Bank Of India

Financial

	Bank Of India	Indian Overseas Bank	IDBI
Operational Metrics
Banking Sector
Net Interest Margin	2.92 %	3.53 %	4.93 %
Yield On Advances	8.47 %	8.88 %	10.9 %
Gross NPA	4.98 %	3.1 %	4.53 %
Net NPA	1.22 %	0.57 %	0.34 %
CASA Ratio	43.21 %	43.9 %	50.43 %
CASA vs Liabilities	35.16 %	36.55 %	38.55 %
Credit Deposit Ratio	72.7 %	76.61 %	67.93 %
Cost To Income Ratio	53.73 %	62.58 %	46.1 %
Fresh Slippages - Quarterly	1980.0 Crs	329.0 Crs	1835.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.96 %	17.28 %	22.26 %
Tier 2 Capital	2.03 %	2.8 %	2.15 %
Tier I Capital	14.93 %	14.47 %	20.11 %
NBFC
Cost of Borrowing	4.58 %	5.09 %	4.56 %
Financials
5 yr Average ROE	-0.67 %	9.76 %	-16.41 %
5yr average Equity Multiplier	13.89	13.96	7.84
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	0.17 %	6.74 %	-15.41 %
5yr Avg Net Profit Margin	0.17 %	6.74 %	-15.41 %
5yr CAGR Net Profit	n/a	55.55 %	n/a
5yr CAGR Sales	3.78 %	44.71 %	-0.37 %
5 yr CAGR PPOP	10.22 %	57.32 %	15.86 %
Price to Book	0.79	4.24	1.77
P/E	8.52	43.84	15.64
Shareholdings
Promoter Holding	73.38 %	96.38 %	94.71 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-15.72 %	0.54 %	0.0
Change in Mutual Fund Holding (3 Yrs)	4.49 %	0.03 %	-0.03 %

Business

	Bank Of India	Indian Overseas Bank	IDBI
Loan Break-Up	Loan Break-Up NBFC 27.16 Infrastructure 24.79 Metals 6.98 Chemicals 3.41 Textiles 2.76 Construction 1.77 Rubber and plastics 1.46 Gems & Jewelry 1.36 Automobiles 0.98 Realestate 0 Telecom 0 Roads and Ports 0 Power 0 Personal 0 Education 0 Auto 0 Mortgage 0 Home 0 Personal Loans 0 Services 0 Industry 0 Agriculture 0 Others 29.33	Loan Break-Up Education 0 Auto 0 Power 0 Gems & Jewelry 0 Mortgage 0 Textiles 0 Agriculture 25.4 NBFC 0 Metals 0 Automobiles 0 Personal Loans 0 Industry 0 Rubber and plastics 0 Infrastructure 0 Chemicals 0 Home 0 Services 0 Realestate 0 Telecom 0 Roads and Ports 0 Construction 0 Personal 0 Others 74.6	Loan Break-Up Education 0 Auto 0 Power 0 Gems & Jewelry 0 Mortgage 0 Textiles 0 Agricultural 11.17 NBFC 0 Metals 0 Automobiles 0 Personal Loan 38.43 Industrial & Commercial 22.52 Rubber and plastics 0 Infrastructure 0 Chemicals 0 Home 0 Services 22.82 Realestate 0 Telecom 0 Roads and Ports 0 Construction 0 Personal 0 Others 5.06
Segment Break-Up	Segment Break-Up Consumer Finance 39.08 Corporate Banking 33.37 Treasury Operations 26.71 Retail Banking 0 Corporate / Wholesale Banking 0 Treasury 0 Retail banking 0 Corporate/Wholesale banking 0 Others 0.84	Segment Break-Up Corporate/Wholesale banking 0 Treasury Operations 27.28 Consumer Finance 38.51 Corporate Banking 0 Treasury Operations 0 Retail banking 0 Consumer Finance 0 Corporate Banking 28.74 Others 5.47	Segment Break-Up Corporate Banking 14.45 Treasury Operations 26.95 Retail Banking 0 Corporate Banking 0 Treasury Operations 0 Consumer Finance 57.02 Consumer Finance 0 Corporate / Wholesale Banking 0 Others 1.58
Location Wise Break-Up	Location Wise Break-Up India 86.81 Rest of the World 13.19	Location Wise Break-Up India 97.61 Rest of the World 2.39	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 Borrowings outside India 4.23 Reserve Bank of India 4.14 RBI 0 Borrowings Outside India 0 Subordinated Debt 0 0 0 Other Institutions & Agencies 0 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 Reserve Bank of India 0 Others 91.63	Borrowings Break-Up Subordinated Debt 11.85 Reserve Bank of India 0 Upper Tier II Bonds 0 RBI 0 Borrowings outside India 0 0 Borrowings outside India 13.99 0 0 Other Institutions & Agencies 74.16 Basel III Omni Tier 2 Bond 0 0	Borrowings Break-Up Subordinated Debt 0 Reserve Bank of India 18.99 Upper Tier II Bonds 0 RBI 0 Borrowings outside India 4.42 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 2.39 Borrowings Outside India 0 0 0 Other Institutions & Agencies 0 Basel III Omni Tier 2 Bond 20.93 0 Others 53.27
Profit Before Tax	Profit Before Tax Others 100	-	Profit Before Tax Others 100
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise India 85.53 Retail Banking 0 Corporate / Wholesale Banking 0 Treasury 0 Others 14.47	Asset Break-Up - Segment Wise India 0 Corporate Banking 32.51 Treasury Operations 30.5 Consumer Finance 33.91 Others 3.08	Asset Break-Up - Segment Wise India 0 Corporate / Wholesale Banking 0 Treasury 43.57 Retail Banking 0 Others 56.43
NPA Break-Up	NPA Break-Up Large Industries 38.94 MSME Sector 23.09 Agricultural 19.25 Retail 4.51 Overseas 0 Corporate 0 Agri 0 Retail 0 Others 14.21	NPA Break-Up Overseas 19.97 Retail 12.13 Agricultural 30.88 MSME Sector 0 Agricultural 0 Corporate 4.25 Large Industries 0 Others 32.77	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 68.82 Priority Sector 31.18 Due from Banks 0 Syndicated Loans 0 Bills Purchased & Discounted 0 Public Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Bills Purchased & Discounted 3.72 Loan From Banks 1.42 Priority Sector 51.56 Due from Banks 0 Public Sector 13.88 Non Priority Sector 0 Others 29.42	Priority vs Non-Priority Sector Bills Purchased & Discounted 0 Syndicated Loans 0 Priority Sector 34.42 Due from Banks 0 Public Sector 0 Non Priority Sector 65.58

Bank Of India

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