of 41 banks but Tier-1 for only 8, and no CET1 or RWA at all. CET1 is available for HDFC, ICICI, Axis and Kotak from Buoyant's internal model only.
CRAR
18.9%
median, listed lenders
Loan growth
17.7%
median, listed lenders
ROE
12.4%
median, listed lenders
Gross NPA
1.9%
median, listed lenders
P/B
1.07x
median, listed lenders
Book value growth
11.3%
median, listed lenders
display
| # | Bank | Category | ||||||
|---|---|---|---|---|---|---|---|---|
| 1 | Fino Payments Bank | Payments Bank | 82.6% | 142.9% | 16.2% | — | — | 2.64x |
| 2 | RBL Bank | Mid/Small Private | 33.3% | 23.3% | 5.0% | 5.8% | 1.3% | 1.08x |
| 3 | Tamilnad Mercantile | Mid/Small Private | 32.3% | 20.8% | 12.2% | 14.1% | 0.7% | 0.91x |
| 4 | IDBI Bank | ex-PSU | 26.9% | 16.1% | 11.3% | 14.3% | 2.3% | 1.09x |
| 5 | ESAF Small Finance | SFB | 23.9% | 19.8% | -8.4% | -9.9% | 5.4% | 0.58x |
| 6 | Kotak Mahindra Bank | Large Private | 22.8% | 16.4% | -77.0% | 11.3% | 1.2% | 1.94x |
| 7 | City Union Bank | Mid/Small Private | 21.7% | 26.5% | 11.3% | 13.9% | 1.7% | 1.69x |
| 8 | Capital Small Fin. | SFB | 21.6% | 20.9% | 8.5% | 10.5% | 2.5% | 0.69x |
| 9 | Karnataka Bank | Mid/Small Private | 21.1% | 6.9% | 9.3% | 10.2% | 2.6% | 0.67x |
| 10 | Ujjivan Small Fin | SFB | 20.4% | 26.7% | 12.0% | 11.1% | 2.2% | 1.46x |
| 11 | Jana Small Fin. Bank | SFB | 20.2% | 24.6% | 8.3% | 8.1% | 2.2% | 0.85x |
| 12 | Suryoday Small Fin. | SFB | 20.0% | — | — | 8.2% | 6.5% | — |
| 13 | CSB Bank | Mid/Small Private | 20.0% | 26.5% | 8.8% | 14.1% | 1.8% | 1.26x |
| 14 | South Indian Bank | Mid/Small Private | 19.6% | 15.8% | 12.9% | 13.6% | 1.4% | 0.79x |
| 15 | HDFC Bank | Large Private | 19.6% | 12.0% | -44.2% | 13.7% | 1.2% | 1.94x |
| 16 | Equitas Small Fin. | SFB | 19.4% | 18.1% | 0.9% | 1.8% | 2.4% | 0.97x |
| 17 | Indian Overseas Bank | PSU | 19.4% | 24.9% | 14.8% | 16.0% | 1.3% | 1.80x |
| 18 | Dhanlaxmi Bank | Mid/Small Private | 19.2% | 24.7% | 5.7% | 7.6% | 1.8% | 0.60x |
| 19 | UCO Bank | PSU | 19.0% | 18.2% | 8.2% | 8.4% | 2.1% | 1.61x |
| 20 | AU Small Fin. Bank | SFB | 18.9% | 25.4% | 15.8% | 14.5% | 2.0% | 3.20x |
| 21 | Bank Of India | PSU | 18.7% | 17.0% | 11.4% | 12.1% | 1.8% | 0.76x |
| 22 | Bank of Maharashtra | PSU | 18.6% | 22.0% | 15.7% | 22.7% | 1.4% | 1.50x |
| 23 | Karur Vysya Bank | Mid/Small Private | 18.6% | 16.9% | -1.5% | 19.0% | 0.7% | 1.98x |
| 24 | Union Bank Of India | PSU | 18.5% | 10.5% | 17.3% | 14.9% | 2.6% | 1.00x |
| 25 | CentralBank of India | PSU | 18.3% | 19.3% | 5.7% | 12.4% | 2.6% | 0.81x |
| 26 | Bandhan Bank | Mid/Small Private | 18.2% | 13.7% | 3.9% | 5.0% | 3.1% | 0.90x |
| 27 | PNB | PSU | 18.1% | 14.0% | 12.6% | 12.8% | 2.8% | 0.83x |
| 28 | Punjab & Sind Bank | PSU | 17.6% | 19.1% | 5.8% | 9.8% | 2.2% | 1.12x |
| 29 | Indian Bank | PSU | 17.6% | 14.7% | 11.9% | 15.5% | 1.9% | 1.56x |
| 30 | Canara Bank | PSU | 17.2% | 16.3% | 11.7% | 15.8% | 1.6% | 1.01x |
| 31 | Indusind Bank | Large Private | 17.1% | -8.4% | 1.4% | 1.3% | 3.3% | 0.90x |
| 32 | DCB Bank | Mid/Small Private | 17.0% | 17.6% | 12.1% | 12.0% | 2.4% | 0.83x |
| 33 | Federal Bank | Mid/Small Private | 17.0% | 13.2% | 15.9% | 11.4% | 1.5% | 1.66x |
| 34 | ICICI Bank | Large Private | 16.8% | 15.8% | 15.0% | 15.7% | 1.4% | 2.42x |
| 35 | Axis Bank | Large Private | 16.7% | 18.6% | 14.5% | 13.3% | 1.3% | 1.69x |
| 36 | J&K Bank | Mid/Small Private | 16.7% | 17.7% | 16.1% | 15.1% | 2.4% | 0.81x |
| 37 | Bank Of Baroda | PSU | 16.3% | 16.4% | 13.2% | 12.7% | 2.0% | 0.77x |
| 38 | State Bank Of India | PSU | 15.7% | 17.1% | 18.3% | 14.9% | 1.5% | 1.61x |
| 39 | Yes Bank | Mid/Small Private | 15.1% | 11.1% | 6.9% | 7.2% | 1.3% | 1.06x |
| 40 | IDFC First Bank | Mid/Small Private | 15.1% | 20.3% | 5.7% | 3.7% | 1.5% | 1.07x |
| 41 | Utkarsh Small Fin. | SFB | — | -3.5% | -42.3% | -42.0% | — | 0.67x |
CRAR is the latest quarterly KPI observation. A bank growing loans well above its book-value growth with thin CRAR is capital constrained.