IDBI Bank Ltd. benchmarking: Performance to industry peers

Financial

	IDBI Bank	Indian Bank	Canara Bank
Operational Metrics
Asset Management
AUM - Mutual Funds	3767.27 Crs	n/a	n/a
% of AUM in equity fund	67.98 %	n/a	n/a
5 Yr AUM CAGR - Mutual Funds	-19.47 %	n/a	n/a
Banks
CASA Ratio	44.59 %	39.67 %	29.84 %
CASA vs Liabilities	33.18 %	31.39 %	24.8 %
Credit Deposit Ratio	73.06 %	80.6 %	78.89 %
Fresh Slippages - Quarterly	297.0 Crs	1355.0 Crs	2771.0 Crs
Cost To Income Ratio	46.5 %	44.99 %	48.45 %
Net Interest Margin	3.77 %	3.35 %	2.51 %
Gross NPA	2.32 %	1.98 %	1.84 %
Net NPA	0.15 %	0.15 %	0.43 %
Capital to Risks Assets Ratio (CRAR)	26.65 %	17.93 %	17.04 %
Tier I Capital	25.56 %	16.4 %	14.59 %
Tier 2 Capital	1.1 %	1.53 %	2.45 %
Yield On Advances	8.77 %	8.07 %	8.29 %
NBFC
Cost of Borrowing	4.81 %	4.88 %	5.09 %
Financials
5 yr Average ROE	10.61 %	15.24 %	16.55 %
5yr average Equity Multiplier	7.21	13.45	16.96
5yr Average Asset Turnover Ratio	0.08	0.08	0.08
5yr Avg Net Profit Margin	14.64 %	12.64 %	10.15 %
5yr Avg Net Profit Margin	14.64 %	12.64 %	10.15 %
5yr CAGR Net Profit	38.19 %	23.09 %	23.89 %
5yr CAGR Sales	6.6 %	11.1 %	10.19 %
5 yr CAGR PPOP	9.31 %	9.38 %	7.08 %
Price to Book	1.36	1.4	0.99
P/E	10.09	9.58	6.55
Shareholdings
Promoter Holding	94.71 %	73.84 %	62.93 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-6.02 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.04 %	5.71 %	0.48 %

Business

	IDBI Bank	Indian Bank	Canara Bank
Loan Break-Up	Loan Break-Up Personal Loan 42.9 Services 24.93 Industrial & Commercial 20.85 Agricultural 9.25 Corporate Sector 0 MSME sector 0 Agriculture sector 0 Retail sector 0 Others 2.07	Loan Break-Up Agricultural 24.8 Agricultural 0 Services 0 Personal Loan 0 Retail 22.9 MSME Sector 17.75 Corporate 34.55 Industrial & Commercial 0	-
Segment Break-Up	Segment Break-Up Consumer Finance 58.63 Treasury Operations 22.89 Corporate Banking 15.28 Retail Banking 0 Corporate/ Wholesale Banking 0 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Others 3.2	Segment Break-Up Consumer Finance 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Corporate Banking 0 Corporate Banking 32.97 Consumer Finance 40.79 Life Insurance Operation 0 Treasury Operations 0 Others 26.24	Segment Break-Up Consumer Finance 0 Corporate Banking 34.43 Consumer Finance 46.84 Corporate Banking 0 Corporate/ Wholesale Banking 0 Retail Banking 0 Life Insurance Operation 0 Treasury Operations 18.73
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 3.25 India 96.75	Location Wise Break-Up Rest of the World 4.46 India 95.54
Borrowings Break-Up	Borrowings Break-Up Borrowings outside India 38.99 Basel III Omni Tier 2 Bond 9.53 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.52 Upper Tier II Bonds 0 0 Reserve Bank of India 0 RBI 0 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Others 49.96	Borrowings Break-Up RBI 19.7 OTHER BANKS 0 Upper Tier II Bonds 0 Borrowings outside India 3.62 UNSECURED REDEEMABLE BONDS 0 0 OTHER INSTITUTIONS AND AGENCIES 0 Basel III Omni Tier 2 Bond 0 RESERVE BANK OF INDIA 0 0 Reserve Bank of India 0 Others 76.68	Borrowings Break-Up RBI 0 Other banks - India 1.0 Upper Tier II Bonds 0 Borrowings outside India 0 UNSECURED REDEEMABLE BONDS 74.79 0 Other Institutions & Agencies 24.21 Basel III Omni Tier 2 Bond 0 RESERVE BANK OF INDIA 0 0 Reserve Bank of India 0
Investment Break-Up - Life Insurance	Investment Break-Up - Life Insurance Government securities 63.32 Investments in Infrastructure and Social Sector 19.79 Other Approved investments 16.17 Others 0.72	-	-
Profit Before Tax	Profit Before Tax Treasury 20.79 Corporate Banking 0 Retail Banking 0 Life Insurance 0 Wholesale Banking 0 Others 79.21	Profit Before Tax Life Insurance 0 Corporate Banking 30.09 Wholesale Banking 0 Retail Banking 25.98 Treasury 35.7 Others 8.23	Profit Before Tax Life Insurance 0 Corporate Banking 0 Wholesale Banking 1.92 Retail Banking 60.34 Treasury 37.74
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Non-Participating life 41.63 Linked Life 33.14 Participating 23.36 Non-Participating Group 1.67 Non-Participating Group Variables 0.16 Others 0.04	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 67.98 Liquid/ Money Market 17.85 Debt 5.2 Balanced schemes 4.95 ETF 2.84 FMP 0 Gilt 0 Others 1.18	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 70.37 Priority Sector 29.63 Non-Priority Sector 0	-	Priority vs Non-Priority Sector Priority Sector 39.39 Non Priority Sector 0 Non Priority Sector 60.61

IDBI Bank Ltd.

IDBI Bank Ltd.

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