Indian Bank benchmarking: Perfomance to industry peers

Financial

	Indian Bank	IDBI Bank	Union Bank Of India
Operational Metrics
Banks
Net Interest Margin	3.28 %	3.63 %	2.76 %
Yield On Advances	8.31 %	8.87 %	8.27 %
Gross NPA	2.23 %	2.57 %	3.06 %
Net NPA	0.15 %	0.18 %	0.51 %
CASA Ratio	39.08 %	44.06 %	33.96 %
CASA vs Liabilities	32.66 %	32.07 %	27.74 %
Credit Deposit Ratio	80.77 %	77.56 %	81.15 %
Cost To Income Ratio	46.9 %	47.32 %	49.95 %
Fresh Slippages - Quarterly	997.0 Crs	367.0 Crs	1660.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.58 %	24.63 %	16.49 %
Tier I Capital	14.54 %	23.53 %	13.94 %
Tier 2 Capital	2.04 %	1.11 %	1.43 %
NBFC
Cost of Borrowing	5.0 %	4.84 %	4.6 %
Financials
5 yr Average ROE	13.61 %	10.61 %	12.29 %
5yr average Equity Multiplier	14.15	7.21	15.51
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	11.04 %	14.64 %	8.83 %
5yr Avg Net Profit Margin	11.04 %	14.64 %	8.83 %
5yr CAGR Net Profit	29.03 %	38.19 %	44.48 %
5yr CAGR Sales	9.76 %	6.6 %	9.22 %
5 yr CAGR PPOP	11.69 %	9.31 %	9.57 %
Price to Book	1.41	1.54	0.99
P/E	9.77	11.54	6.87
Shareholdings
Promoter Holding	73.84 %	94.71 %	74.76 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-6.02 %	0.0	-8.73 %
Change in Mutual Fund Holding (3 Yrs)	5.23 %	0.05 %	1.6 %

Business

	Indian Bank	IDBI Bank	Union Bank Of India
Segment Break-Up	Segment Break-Up Consumer Finance 41.07 Corporate Banking 32.2 Treasury Operations 24.23 Retail banking 0 Corporate/Wholesale banking 0 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Others 2.5	Segment Break-Up Corporate Banking 0 Treasure operations 0 Consumer Finance 60.5 Treasury Operations 0 Cooperate/Wholesale Banking 0 Consumer Finance 0 Retail banking Operations 0 Corporate Banking 14.09 Others 25.41	Segment Break-Up Corporate Banking 0 Treasury Operations 23.27 Retail banking 0 Treasury Operations 0 Corporate Banking 32.52 Consumer Finance 0 Consumer Finance 37.76 Corporate/Wholesale banking 0 Others 6.45
Loan Break-Up	Loan Break-Up Corporate 33.94 Agricultural 25.29 Retail 23.04 MSME Sector 17.73 Personal Loans 0 Services 0 Industry 0 Agriculture 0 MSME 0 LC & Other 0 Retail 0	Loan Break-Up MSME 0 Agricultural 0 MSME Sector 0 Industrial & Commercial 19.96 Retail 0 Services 23.26 LC & Other 0 Personal Loan 42.76 Agricultural 9.24 Corporate 0 Others 4.78	Loan Break-Up MSME 15.36 Agricultural 0 MSME Sector 0 Industry 0 Retail 24.15 Services 0 LC & Other 38.84 Personal Loans 0 Agricultural 17.24 Corporate 0 Others 4.41
Location Wise Break-Up	Location Wise Break-Up India 96.87 Rest of the World 3.13	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
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 Borrowings Outside India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 Others 76.68	Borrowings Break-Up Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.52 RBI 0 Perpetual Bonds 0 Borrowings Outside India 0 Tier 2 Bonds 0 Borrowings outside India 38.99 Basel III Omni Tier 2 Bond 9.53 0 Upper Tier 2 Bonds 0 Upper Tier II Bonds 0 Reserve Bank of India 0 Others 49.96	Borrowings Break-Up 0 RBI 0 Perpetual Bonds 35.24 Borrowings outside India 13.35 Tier 2 Bonds 28.92 Borrowings outside India 0 Basel III Omni Tier 2 Bond 0 0 Upper Tier 2 Bonds 0 Upper Tier II Bonds 0 Reserve Bank of India 0 Others 22.49
Profit Before Tax	Profit Before Tax Treasury 33.66 Retail Banking 33.16 Corporate Banking 28.46 Others 4.72	Profit Before Tax Retail Banking 0 Corporate Banking 0 Treasury 39.65 Others 60.35	-
Asset Break-Up	Asset Break-Up India 94.66 Others 5.34	-	Asset Break-Up India 0 Others 100
NPA Break-Up	NPA Break-Up Agricultural 52.0 MSME 37.0 Personal Loan 7.0 Corporate 4.0 Services 0 Industry 0 Medium & Large 0 Micro & Small (MSE) 0 Agriculture 0 Retail Loans 0	-	NPA Break-Up MSME 0 Personal Loan 0 Medium & Large 16.24 Micro, Small and Medium Enterprises 21.29 Consumer Finance 8.58 Agricultural 0 Industry 0 Services 0 Agricultural 45.51 Corporate 0 Others 8.38

Indian Bank

Indian Bank

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