Indian Overseas Bank

Financial

	Indian Overseas Bank	IDBI	Bank Of India
Operational Metrics
Banking Sector
Net Interest Margin	3.12 %	4.72 %	2.85 %
Yield On Advances	8.88 %	10.47 %	8.37 %
Gross NPA	3.9 %	4.69 %	5.35 %
Net NPA	0.62 %	0.34 %	1.41 %
CASA Ratio	43.49 %	49.88 %	43.88 %
CASA vs Liabilities	35.19 %	37.14 %	35.25 %
Credit Deposit Ratio	77.74 %	67.69 %	79.83 %
Cost To Income Ratio	51.35 %	47.22 %	54.87 %
Fresh Slippages - Quarterly	331.0 Crs	525.0 Crs	1172.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.8 %	20.32 %	16.06 %
Tier I Capital	13.95 %	18.04 %	13.87 %
Tier 2 Capital	2.85 %	2.28 %	2.19 %
NBFC
Cost of Borrowing	5.02 %	4.6 %	4.52 %
Financials
5 yr Average ROE	9.76 %	-16.41 %	-0.67 %
5yr average Equity Multiplier	13.96	7.84	13.89
5yr Average Asset Turnover Ratio	0.08	0.08	0.07
5yr Avg Net Profit Margin	6.74 %	-15.41 %	0.17 %
5yr Avg Net Profit Margin	6.74 %	-15.41 %	0.17 %
5yr CAGR Net Profit	55.55 %	n/a	n/a
5yr CAGR Sales	44.71 %	-0.37 %	3.78 %
5 yr CAGR PPOP	57.32 %	15.86 %	10.22 %
Price to Book	4.74	1.98	1.0
P/E	50.52	18.35	10.79
Shareholdings
Promoter Holding	96.38 %	94.71 %	73.38 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.54 %	0.0	-15.72 %
Change in Mutual Fund Holding (3 Yrs)	0.03 %	-0.03 %	4.49 %

Business

	Indian Overseas Bank	IDBI	Bank Of India
Segment Break-Up	Segment Break-Up Consumer Finance 45.44 Corporate Banking 28.97 Treasury Operations 22.83 Retail banking 0 Corporate/Wholesale banking 0 Retail Banking Operations 0 Wholesale Banking Operations 0 Treasury Operations 0 Others 2.76	Segment Break-Up Corporate Banking 14.45 Wholesale Banking Operations 0 Treasury Operations 0 Retail Banking Operations 0 Corporate Banking 0 Consumer Finance 57.02 Consumer Finance 0 Others 28.53	Segment Break-Up Corporate/Wholesale banking 0 Corporate Banking 35.11 Treasury Operations 24.89 Consumer Finance 39.29 Corporate Banking 0 Retail banking 0 Consumer Finance 0 Others 0.71
Loan Break-Up	Loan Break-Up Agriculture 23.28 Personal Loans 0 Services 0 Industry 0 Infrastructure 0 NBFC 0 Realestate 0 Construction 0 Rubber, Plastic & their products 0 0 Chemicals & Chemical products 0 Gems & Jeweler 0 Textiles 0 Basic Metal & Metal products 0 Telecom 0 Roads and Ports 0 Power 0 Personal 0 Education 0 Auto 0 Mortgage 0 Home 0 Others 76.72	Loan Break-Up Auto 0 Gems & Jeweler 0 NBFC 0 Education 0 Infrastructure 0 Personal 0 Power 0 Agricultural 11.17 Industrial & Commercial 22.52 Services 22.82 Textiles 0 Construction 0 0 Chemicals & Chemical products 0 Rubber, Plastic & their products 0 Realestate 0 Home 0 Telecom 0 Personal Loan 38.43 Mortgage 0 Roads and Ports 0 Basic Metal & Metal products 0 Others 5.06	Loan Break-Up Auto 0 Gems & Jewelry 1.74 NBFC 27.73 Education 0 Infrastructure 28.69 Personal 0 Power 0 Agriculture 0 Industry 0 Services 0 Textiles 3.31 Construction 1.77 Automobiles 1.2 Chemicals 2.78 Rubber and plastics 1.38 Realestate 0 Home 0 Telecom 0 Personal Loans 0 Mortgage 0 Roads and Ports 0 Metals 5.89 Others 25.51
Location Wise Break-Up	Location Wise Break-Up India 97.61 Rest of the World 2.39	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 85.44 Rest of the World 14.56
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 76.58 Corporate Banking 10.56 Treasury Operations 4.88 Others 7.98	-	-
Borrowings Break-Up	Borrowings Break-Up Other Institutions & Agencies 74.16 Borrowings outside India 13.99 Subordinated Debt 11.85 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 0	Borrowings Break-Up 0 Subordinated Debt 0 Basel III Omni Tier 2 Bond 20.93 Reserve Bank of India 18.99 0 Other Institutions & Agencies 0 Borrowings outside India 4.42 RBI 0 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 2.39 0 Upper Tier II Bonds 0 Others 53.27	Borrowings Break-Up Reserve Bank of India 4.14 Subordinated Debt 0 Basel III Omni Tier 2 Bond 0 Reserve Bank of India 0 0 Other Institutions & Agencies 0 Borrowings outside India 4.23 RBI 0 0 0 0 Upper Tier II Bonds 0 Others 91.63
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Corporate Banking 33.35 Consumer Finance 32.81 Treasury Operations 30.72 India 0 Others 3.12	Asset Break-Up - Segment Wise Treasury Operations 0 India 0 Corporate Banking 0 Consumer Finance 0 Others 100	Asset Break-Up - Segment Wise Treasury Operations 0 India 85.04 Corporate Banking 0 Consumer Finance 0 Others 14.96
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 51.56 Public Sector 13.88 Bills Purchased & Discounted 3.72 Loan From Banks 1.42 Due from Banks 0 Non Priority Sector 0 Priority sector 0 Others 29.42	Priority vs Non-Priority Sector Priority sector 0 Bills Purchased & Discounted 0 Non Priority Sector 65.58 Loan From Banks 0 Due from Banks 0 Priority Sector 34.42 Public Sector 0	Priority vs Non-Priority Sector Priority Sector 31.18 Bills Purchased & Discounted 0 Non Priority Sector 68.82 Loan From Banks 0 Due from Banks 0 Priority Sector 0 Public Sector 0
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-
NPA Break-Up	NPA Break-Up MSME Sector 27.14 Agricultural 25.86 Overseas 18.94 Corporate 18.03 Retail 10.02 RETAIL 0 AGRICULTURE 0 Large Corporate 0 Others 0.01	-	NPA Break-Up Corporate 0 MSME Sector 0 Large Industries 38.94 Agricultural 19.25 Retail 4.51 Agricultural 0 Overseas 0 Retail 0 Others 37.3

Indian Overseas Bank

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