Indian Overseas Bank

Financial

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

Business

	Indian Overseas Bank	Indian Bank	IDBI
Segment Break-Up	Segment Break-Up Consumer Finance 43.49 Corporate Banking 28.4 Treasury Operations 22.71 Corporate/ Wholesale Banking 0 Retail banking 0 Corporate/Wholesale banking 0 Others 5.4	Segment Break-Up Corporate Banking 31.37 Corporate/Wholesale banking 0 Treasury Operations 0 Corporate Banking 0 Consumer Finance 0 Retail banking 0 Others 68.63	Segment Break-Up Corporate/ Wholesale Banking 0 Corporate Banking 14.37 Treasury Operations 0 Corporate Banking 0 Consumer Finance 0 Consumer Finance 56.53 Others 29.1
Loan Break-Up	Loan Break-Up Agriculture 29.09 Corporate Sector 0 MSME sector 0 Agriculture sector 0 Retail sector 0 Personal Loans 0 Services 0 Industry 0 Others 70.91	Loan Break-Up Industry 0 Agriculture 0 Retail 22.09 Corporate 35.65 Personal Loans 0 MSME Sector 17.3 Services 0 Agricultural 24.96	Loan Break-Up Industrial & Commercial 20.94 Agricultural 9.17 Retail sector 0 Corporate Sector 0 Personal Loan 41.39 MSME sector 0 Services 21.97 Agriculture sector 0 Others 6.53
Location Wise Break-Up	Location Wise Break-Up India 97.12 Rest of the World 2.88	Location Wise Break-Up India 96.57 Rest of the World 3.43	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 61.23 Corporate Banking 18.58 Treasury Operations 3.59 Others 16.6	-	-
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 Others 6.97	Borrowings Break-Up Borrowings outside India 11.63 Subordinated Debt 0 Upper Tier II Bonds 0 RBI 88.37 Basel III Omni Tier 2 Bond 0 0 Reserve Bank of India 0 Other Institutions & Agencies 0 0 0 0	Borrowings Break-Up Borrowings outside India 8.43 Subordinated Debt 0 Upper Tier II Bonds 0 RBI 0 Basel III Omni Tier 2 Bond 15.48 0 Reserve Bank of India 14.05 Other Institutions & Agencies 0 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.77 0 Others 60.27
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 Corporate Banking 0 Consumer Finance 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 Services 0 Industry 0 Agriculture and allied activities 0	NPA Break-Up Corporate 10.0 Industry 0 MSME Sector 0 Personal Loan 10.0 Agricultural 0 Overseas 0 Services 0 Agricultural 40.0 Others 40.0	-
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 Public Sector 0 Bills Purchased & Discounted 0 Priority Sector 33.8 Due from Banks 0 Non Priority Sector 66.2 Loan From Banks 0
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-

Indian Overseas Bank

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