IDBI Bank Ltd.

Financial

	IDBI	Canara Bank	Union Bank Of India
Operational Metrics
Asset Management Sector
% of AUM in equity fund	67.98 %	79.86 %	68.42 %
AUM - Mutual Funds	3767.27 Crs	101895.44 Crs	19753.03 Crs
5 Yr AUM CAGR - Mutual Funds	-19.47 %	43.17 %	40.76 %
Banking Sector
Capital to Risks Assets Ratio (CRAR)	21.98 %	16.44 %	16.72 %
Credit Deposit Ratio	73.22 %	76.65 %	75.74 %
Fresh Slippages - Quarterly	463.0 Crs	2363.0 Crs	1820.0 Crs
Gross NPA	3.57 %	3.34 %	3.85 %
Net NPA	0.18 %	0.89 %	0.82 %
CASA Ratio	46.35 %	30.0 %	33.43 %
CASA vs Liabilities	34.72 %	25.65 %	28.75 %
Cost To Income Ratio	44.5 %	47.58 %	45.14 %
Net Interest Margin	4.75 %	2.71 %	2.91 %
Tier I Capital	19.91 %	14.55 %	14.89 %
Tier 2 Capital	2.07 %	1.89 %	1.83 %
Yield On Advances	10.17 %	8.79 %	8.78 %
NBFC
Cost of Borrowing	4.83 %	5.28 %	5.01 %
Financials
5 yr Average ROE	-1.18 %	9.12 %	6.47 %
5yr average Equity Multiplier	7.59	17.85	16.13
5yr Average Asset Turnover Ratio	0.08	0.08	0.08
5yr Avg Net Profit Margin	0.09 %	5.49 %	4.62 %
5yr Avg Net Profit Margin	0.09 %	5.49 %	4.62 %
5yr CAGR Net Profit	n/a	n/a	n/a
5yr CAGR Sales	3.57 %	17.72 %	22.26 %
5 yr CAGR PPOP	13.46 %	25.16 %	25.1 %
Price to Book	1.58	0.87	0.87
P/E	12.4	5.47	6.01
Shareholdings
Promoter Holding	94.71 %	62.93 %	74.76 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-8.74 %
Change in Mutual Fund Holding (3 Yrs)	0.03 %	1.45 %	2.52 %

Business

	IDBI	Canara Bank	Union Bank Of India
Loan Break-Up	Loan Break-Up Personal Loan 41.39 Services 21.97 Industrial & Commercial 20.94 Agricultural 9.17 MSME 0 LC & Other 0 Retail 0 Others 6.53	-	Loan Break-Up Personal Loan 0 Retail 21.26 LC & Other 45.47 Services 0 Agricultural 0 MSME 13.74 Industrial & Commercial 0 Others 19.53
Segment Break-Up	Segment Break-Up Consumer Finance 56.53 Treasury Operations 22.77 Corporate Banking 14.37 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Others 6.33	Segment Break-Up Corporate Banking 34.11 Cooperate/Wholesale Banking 0 Consumer Finance 42.87 Treasury Operations 19.31 Retail banking Operations 0 Consumer Finance 0 Treasure operations 0 Corporate Banking 0 Life Insurance Business 3.71	Segment Break-Up Wholesale Banking Operations 0 Corporate Banking 35.84 Retail Banking Operations 0 Treasury Operations 0 Consumer Finance 36.15 Consumer Finance 0 Treasury Operations 24.55 Corporate Banking 0 Life Insurance Operation 0 Others 3.46
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 95.16 Rest of the World 4.84	Location Wise Break-Up India 100.0 Rest of the World 0
Borrowings Break-Up	Borrowings Break-Up Basel III Omni Tier 2 Bond 15.48 Reserve Bank of India 14.05 Borrowings outside India 8.43 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.77 Upper Tier II Bonds 0 0 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Borrowings Outside India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 Others 60.27	Borrowings Break-Up Reserve Bank of India 0 Perpetual Bonds 0 Upper Tier II Bonds 0 Upper Tier 2 Bonds 0 Tier 2 Bonds 0 0 Borrowings Outside India 0 Other banks - India 1.0 Borrowings outside India 0 Basel III Omni Tier 2 Bond 0 Other Institutions & Agencies 24.21 0 UNSECURED REDEEMABLE BONDS 74.79 RESERVE BANK OF INDIA 0	Borrowings Break-Up Reserve Bank of India 0 Perpetual Bonds 35.92 Upper Tier II Bonds 0 Upper Tier 2 Bonds 0 Tier 2 Bonds 29.47 0 Borrowings outside India 16.6 OTHER BANKS 0 Borrowings outside India 0 Basel III Omni Tier 2 Bond 0 OTHER INSTITUTIONS AND AGENCIES 0 0 UNSECURED REDEEMABLE BONDS 0 RESERVE BANK OF INDIA 0 Others 18.01
Investment Break-Up - Life Insurance	Investment Break-Up - Life Insurance Government securities 63.32 Investments in Infrastructure and Social Sector 19.79 Other Approved investments 16.17 Others 0.72	-	-
Profit Before Tax	Profit Before Tax Treasury 20.91 Life Insurance 0 Wholesale Banking 0 Retail Banking 0 Others 79.09	Profit Before Tax Life Insurance 0.65 Retail Banking 68.98 Wholesale Banking 0 Treasury 30.37	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 66.2 Priority Sector 33.8 Non-Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 55.71 Priority Sector 44.29 Non Priority Sector 0	Priority vs Non-Priority Sector Non-Priority Sector 0 Priority Sector 37.54 Non Priority Sector 62.46
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Non-Participating life 41.63 Linked Life 33.14 Participating 23.36 Non-Participating Group 1.67 Non-Participating Group Variables 0.16 Others 0.04	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 67.98 Liquid/ Money Market 17.85 Debt 5.2 Balanced schemes 4.95 ETF 2.84 FMP 0 Gilt 0 Equity 0 Others 1.18	AUM Break-Up - Asset Management Debt 3.13 FMP 0 Gilt 0 ETF 0 Balanced schemes 11.34 Equity 0 Liquid/ Money Market 3.49 Others 82.04	AUM Break-Up - Asset Management Debt 2.07 FMP 0 Gilt 0 ETF 0 Balanced schemes 0 Equity 73.23 Liquid/ Money Market 23.93 Others 0.77

IDBI Bank Ltd.

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