Indian Bank

Financial

	Indian Bank	Indian Overseas Bank	IDBI
Operational Metrics
Banking Sector
Net Interest Margin	3.45 %	3.33 %	4.75 %
Yield On Advances	8.92 %	9.02 %	10.17 %
Gross NPA	3.26 %	2.55 %	3.57 %
Net NPA	0.21 %	0.42 %	0.18 %
CASA Ratio	38.32 %	43.37 %	46.35 %
CASA vs Liabilities	32.71 %	34.28 %	34.72 %
Credit Deposit Ratio	79.63 %	77.88 %	73.22 %
Cost To Income Ratio	44.56 %	44.55 %	44.5 %
Fresh Slippages - Quarterly	1004.0 Crs	284.0 Crs	463.0 Crs
Capital to Risks Assets Ratio (CRAR)	15.92 %	16.97 %	21.98 %
Tier I Capital	13.77 %	14.33 %	19.91 %
Tier 2 Capital	2.15 %	2.64 %	2.07 %
NBFC
Cost of Borrowing	5.27 %	5.24 %	4.83 %
Financials
5 yr Average ROE	10.68 %	10.16 %	-1.18 %
5yr average Equity Multiplier	14.42	13.66	7.59
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	8.61 %	7.3 %	0.09 %
5yr Avg Net Profit Margin	8.61 %	7.3 %	0.09 %
5yr CAGR Net Profit	57.77 %	44.92 %	n/a
5yr CAGR Sales	21.04 %	49.29 %	3.57 %
5 yr CAGR PPOP	21.13 %	53.47 %	13.46 %
Price to Book	1.17	2.55	1.58
P/E	7.35	23.7	12.4
Shareholdings
Promoter Holding	73.84 %	94.61 %	94.71 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-6.02 %	-1.77 %	0.0
Change in Mutual Fund Holding (3 Yrs)	5.68 %	0.03 %	0.03 %

Business

	Indian Bank	Indian Overseas Bank	IDBI
Segment Break-Up	Segment Break-Up Consumer Finance 41.09 Corporate Banking 31.37 Treasury Operations 23.71 Corporate / Wholesale Banking 0 Retail banking 0 Corporate/Wholesale banking 0 Others 3.83	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Retail banking 0 Corporate Banking 28.4 Corporate/Wholesale banking 0 Others 71.6	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Consumer Finance 56.53 Corporate / Wholesale Banking 0 Corporate Banking 14.37 Others 29.1
Loan Break-Up	Loan Break-Up Corporate 35.65 Agricultural 24.96 Retail 22.09 MSME Sector 17.3 Personal Loans 0 Services 0 Industry 0 Agriculture 0	Loan Break-Up Services 0 MSME Sector 0 Agricultural 0 Industry 0 Corporate 20.45 Personal Loans 0 Agriculture 29.09 Retail 24.66 Others 25.8	Loan Break-Up Services 21.97 MSME Sector 0 Agricultural 0 Industrial & Commercial 20.94 Corporate 0 Personal Loan 41.39 Agricultural 9.17 Retail 0 Others 6.53
Location Wise Break-Up	Location Wise Break-Up India 96.57 Rest of the World 3.43	Location Wise Break-Up India 97.12 Rest of the World 2.88	Location Wise Break-Up India 100.0 Rest of the World 0
Borrowings Break-Up	Borrowings Break-Up RBI 88.37 Borrowings outside India 11.63 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	Borrowings Break-Up Upper Tier II Bonds 0 Basel III Omni Tier 2 Bond 0 Borrowings outside India 22.98 0 RBI 0 0 0 Borrowings outside India 0 Other Institutions & Agencies 62.93 Reserve Bank of India 0 0 Subordinated Debt 7.12 Others 6.97	Borrowings Break-Up Upper Tier II Bonds 0 Basel III Omni Tier 2 Bond 15.48 Borrowings Outside India 0 0 RBI 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.77 0 Borrowings outside India 8.43 Other Institutions & Agencies 0 Reserve Bank of India 14.05 0 Subordinated Debt 0 Others 60.27
Profit Before Tax	Profit Before Tax Treasury 35.76 Retail Banking 30.91 Corporate Banking 28.59 Others 4.74	-	Profit Before Tax Retail Banking 0 Corporate Banking 0 Treasury 20.91 Others 79.09
Asset Break-Up	Asset Break-Up India 100.0	-	-
NPA Break-Up	NPA Break-Up MSME 40.0 Agricultural 40.0 Personal Loan 10.0 Corporate 10.0 Services 0 Industry 0 Overseas 0 Agri 0	NPA Break-Up MSME Sector 28.87 Services 0 Personal Loan 0 Overseas 20.49 Agricultural 0 Industry 0 Corporate 4.4 Agricultural 30.13 Others 16.11	-

Indian Bank

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