Bank Of India

Financial

	Bank Of India	UCO Bank	Bank of Maharashtra
Operational Metrics
Banking Sector
Net Interest Margin	2.8 %	3.17 %	3.98 %
Yield On Advances	8.55 %	8.7 %	9.27 %
Gross NPA	3.69 %	2.91 %	1.8 %
Net NPA	0.85 %	0.63 %	0.2 %
CASA Ratio	41.05 %	37.97 %	49.28 %
CASA vs Liabilities	32.89 %	30.69 %	41.7 %
Credit Deposit Ratio	81.97 %	72.74 %	80.63 %
Cost To Income Ratio	52.63 %	55.5 %	38.27 %
Fresh Slippages - Quarterly	1045.0 Crs	418.0 Crs	621.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.0 %	16.25 %	18.71 %
Tier 2 Capital	2.4 %	2.08 %	4.01 %
Tier I Capital	13.6 %	14.17 %	14.7 %
NBFC
Cost of Borrowing	4.81 %	4.75 %	4.27 %
Financials
5 yr Average ROE	4.75 %	5.37 %	12.95 %
5yr average Equity Multiplier	13.86	11.57	16.06
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	4.49 %	5.37 %	9.2 %
5yr Avg Net Profit Margin	4.49 %	5.37 %	9.2 %
5yr CAGR Net Profit	n/a	62.91 %	59.15 %
5yr CAGR Sales	6.38 %	7.05 %	12.31 %
5 yr CAGR PPOP	4.2 %	1.98 %	22.96 %
Price to Book	0.71	1.38	1.41
P/E	6.4	9.56	7.43
Shareholdings
Promoter Holding	73.38 %	90.95 %	79.6 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-8.03 %	-4.44 %	-11.37 %
Change in Mutual Fund Holding (3 Yrs)	3.76 %	0.04 %	0.81 %

Business

	Bank Of India	UCO Bank	Bank of Maharashtra
Segment Break-Up	Segment Break-Up Consumer Finance 38.3 Corporate Banking 34.06 Treasury Operations 27.53 Retail Banking 0 Corporate/Wholesale Banking 0 Treasury 0 Corporate/ Wholesale Banking 0 Others 0.11	Segment Break-Up Treasury Operations 28.27 Consumer Finance 0 Treasury Operations 0 Corporate/ Wholesale Banking 0 Corporate Banking 34.63 Consumer Finance 37.06 Corporate Banking 0 Others 0.04	Segment Break-Up Treasury Operations 20.88 Consumer Finance 0 Treasury Operations 0 Corporate Banking 32.56 Corporate/Wholesale Banking 0 Consumer Finance 46.14 Corporate Banking 0 Others 0.42
Loan Break-Up	Loan Break-Up Real Estate 30.57 NBFC 26.47 Infrastructure 24.04 Metals 7.7 Chemicals 3.38 Textiles 2.6 Construction 1.79 Rubber and plastics 1.46 Gems & Jewelry 1.11 Automobiles 0.88 Telecom 0 Roads and Ports 0 Power 0 Personal 0 Education 0 Auto 0 Mortgage 0 Home 0 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Corporate & Others 0 0 Agriculture Sector 0 Retail Sector 0	Loan Break-Up Auto 0 Services 16.65 Real Estate 0 Power 0 Mortgage 0 Corporate & Others 0 Personal 0 Infrastructure 0 Roads and Ports 0 Industrial & Commercial 11.57 Construction 0 Retail Sector 0 Personal Loan 57.66 Telecom 0 Gems & Jewelry 0 Chemicals 0 Automobiles 0 Rubber and plastics 0 Priority Sector 0.93 Agriculture Sector 0 Education 0 Textiles 0 Metals 0 NBFC 0 0 Home 0 Agricultural 13.19	Loan Break-Up Auto 0 Services 0 Real Estate 0 Power 0 Mortgage 0 Corporate 37.67 Personal 0 Infrastructure 0 Roads and Ports 0 Industry 0 Construction 0 Retail 26.75 Personal Loans 0 Telecom 0 Gems & Jewelry 0 Chemicals 0 Automobiles 0 Rubber and plastics 0 0 Agricultural 14.76 Education 0 Textiles 0 Metals 0 NBFC 0 MSME Sector 20.82 Home 0 Agriculture and allied activities 0
Location Wise Break-Up	Location Wise Break-Up India 87.76 Rest of the World 12.24	Location Wise Break-Up India 93.89 Rest of the World 6.11	Location Wise Break-Up India 100.0 Rest of the World 0
Retail Loan Break-Up - Banking	Retail Loan Break-Up - Banking Others 100	-	-
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 17.91 Borrowings outside India 9.94 Other Institutions and Agencies 0 Reserve Bank of India 0 Borrowings Outside India 0 Infra Bonds 0 Subordinated Debt Bonds 0 0 0 Reserve Bank Of India 0 Others 72.15	Borrowings Break-Up 0 Borrowings outside India 1.57 Infra Bonds 0 Subordinated Debt Bonds 0 Reserve Bank Of India 0 0 Other Institutions and Agencies 0 Borrowings Outside India 0 Reserve Bank of India 16.39 Others 82.04	Borrowings Break-Up Innovative Perpetual Debt Instruments (IPDI) 24.36 Borrowings outside India 0 Infra Bonds 0 Subordinated Debt Bonds 0 Reserve Bank Of India 0 Hybrid Debt Capital Instruments issued as Bonds 48.29 Other Institutions and Agencies 0 Borrowings Outside India 0 Reserve Bank of India 0 Others 27.35
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise India 85.08 Others 14.92	-	-
Profit Before Tax	Profit Before Tax Others 100	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 68.99 Priority Sector 31.01 Non Priority Sector Advance 0 Priority Sector Advance 0	Priority vs Non-Priority Sector Non Priority Sector 60.53 Priority Sector 39.47 Priority Sector 0 Non Priority Sector 0	-
NPA Break-Up	NPA Break-Up Large Industries 38.94 MSME Sector 23.09 Agricultural 19.25 Retail 4.51 Others 0 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Large Corporate & Other 0 Medium 0 Micro & Small 0 Retail 0 Agriculture 0 Others 14.21	NPA Break-Up Priority Sector 2.03 Agricultural 0 Retail 0 Micro & Small 0 Others 0 Industrial & Commercial 0.57 Large Industries 0 MSME Sector 0 Services 35.18 Agriculture 0 Personal Loan 11.67 Agricultural 50.55 Large Corporate & Other 0 Medium 0	NPA Break-Up 0 Agricultural 0 Retail 5.04 Micro, Small and Medium Enterprises 27.64 Others 0 Industry 0 Large Industries 0 MSME Sector 0 Services 0 Agricultural 64.23 Personal Loans 0 Agriculture and allied activities 0 Large Industries 3.08 Medium 0 Others 0.01

Bank Of India

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