Indian Bank

Financial

	Indian Bank	IDBI	Canara Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.23 %	3.68 %	2.55 %
Yield On Advances	8.58 %	9.11 %	8.47 %
Gross NPA	3.01 %	2.93 %	2.69 %
Net NPA	0.18 %	0.21 %	0.63 %
CASA Ratio	38.97 %	44.65 %	29.56 %
CASA vs Liabilities	32.39 %	32.88 %	24.41 %
Credit Deposit Ratio	80.77 %	71.38 %	74.7 %
Cost To Income Ratio	45.78 %	48.86 %	46.77 %
Fresh Slippages - Quarterly	1334.0 Crs	504.0 Crs	2129.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.8 %	25.39 %	16.52 %
Tier I Capital	15.74 %	23.71 %	14.58 %
Tier 2 Capital	2.06 %	1.68 %	1.94 %
NBFC
Cost of Borrowing	5.23 %	4.98 %	5.27 %
Financials
5 yr Average ROE	13.61 %	10.61 %	14.15 %
5yr average Equity Multiplier	14.15	7.21	17.53
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	11.04 %	14.64 %	8.44 %
5yr Avg Net Profit Margin	11.04 %	14.64 %	8.44 %
5yr CAGR Net Profit	29.03 %	38.19 %	43.42 %
5yr CAGR Sales	9.76 %	6.6 %	10.34 %
5 yr CAGR PPOP	11.69 %	9.31 %	9.85 %
Price to Book	1.21	1.47	0.91
P/E	8.2	11.86	5.95
Shareholdings
Promoter Holding	73.84 %	94.71 %	62.93 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-6.02 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	5.66 %	0.04 %	0.77 %

Business

	Indian Bank	IDBI	Canara Bank
Loan Break-Up	Loan Break-Up Corporate 34.66 Agricultural 25.93 Retail 22.25 MSME Sector 17.16 Personal Loans 0 Services 0 Industry 0 Agriculture 0	Loan Break-Up Corporate 0 Agricultural 0 Retail 0 MSME Sector 0 Industrial & Commercial 20.93 Services 23.75 Agricultural 9.31 Personal Loan 44.18 Others 1.83	-
Segment Break-Up	Segment Break-Up Consumer Finance 41.46 Corporate Banking 31.42 Treasury Operations 25.09 Retail banking 0 Corporate/Wholesale banking 0 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Others 2.03	Segment Break-Up Treasury Operations 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Consumer Finance 0 Life Insurance Operation 0 Corporate Banking 14.92 Corporate Banking 0 Consumer Finance 57.46 Others 27.62	Segment Break-Up Treasury Operations 19.19 Corporate Banking 29.99 Consumer Finance 41.97 Consumer Finance 0 Life Insurance Business 8.85 Corporate/Wholesale banking 0 Corporate Banking 0 Retail banking 0
Location Wise Break-Up	Location Wise Break-Up India 96.86 Rest of the World 3.14	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 95.67 Rest of the World 4.33
Borrowings Break-Up	Borrowings Break-Up RBI 19.7 Borrowings outside India 3.62 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 Reserve Bank of India 0 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Others 76.68	Borrowings Break-Up OTHER BANKS 0 RBI 0 Basel III Omni Tier 2 Bond 9.53 Borrowings outside India 38.99 Reserve Bank of India 0 OTHER INSTITUTIONS AND AGENCIES 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.52 RESERVE BANK OF INDIA 0 0 Upper Tier II Bonds 0 UNSECURED REDEEMABLE BONDS 0 Others 49.96	Borrowings Break-Up Other banks - India 1.0 RBI 0 Basel III Omni Tier 2 Bond 0 Borrowings outside India 0 Reserve Bank of India 0 Other Institutions & Agencies 24.21 0 RESERVE BANK OF INDIA 0 0 Upper Tier II Bonds 0 UNSECURED REDEEMABLE BONDS 74.79
Profit Before Tax	Profit Before Tax Retail Banking 35.85 Treasury 33.99 Corporate Banking 26.34 Life Insurance 0 Wholesale Banking 0 Others 3.82	Profit Before Tax Treasury 38.87 Life Insurance 0 Corporate Banking 0 Retail Banking 0 Wholesale Banking 0 Others 61.13	Profit Before Tax Treasury 31.72 Life Insurance 0.34 Corporate Banking 0 Retail Banking 67.94 Wholesale Banking 0
Asset Break-Up	Asset Break-Up India 94.63 Others 5.37	-	Asset Break-Up India 91.33 Others 8.67
NPA Break-Up	NPA Break-Up Agricultural 48.0 MSME 41.0 Personal Loan 8.0 Corporate 3.0 Services 0 Industry 0 Corporate & Others 0 Agriculture & Allied 0	-	NPA Break-Up Corporate 0 MSME Sector 26.55 Agricultural 0 Corporate 40.18 Industry 0 Services 0 Agricultural 27.14 Personal Loan 0 Others 6.13

Indian Bank

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