Bank Of India benchmarking: Performance to industry peers

Financial

	Bank Of India	Indian Overseas Bank	Bank of Maharashtra
Operational Metrics
Banks
Net Interest Margin	2.58 %	3.33 %	3.91 %
Yield On Advances	7.59 %	8.89 %	8.72 %
Gross NPA	1.98 %	1.42 %	1.45 %
Net NPA	0.56 %	0.21 %	0.13 %
CASA Ratio	37.64 %	40.99 %	52.51 %
CASA vs Liabilities	29.71 %	32.32 %	43.07 %
Credit Deposit Ratio	83.19 %	84.31 %	83.28 %
Cost To Income Ratio	49.44 %	44.02 %	36.51 %
Fresh Slippages - Quarterly	1269.0 Crs	366.0 Crs	839.0 Crs
Capital to Risks Assets Ratio (CRAR)	18.01 %	19.78 %	18.36 %
Tier 2 Capital	2.65 %	2.84 %	2.95 %
Tier I Capital	15.36 %	16.94 %	15.41 %
NBFC
Cost of Borrowing	4.49 %	4.9 %	3.95 %
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	0.71	1.75	1.82
P/E	6.19	11.98	8.6
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)	1.74 %	0.12 %	6.04 %

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 Treasury Operations 21.75 Consumer Finance 0 Corporate Banking 0 Consumer Finance 46.28 Treasury Operations 0 Corporate/ Wholesale Banking 0 Corporate Banking 30.49 Others 1.48	Segment Break-Up Treasury Operations 20.39 Consumer Finance 0 Corporate Banking 0 Consumer Finance 44.78 Treasury Operations 0 Corporate Banking 33.77 Corporate / Wholesale Banking 0 Others 1.06
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 Personal 0 Chemicals 0 Auto 0 Home 0 NBFC 0 Metals 0 Real Estate 0 Automobiles 0 Roads and Ports 0 Rubber and plastics 0 Power 0 Infrastructure 0 Construction 0 Retail Sector 0 Textiles 0 Mortgage 0 0 Agriculture Sector 0 Education 0 Corporate & Others 0 Telecom 0 Gems & Jewelry 0 Others 100	Loan Break-Up Personal 0 Chemicals 0 Auto 0 Home 0 NBFC 0 Metals 0 Real Estate 0 Automobiles 0 Roads and Ports 0 Rubber and plastics 0 Power 0 Infrastructure 0 Construction 0 Retail 30.04 Textiles 0 Mortgage 0 MSME Sector 18.73 Agricultural 14.07 Education 0 Corporate 37.16 Telecom 0 Gems & Jewelry 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 & Agencies 48.78 RBI 4.61 Subordinated Debt 5.13 Borrowings outside India 0 Subordinated Debt Bonds 0 Reserve Bank of India 0 Reserve Bank Of India 0 0 Borrowings outside India 33.51 Other Institutions and Agencies 0 Infra Bonds 0 Others 7.97	Borrowings Break-Up Innovative Perpetual Debt Instruments (IPDI) 7.88 Other Institutions & Agencies 0 RBI 0 Subordinated Debt 0 Borrowings outside India 0 Subordinated Debt 17.31 Reserve Bank of India 0 Reserve Bank Of India 0 0 Borrowings Outside India 0 Other Institutions and Agencies 0 Infrastructure Bonds 10.16 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 Treasury Operations 27.44 Corporate Banking 25.83 Consumer Finance 45.73 Others 1.0	-
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 Medium 0 Agriculture 0 Large Corporate & Other 0 Agricultural 26.01 Overseas 31.93 Retail 12.0 Micro & Small 0 Agricultural 0 Corporate 2.65 Large Corporate 0 MSME Sector 27.41	NPA Break-Up Medium 0 Agricultural 73.1 Large Industries 2.05 Agri 0 Overseas 0 Retail 5.46 Micro, Small and Medium Enterprises 19.38 Agricultural 0 Corporate 0 Large Corporate 0 MSME 0 Others 0.01
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 Due from Banks 0 Bills Purchased & Discounted 1.7 Public Sector 7.04 Loan From Banks 2.34 Priority Sector 46.26 Non Priority Sector 0 Others 42.66	-

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