Bank Of India benchmarking: Perfomance to industry peers

Financial

	Bank Of India	Indian Overseas Bank	Bank of Maharashtra
Operational Metrics
Banks
Net Interest Margin	2.41 %	3.21 %	3.85 %
Yield On Advances	7.81 %	9.19 %	9.19 %
Gross NPA	2.54 %	1.83 %	1.72 %
Net NPA	0.65 %	0.28 %	0.18 %
CASA Ratio	39.39 %	40.52 %	50.35 %
CASA vs Liabilities	30.91 %	33.46 %	41.74 %
Credit Deposit Ratio	83.11 %	81.98 %	82.03 %
Cost To Income Ratio	53.02 %	45.76 %	37.1 %
Fresh Slippages - Quarterly	887.0 Crs	290.0 Crs	710.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.69 %	17.94 %	18.13 %
Tier 2 Capital	2.19 %	2.41 %	3.17 %
Tier I Capital	14.49 %	15.53 %	14.96 %
NBFC
Cost of Borrowing	4.84 %	5.16 %	4.32 %
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	0.78	2.12	1.4
P/E	6.76	16.5	7.2
Shareholdings
Promoter Holding	73.38 %	94.61 %	79.6 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-8.03 %	-1.77 %	-11.37 %
Change in Mutual Fund Holding (3 Yrs)	4.08 %	0.04 %	0.98 %

Business

	Bank Of India	Indian Overseas Bank	Bank of Maharashtra
Segment Break-Up	Segment Break-Up Consumer Finance 38.57 Corporate Banking 33.08 Treasury Operations 27.72 Retail Banking 0 Corporate / Wholesale Banking 0 Treasury 0 Corporate/ Wholesale Banking 0 Others 0.63	Segment Break-Up Corporate Banking 25.75 Consumer Finance 0 Treasury Operations 0 Consumer Finance 47.63 Treasury Operations 24.47 Corporate Banking 0 Corporate/ Wholesale Banking 0 Others 2.15	Segment Break-Up Corporate / Wholesale Banking 0 Consumer Finance 0 Treasury Operations 0 Consumer Finance 43.34 Treasury Operations 22.59 Corporate Banking 0 Corporate Banking 33.19 Others 0.88
Loan Break-Up	Loan Break-Up Real Estate 31.68 NBFC 26.1 Infrastructure 22.79 Metals 7.41 Chemicals 3.0 Textiles 2.48 Construction 1.83 Rubber and plastics 1.55 Gems & Jewelry 1.19 Automobiles 0.82 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 1.15	Loan Break-Up Power 0 Telecom 0 Retail Sector 0 Infrastructure 0 Metals 0 Mortgage 0 Roads and Ports 0 Agriculture Sector 0 Auto 0 Textiles 0 0 Rubber and plastics 0 Corporate & Others 0 Construction 0 Personal 0 Home 0 Chemicals 0 Real Estate 0 Gems & Jewelry 0 Automobiles 0 NBFC 0 Education 0 Others 100	Loan Break-Up Power 0 Telecom 0 Retail 30.89 Infrastructure 0 Metals 0 Mortgage 0 Roads and Ports 0 Agricultural 13.13 Auto 0 Textiles 0 MSME Sector 18.38 Rubber and plastics 0 Corporate 37.59 Construction 0 Personal 0 Home 0 Chemicals 0 Real Estate 0 Gems & Jewelry 0 Automobiles 0 NBFC 0 Education 0 Others 0.01
Location Wise Break-Up	Location Wise Break-Up India 87.96 Rest of the World 12.04	Location Wise Break-Up Rest of the World 3.26 India 96.74	Location Wise Break-Up Rest of the World 0 India 100.0
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 Subordinated Debt 5.13 Infra Bonds 0 Other Institutions & Agencies 48.78 Reserve Bank Of India 0 RBI 4.61 Subordinated Debt Bonds 0 Borrowings outside India 33.51 Other Institutions and Agencies 0 0 0 Borrowings outside India 0 Reserve Bank of India 0 Others 7.97	Borrowings Break-Up Subordinated Debt 0 Infrastructure Bonds 10.16 Other Institutions & Agencies 0 Reserve Bank Of India 0 RBI 0 Subordinated Debt 17.31 Borrowings Outside India 0 Other Institutions and Agencies 0 0 Innovative Perpetual Debt Instruments (IPDI) 7.88 Borrowings outside India 0 Reserve Bank of India 0 Others 64.65
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise India 86.29 Retail Banking 0 Corporate / Wholesale Banking 0 Treasury 0 Others 13.71	Asset Break-Up - Segment Wise Corporate Banking 27.56 Consumer Finance 42.05 Treasury Operations 29.32 India 0 Others 1.07	-
Profit Before Tax	Profit Before Tax Others 100	-	-
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 Due from Banks 0 Non Priority Sector 0 Priority Sector 46.26 Bills Purchased & Discounted 1.7 Loan From Banks 2.34 Others 42.66	-
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 Agriculture 0 Corporate 3.29 Overseas 27.25 Micro & Small 0 Agricultural 30.31 Large Corporate 0 Retail 16.52 Large Corporate & Other 0 Medium 0 MSME Sector 22.63 Agricultural 0	NPA Break-Up Agricultural 75.18 Corporate 0 Overseas 0 Micro, Small and Medium Enterprises 18.46 Agri 0 Large Corporate 0 Retail 5.49 Large Industries 0.87 Medium 0 MSME 0 Agricultural 0

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