Indian Overseas Bank

Financial

	Indian Overseas Bank	IDBI	Union Bank Of India
Operational Metrics
Banking Sector
Net Interest Margin	3.33 %	4.75 %	2.91 %
Yield On Advances	9.02 %	10.17 %	8.78 %
Gross NPA	2.55 %	3.57 %	3.85 %
Net NPA	0.42 %	0.18 %	0.82 %
CASA Ratio	43.37 %	46.35 %	33.43 %
CASA vs Liabilities	34.28 %	34.72 %	28.75 %
Credit Deposit Ratio	77.88 %	73.22 %	75.74 %
Cost To Income Ratio	44.55 %	44.5 %	45.14 %
Fresh Slippages - Quarterly	284.0 Crs	463.0 Crs	1820.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.97 %	21.98 %	16.72 %
Tier I Capital	14.33 %	19.91 %	14.89 %
Tier 2 Capital	2.64 %	2.07 %	1.83 %
NBFC
Cost of Borrowing	5.24 %	4.83 %	5.01 %
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	3.25	1.51	0.77
P/E	30.14	11.83	5.32
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)	0.0	0.0	-8.73 %
Change in Mutual Fund Holding (3 Yrs)	0.04 %	0.01 %	2.49 %

Business

	Indian Overseas Bank	IDBI	Union Bank Of India
Segment Break-Up	Segment Break-Up Consumer Finance 43.49 Corporate Banking 28.4 Treasury Operations 22.71 Retail banking 0 Corporate/Wholesale banking 0 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Others 5.4	Segment Break-Up Consumer Finance 0 Cooperate/Wholesale Banking 0 Treasure operations 0 Consumer Finance 56.53 Corporate Banking 14.37 Treasury Operations 0 Retail banking Operations 0 Corporate Banking 0 Others 29.1	Segment Break-Up Consumer Finance 0 Corporate Banking 35.84 Treasury Operations 24.55 Retail banking 0 Corporate/Wholesale banking 0 Treasury Operations 0 Consumer Finance 36.15 Corporate Banking 0 Others 3.46
Loan Break-Up	Loan Break-Up Agriculture 29.09 Retail 24.66 MSME 18.15 Personal Loans 0 Services 0 Industry 0 LC & Other 0 Others 28.1	Loan Break-Up Services 21.97 Agricultural 9.17 LC & Other 0 Industrial & Commercial 20.94 Retail 0 Personal Loan 41.39 MSME 0 Others 6.53	Loan Break-Up Services 0 Agricultural 19.52 LC & Other 45.47 Industry 0 Retail 21.26 Personal Loans 0 MSME 13.74 Others 0.01
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 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 61.23 Corporate Banking 18.58 Treasury Operations 3.59 Corporate & Wholesale Banking 0 Others 16.6	-	Operating Profit Break-Up Consumer Finance 0 Wholesale Banking 28.75 Corporate Banking 0 Treasury Operations 0 Others 71.25
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 Borrowings outside India 8.43 Upper Tier II Bonds 0 RBI 0 0 0 Subordinated Debt 0 Other Institutions & Agencies 0 Basel III Omni Tier 2 Bond 15.48 0 Perpetual Bonds 0 Tier 2 Bonds 0 Reserve Bank of India 14.05 Upper Tier 2 Bonds 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.77 Others 60.27	Borrowings Break-Up Borrowings outside India 0 Upper Tier II Bonds 0 RBI 0 0 0 Subordinated Debt 0 Other Institutions & Agencies 0 Basel III Omni Tier 2 Bond 0 0 Perpetual Bonds 35.92 Tier 2 Bonds 29.47 Reserve Bank of India 0 Upper Tier 2 Bonds 0 0 Others 34.61
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Consumer Finance 38.68 Treasury Operations 30.74 Corporate Banking 27.87 Others 2.71	Asset Break-Up - Segment Wise Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Others 100	-
NPA Break-Up	NPA Break-Up Agricultural 30.13 MSME Sector 28.87 Overseas 20.49 Retail 16.11 Corporate 4.4 Medium & Large 0 Micro & Small (MSE) 0 Agriculture 0 Retail Loans 0	-	NPA Break-Up Agricultural 0 Micro, Small and Medium Enterprises 14.01 Corporate 0 Agricultural 40.06 Retail 0 MSME Sector 0 Consumer Finance 8.57 Overseas 0 Medium & Large 37.36
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 Public Sector 0 Due from Banks 0 Loan From Banks 0 Priority Sector 33.8 Bills Purchased & Discounted 0 Non Priority Sector 66.2	Priority vs Non-Priority Sector Public Sector 0 Due from Banks 0 Loan From Banks 0 Priority Sector 37.54 Bills Purchased & Discounted 0 Non Priority Sector 62.46
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-

Indian Overseas Bank

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