Indian Overseas Bank

Financial

	Indian Overseas Bank	IDBI	Union Bank Of India
Operational Metrics
Banking Sector
Net Interest Margin	3.53 %	4.93 %	3.1 %
Yield On Advances	8.88 %	10.9 %	8.87 %
Gross NPA	3.1 %	4.53 %	4.76 %
Net NPA	0.57 %	0.34 %	1.03 %
CASA Ratio	43.9 %	50.43 %	34.2 %
CASA vs Liabilities	36.55 %	38.55 %	29.74 %
Credit Deposit Ratio	76.61 %	67.93 %	68.22 %
Cost To Income Ratio	62.58 %	46.1 %	53.81 %
Fresh Slippages - Quarterly	329.0 Crs	1835.0 Crs	3202.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.28 %	22.26 %	16.97 %
Tier I Capital	14.47 %	20.11 %	14.99 %
Tier 2 Capital	2.8 %	2.15 %	1.97 %
NBFC
Cost of Borrowing	5.09 %	4.56 %	4.93 %
Financials
5 yr Average ROE	10.16 %	-1.18 %	6.47 %
5yr average Equity Multiplier	13.66	7.59	16.13
5yr Average Asset Turnover Ratio	0.08	0.08	0.08
5yr Avg Net Profit Margin	7.3 %	0.09 %	4.62 %
5yr Avg Net Profit Margin	7.3 %	0.09 %	4.62 %
5yr CAGR Net Profit	44.92 %	n/a	n/a
5yr CAGR Sales	49.29 %	3.57 %	22.26 %
5 yr CAGR PPOP	53.47 %	13.46 %	25.1 %
Price to Book	4.33	1.76	1.05
P/E	44.81	15.55	7.43
Shareholdings
Promoter Holding	96.38 %	94.71 %	74.76 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.54 %	0.0	-14.31 %
Change in Mutual Fund Holding (3 Yrs)	0.03 %	-0.03 %	2.51 %

Business

	Indian Overseas Bank	IDBI	Union Bank Of India
Segment Break-Up	Segment Break-Up Consumer Finance 38.51 Corporate Banking 28.74 Treasury Operations 27.28 Retail banking 0 Corporate/Wholesale banking 0 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Others 5.47	Segment Break-Up Corporate Banking 0 Consumer Finance 57.16 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Corporate Banking 17.53 Treasure operations 0 Consumer Finance 0 Treasury Operations 0 Others 25.31	Segment Break-Up Corporate Banking 0 Retail banking 0 Corporate Banking 41.38 Consumer Finance 28.53 Corporate/Wholesale banking 0 Treasury Operations 25.11 Consumer Finance 0 Treasury Operations 0 Others 4.98
Loan Break-Up	Loan Break-Up Agriculture 25.4 Retail 22.15 MSME 18.97 Personal Loans 0 Services 0 Industry 0 LC & Other 0 Others 33.48	Loan Break-Up Industrial & Commercial 21.25 MSME 0 Retail 0 Services 25.19 LC & Other 0 Agricultural 10.74 Personal Loan 37.48 Others 5.34	Loan Break-Up Industry 0 MSME 15.0 Retail 19.61 Services 0 LC & Other 45.07 Agricultural 20.32 Personal Loans 0
Location Wise Break-Up	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	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 55.93 Treasury Operations 23.57 Corporate / Wholesale Banking 0 Corporate & Wholesale Banking 0 Others 20.5	-	Operating Profit Break-Up Treasury Operations 0 Corporate / Wholesale Banking 0 Wholesale Banking 47.19 Consumer Finance 0 Others 52.81
Borrowings Break-Up	Borrowings Break-Up Other Institutions & Agencies 62.93 Borrowings outside India 22.98 Subordinated Debt 7.12 RBI 0 0 0 Borrowings outside India 0 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 Reserve Bank of India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 Others 6.97	Borrowings Break-Up Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 2.39 Reserve Bank of India 18.99 0 Subordinated Debt 0 Perpetual Bonds 0 Borrowings outside India 4.42 0 0 Upper Tier 2 Bonds 0 RBI 0 Other Institutions & Agencies 0 Upper Tier II Bonds 0 Tier 2 Bonds 0 Basel III Omni Tier 2 Bond 20.93 Others 53.27	Borrowings Break-Up 0 Reserve Bank of India 31.02 0 Subordinated Debt 0 Perpetual Bonds 22.46 Borrowings outside India 0 0 0 Upper Tier 2 Bonds 0 RBI 0 Other Institutions & Agencies 0 Upper Tier II Bonds 0 Tier 2 Bonds 23.07 Basel III Omni Tier 2 Bond 0 Others 23.45
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Consumer Finance 33.91 Corporate Banking 32.51 Treasury Operations 30.5 Others 3.08	Asset Break-Up - Segment Wise Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Others 100	-
NPA Break-Up	NPA Break-Up MSME Sector 32.77 Agricultural 30.88 Overseas 19.97 Retail 12.13 Corporate 4.25 Medium & Large 0 Micro & Small (MSE) 0 Agriculture 0 Retail Loans 0	-	NPA Break-Up Overseas 0 Agricultural 36.3 Micro, Small and Medium Enterprises 26.69 MSME Sector 0 Medium & Large 27.35 Agricultural 0 Consumer Finance 9.66 Corporate 0 Retail 0
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 Others 33.4	Priority vs Non-Priority Sector Priority Sector 34.42 Loan From Banks 0 Due from Banks 0 Bills Purchased & Discounted 0 Non Priority Sector 65.58 Public Sector 0	Priority vs Non-Priority Sector Priority Sector 37.89 Loan From Banks 0 Due from Banks 0 Bills Purchased & Discounted 0 Non Priority Sector 62.11 Public Sector 0
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-

Indian Overseas Bank

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