Content

• Other Bank (India) — Fy26 Sector Intelligence (Small Finance Banks + Payments Bank Transition)
• A. Industry Overview & Market Landscape
• A1) What This Sector Is (As Represented In The Dataset)
• A2) Macro/System Growth Context Explicitly Stated
• A3) Market Structure And Segmentation (As Reflected In Company Disclosures)
• A4) Geographic Distribution And Regional Dynamics (From Disclosed Branch/Portfolio Maps)
• A5) Market Maturity / Lifecycle Stage
• B. Financial & Economic Profile
• B1) Growth And Profitability Archetypes In Fy26
• B2) Nim Levels—Range, Drivers, And Dispersion
• B3) Cost Structures And Efficiency Bands
• B4) Credit Cost Regime And Asset Quality Dispersion
• C. Competitive Structure & Dynamics
• C1) Competitive Intensity: Deposits Are The Battleground
• C2) Product Competition: Shift To Secured And “Granular” Risk
• C3) Market Shares Explicitly Disclosed
• C4) Porter'S 5 Forces (Sector-Specific Interpretation Using Disclosed Themes)
• D. Operational Characteristics
• D1) Distribution Footprints And Expansion
• D2) Digitization, Ai, Automation—What’S Actually Deployed
• E. Growth Dynamics & Drivers
• E1) Credit Growth Engines: Secured Scaling + Controlled Unsecured
• E2) Deposit Growth And Casa Programs
• E3) Key Product Growth “Hotspots” Disclosed
• F. Risk Landscape
• F1) Sector-Wide Systematic Risks Explicitly Cited
• F2) Idiosyncratic High-Risk Situations
• F3) Regulatory/Structural Risks And Transitions
• G. Capital Allocation & Investor Returns
• G1) Capital Adequacy And Buffers
• G2) Dividend And Shareholder Returns
• G3) Investment In Technology And Operating Leverage
• H. Future Outlook & Projections
• H1) Sector Direction (Fy27)
• H2) Key Transformation Themes And Potential Inflection Points
• I. Company-By-Company Profiles (Exhaustive)
• 1) Au Small Finance Bank (Aubank) — Q4fy26 / Fy26
• Business Description And Positioning
• Scale And Growth (Balance Sheet, Mar’26)
• Profitability And P&L (Fy26 And Q4fy26)
• Margins And Drivers
• Deposits And Liability Mix
• Loan Mix, Yields, And Segment Asset Quality (Q4fy26)
• Asset Quality And Provisioning
• Technology/Operations Footprint
• Universal Bank Transition And Leadership
• Cards, Pl, Microfinance
• 2) Ujjivan Small Finance Bank (Ujjivansfb) — Q4fy26 / Fy26
• Scale And Balance Sheet (Mar’26)
• Fy26 Performance
• Q4fy26
• Other Income Detail (Q4 / Fy26)
• Deposits And Funding
• Loan Book And Mix
• Asset Quality And Collections
• Universal Bank Conversion Update
• Fy27 Guidance
• 3) Equitas Small Finance Bank (Equitasbnk) — Q4fy26 / Fy26
• Scale (Mar’26)
• Fy26 Performance
• Q4fy26 Performance (Notable Inflection Quarter)
• Deposits
• Advances Mix (Mar’26)
• Asset Quality And Provisioning Detail
• Fy27 Guidance
• 4) Jana Small Finance Bank (Jana) — Q4fy26 / Fy26
• Scale (Mar’26)
• Fy26 Performance
• Q4fy26 Performance
• Deposits
• Loan Book And Mix
• Asset Quality
• Fy27 Guidance
• 5) Utkarsh Small Finance Bank (Utkarshbnk) — Q4fy26 / Fy26
• Scale (Mar’26)
• Fy26 Performance (Stressed)
• Q4fy26
• Deposits
• Loan Portfolio And Mix
• Asset Quality / Credit Cost
• Strategy And Guidance
• 6) Suryoday Small Finance Bank (Suryoday) — Q4fy26 / Fy26
• Scale (Mar’26)
• Fy26 Profitability
• Q4fy26
• Asset Quality And Cgfmu
• Fy27 Guidance
• 7) Esaf Small Finance Bank (Esafsfb) — Q4fy26 / Fy26
• Scale (Mar’26)
• Fy26 Performance
• Q4fy26
• Strategy And Guidance
• 8) Capital Small Finance Bank (Capitalsfb) — Q4fy26 / Fy26
• Scale (Mar’26)
• Profitability
• Asset Quality And Credit Costs
• Positioning
• Fy27 Guidance
• 9) Fino Payments Bank (Finopb) — Q4fy26 / Fy26 (Payments Bank; Sfb Conversion Planned)
• Business Model
• Scale And Operations
• Financials
• Revenue Mix (Fy26)
• Sfb Conversion Plan
• Risk/Derisking
• Cross-Company Comparative Deep Dives (Selected Themes)
• 1) Funding And Liquidity Comparison (Deposits, Casa, Lcr, Cd)
• 2) Asset Quality Stratification (Gnpa Levels)
• 3) Cost And Operating Leverage
• Sector Conclusions (What Fy26 Reveals)