Indian Overseas Bank

Financial

	Indian Overseas Bank	Canara Bank	Union Bank Of India
Operational Metrics
Banking Sector
Net Interest Margin	3.08 %	2.86 %	2.97 %
Yield On Advances	8.97 %	8.77 %	8.71 %
Gross NPA	2.72 %	3.73 %	4.36 %
Net NPA	0.47 %	0.99 %	0.98 %
CASA Ratio	42.44 %	31.27 %	32.72 %
CASA vs Liabilities	35.04 %	25.98 %	28.61 %
Credit Deposit Ratio	74.09 %	75.11 %	72.33 %
Cost To Income Ratio	48.97 %	46.46 %	43.8 %
Fresh Slippages - Quarterly	251.0 Crs	2345.0 Crs	4946.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.45 %	16.57 %	17.13 %
Tier I Capital	14.75 %	14.64 %	15.22 %
Tier 2 Capital	2.7 %	1.93 %	1.91 %
NBFC
Cost of Borrowing	5.13 %	5.26 %	4.97 %
Financials
5 yr Average ROE	10.16 %	9.12 %	6.47 %
5yr average Equity Multiplier	13.66	17.85	16.13
5yr Average Asset Turnover Ratio	0.08	0.08	0.08
5yr Avg Net Profit Margin	7.3 %	5.49 %	4.62 %
5yr Avg Net Profit Margin	7.3 %	5.49 %	4.62 %
5yr CAGR Net Profit	44.92 %	n/a	n/a
5yr CAGR Sales	49.29 %	17.72 %	22.26 %
5 yr CAGR PPOP	53.47 %	25.16 %	25.1 %
Price to Book	3.46	0.89	0.84
P/E	32.84	5.73	5.92
Shareholdings
Promoter Holding	96.38 %	62.93 %	74.76 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-8.73 %
Change in Mutual Fund Holding (3 Yrs)	0.04 %	0.64 %	1.9 %

Business

	Indian Overseas Bank	Canara Bank	Union Bank Of India
Loan Break-Up	Loan Break-Up Agriculture 28.38 Retail 23.59 MSME 18.06 LC & Other 0 Services 0 Industry 0 Others 29.97	-	Loan Break-Up Services 0 Agricultural 20.66 Retail 20.71 MSME 15.16 Industry 0 LC & Other 43.46 Others 0.01
Segment Break-Up	Segment Break-Up Consumer Finance 41.93 Corporate Banking 34.46 Treasury Operations 21.78 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 1.83	Segment Break-Up Consumer Finance 42.58 Treasure operations 0 Cooperate/Wholesale Banking 0 Life Insurance Business 8.98 Corporate Banking 0 Retail banking Operations 0 Corporate Banking 30.61 Treasury Operations 17.83 Consumer Finance 0	Segment Break-Up Retail Banking Operations 0 Treasury Operations 25.47 Corporate Banking 34.97 Life Insurance Operation 0 Corporate Banking 0 Consumer Finance 34.81 Wholesale Banking Operations 0 Treasury Operations 0 Consumer Finance 0 Others 4.75
Location Wise Break-Up	Location Wise Break-Up India 97.12 Rest of the World 2.88	Location Wise Break-Up Rest of the World 4.35 India 95.65	Location Wise Break-Up Rest of the World 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 60.33 Corporate Banking 35.26 Treasury Operations 0.38 Corporate & Wholesale Banking 0 Others 4.03	-	Operating Profit Break-Up Wholesale Banking 33.87 Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Others 66.13
Borrowings Break-Up	Borrowings Break-Up Other Institutions & Agencies 62.93 Borrowings outside India 22.98 Subordinated Debt 7.12 RBI 0 0 0 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Reserve Bank of India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 Others 6.97	Borrowings Break-Up RBI 0 Other Institutions & Agencies 0 UNSECURED REDEEMABLE BONDS 74.79 RESERVE BANK OF INDIA 0 Reserve Bank of India 0 Subordinated Debt 0 Borrowings outside India 0 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 Other Institutions & Agencies 24.21 Other banks - India 1.0 0	Borrowings Break-Up RBI 0 Other Institutions & Agencies 0 UNSECURED REDEEMABLE BONDS 0 RESERVE BANK OF INDIA 0 Reserve Bank of India 0 Subordinated Debt 0 Borrowings outside India 0 0 Tier 2 Bonds 29.47 Upper Tier 2 Bonds 0 Perpetual Bonds 35.92 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 0 Others 34.61
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Consumer Finance 36.7 Treasury Operations 31.1 Corporate Banking 29.36 Others 2.84	-	-
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 50.46 Public Sector 11.41 Bills Purchased & Discounted 3.44 Loan From Banks 1.29 Due from Banks 0 Non-Priority Sector 0 Non Priority Sector 0 Others 33.4	Priority vs Non-Priority Sector Bills Purchased & Discounted 0 Public Sector 0 Priority Sector 44.29 Non Priority Sector 55.71 Loan From Banks 0 Non Priority Sector 0 Due from Banks 0	Priority vs Non-Priority Sector Bills Purchased & Discounted 0 Public Sector 0 Priority Sector 37.54 Non-Priority Sector 0 Loan From Banks 0 Non Priority Sector 62.46 Due from Banks 0
NPA Break-Up	NPA Break-Up Agricultural 30.72 MSME Sector 28.07 Overseas 21.72 Retail 14.96 Corporate 4.51 Corporate & Others 0 Agriculture & Allied 0 Medium & Large 0 Micro & Small (MSE) 0 Agriculture 0 Retail Loans 0 Others 0.02	NPA Break-Up Corporate 42.22 Medium & Large 0 Retail Loans 0 Corporate 0 MSME Sector 0 Agriculture 0 Agricultural 0 Micro & Small (MSE) 0 Agricultural 23.91 Retail 5.48 Overseas 0 Others 28.39	NPA Break-Up Corporate & Others 0 Medium & Large 28.61 Consumer Finance 9.35 Corporate 0 MSME Sector 0 Agricultural 36.72 Agricultural 0 Micro, Small and Medium Enterprises 25.31 Agriculture & Allied 0 Retail 0 Overseas 0 Others 0.01

Indian Overseas Bank

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