Bank Of India benchmarking: Perfomance to industry peers

Financial

	Bank Of India	Indian Overseas Bank	Bank of Maharashtra
Operational Metrics
Banks
Net Interest Margin	2.57 %	3.42 %	3.88 %
Yield On Advances	7.81 %	9.03 %	8.92 %
Gross NPA	2.26 %	1.54 %	1.6 %
Net NPA	0.6 %	0.24 %	0.15 %
CASA Ratio	37.97 %	40.85 %	49.54 %
CASA vs Liabilities	30.18 %	31.88 %	40.52 %
Credit Deposit Ratio	83.44 %	84.45 %	85.03 %
Cost To Income Ratio	52.02 %	45.74 %	37.19 %
Fresh Slippages - Quarterly	1090.0 Crs	301.0 Crs	749.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.09 %	16.3 %	17.06 %
Tier 2 Capital	2.73 %	2.3 %	3.11 %
Tier I Capital	14.36 %	13.99 %	13.95 %
NBFC
Cost of Borrowing	4.57 %	5.07 %	4.1 %
Financials
5 yr Average ROE	9.05 %	10.66 %	16.73 %
5yr average Equity Multiplier	13.53	13.38	15.54
5yr Average Asset Turnover Ratio	0.07	0.08	0.07
5yr Avg Net Profit Margin	8.1 %	7.85 %	12.49 %
5yr Avg Net Profit Margin	8.1 %	7.85 %	12.49 %
5yr CAGR Net Profit	35.6 %	34.96 %	57.52 %
5yr CAGR Sales	10.99 %	8.48 %	14.4 %
5 yr CAGR PPOP	9.98 %	8.49 %	18.66 %
Price to Book	0.8	1.86	1.41
P/E	7.03	13.42	7.28
Shareholdings
Promoter Holding	73.38 %	92.44 %	73.6 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-8.03 %	-3.94 %	-17.37 %
Change in Mutual Fund Holding (3 Yrs)	2.71 %	0.07 %	5.06 %

Business

	Bank Of India	Indian Overseas Bank	Bank of Maharashtra
Segment Break-Up	Segment Break-Up Consumer Finance 38.54 Corporate Banking 34.32 Treasury Operations 26.41 Retail Banking 0 Corporate / Wholesale Banking 0 Treasury 0 Corporate/ Wholesale Banking 0 Others 0.73	Segment Break-Up Consumer Finance 0 Consumer Finance 43.83 Corporate Banking 28.84 Treasury Operations 0 Corporate Banking 0 Corporate/ Wholesale Banking 0 Treasury Operations 24.35 Others 2.98	Segment Break-Up Consumer Finance 0 Consumer Finance 40.68 Corporate / Wholesale Banking 0 Treasury Operations 0 Corporate Banking 0 Corporate Banking 30.94 Treasury Operations 16.74 Others 11.64
Loan Break-Up	Loan Break-Up Real Estate 24.7 NBFC 20.41 Infrastructure 14.19 Metals 6.12 Chemicals 2.34 Textiles 1.78 Construction 1.12 Rubber and plastics 1.12 Gems & Jewelry 0.82 Automobiles 0.59 Telecom 0 Roads and Ports 0 Power 0 Personal 0 Education 0 Auto 0 Mortgage 0 Home 0 Corporate & Others 0 0 Agriculture Sector 0 Retail Sector 0 Others 26.81	Loan Break-Up Chemicals 0 Gems & Jewelry 0 Automobiles 0 Infrastructure 0 Personal 0 Mortgage 0 Roads and Ports 0 Real Estate 0 Auto 0 Retail Sector 0 0 Agriculture Sector 0 Power 0 Rubber and plastics 0 Textiles 0 Metals 0 Construction 0 Corporate & Others 0 Home 0 Telecom 0 Education 0 NBFC 0 Others 100	Loan Break-Up Chemicals 0 Gems & Jewelry 0 Automobiles 0 Infrastructure 0 Personal 0 Mortgage 0 Roads and Ports 0 Real Estate 0 Auto 0 Retail 30.9 MSME Sector 18.96 Agricultural 13.62 Power 0 Rubber and plastics 0 Textiles 0 Metals 0 Construction 0 Corporate 36.52 Home 0 Telecom 0 Education 0 NBFC 0
Location Wise Break-Up	Location Wise Break-Up India 88.4 Rest of the World 11.6	Location Wise Break-Up India 96.74 Rest of the World 3.26	Location Wise Break-Up India 100.0 Rest of the World 0
Retail Loan Break-Up - Banking	Retail Loan Break-Up - Banking Others 100	-	-
Borrowings Break-Up	Borrowings Break-Up Other Institutions and Agencies 53.16 Reserve Bank of India 24.22 Borrowings outside India 19.31 RBI 0 Borrowings Outside India 0 Subordinated Debt 0 0 0 Other Institutions & Agencies 0 Infra Bonds 0 Subordinated Debt Bonds 0 Reserve Bank Of India 0 Others 3.31	Borrowings Break-Up 0 Other Institutions and Agencies 0 Infra Bonds 0 Subordinated Debt Bonds 0 Borrowings outside India 0 Reserve Bank Of India 0 RBI 4.61 Subordinated Debt 5.13 Reserve Bank of India 0 0 Borrowings outside India 33.51 Other Institutions & Agencies 48.78 Others 7.97	Borrowings Break-Up 0 Other Institutions and Agencies 0 Infrastructure Bonds 10.16 Subordinated Debt 17.31 Borrowings outside India 0 Reserve Bank Of India 0 RBI 0 Subordinated Debt 0 Reserve Bank of India 0 Innovative Perpetual Debt Instruments (IPDI) 7.88 Borrowings Outside India 0 Other Institutions & Agencies 0 Others 64.65
Profit Before Tax	Profit Before Tax Others 100	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise India 85.08 Retail Banking 0 Corporate / Wholesale Banking 0 Treasury 0 Others 14.92	Asset Break-Up - Segment Wise India 0 Consumer Finance 43.53 Corporate Banking 27.51 Treasury Operations 27.92 Others 1.04	-
NPA Break-Up	NPA Break-Up Agricultural 43.16 Retail 8.77 MSME 0 Large Corporate 0 Overseas 0 Corporate 0 Agri 0 Retail 0 Large Corporate & Other 0 Medium 0 Micro & Small 0 Agriculture 0 Others 48.07	NPA Break-Up Large Corporate 0 Agriculture 0 Large Corporate & Other 0 Agricultural 0 Agricultural 27.11 MSME Sector 25.17 Micro & Small 0 Retail 14.37 Corporate 2.6 Overseas 30.75 Medium 0	NPA Break-Up Large Corporate 0 Agricultural 75.18 Large Industries 0.87 Agricultural 0 Agri 0 MSME 0 Micro, Small and Medium Enterprises 18.46 Retail 5.49 Corporate 0 Overseas 0 Medium 0
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 68.35 Priority Sector 31.65 Due from Banks 0 Syndicated Loans 0 Bills Purchased & Discounted 0 Public Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Public Sector 7.04 Non Priority Sector 0 Priority Sector 46.26 Loan From Banks 2.34 Due from Banks 0 Bills Purchased & Discounted 1.7 Others 42.66	-

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