Indian Bank benchmarking: Performance to industry peers

Financial

	Indian Bank	Canara Bank	PNB
Operational Metrics
Banks
Net Interest Margin	3.35 %	2.51 %	2.47 %
Yield On Advances	8.07 %	8.29 %	7.51 %
Gross NPA	1.98 %	1.84 %	2.95 %
Net NPA	0.15 %	0.43 %	0.29 %
CASA Ratio	39.67 %	29.84 %	37.0 %
CASA vs Liabilities	31.39 %	24.8 %	31.88 %
Credit Deposit Ratio	80.6 %	78.89 %	73.6 %
Cost To Income Ratio	44.99 %	48.45 %	48.42 %
Fresh Slippages - Quarterly	1355.0 Crs	2771.0 Crs	2758.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.93 %	17.04 %	17.74 %
Tier I Capital	16.4 %	14.59 %	15.15 %
Tier 2 Capital	1.53 %	2.45 %	2.59 %
NBFC
Cost of Borrowing	4.88 %	5.09 %	4.44 %
Financials
5 yr Average ROE	13.61 %	14.15 %	6.87 %
5yr average Equity Multiplier	14.15	17.53	14.1
5yr Average Asset Turnover Ratio	0.07	0.08	0.07
5yr Avg Net Profit Margin	11.04 %	8.44 %	6.21 %
5yr Avg Net Profit Margin	11.04 %	8.44 %	6.21 %
5yr CAGR Net Profit	29.03 %	43.42 %	48.47 %
5yr CAGR Sales	9.76 %	10.34 %	8.32 %
5 yr CAGR PPOP	11.69 %	9.85 %	3.55 %
Price to Book	1.38	1.0	0.79
P/E	9.45	6.6	6.42
Shareholdings
Promoter Holding	73.84 %	62.93 %	70.08 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-6.02 %	0.0	-3.07 %
Change in Mutual Fund Holding (3 Yrs)	5.71 %	0.48 %	1.62 %

Business

	Indian Bank	Canara Bank	PNB
Loan Break-Up	Loan Break-Up Corporate 34.55 Agricultural 24.8 Retail 22.9 MSME Sector 17.75	-	-
Segment Break-Up	Segment Break-Up Consumer Finance 40.79 Corporate Banking 32.97 Treasury Operations 22.7 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Corporate/Wholesale Banking 0 Others 3.54	Segment Break-Up Corporate Banking 0 Life Insurance Operation 0 Treasury Operations 21.24 Corporate/Wholesale Banking 0 Corporate Banking 30.98 Consumer Finance 42.02 Consumer Finance 0 Others 5.76	Segment Break-Up Corporate Banking 0 Life Insurance Operation 0 Treasury Operations 0 Corporate Banking 38.42 Wholesale Banking Operations 0 Retail Banking Operations 0 Consumer Finance 0 Others 61.58
Location Wise Break-Up	Location Wise Break-Up India 96.75 Rest of the World 3.25	Location Wise Break-Up Rest of the World 4.26 India 95.74	Location Wise Break-Up Rest of the World 3.46 India 96.54
Borrowings Break-Up	Borrowings Break-Up RBI 19.7 Borrowings outside India 3.62 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Borrowings Outside India 0 Long Term Infrastructure Bonds 0 0 0 Others 76.68	Borrowings Break-Up RBI 0 Long Term Infrastructure Bonds 0 Other banks - India 1.0 UNSECURED REDEEMABLE BONDS 74.79 Other Institutions & Agencies 24.21 0 0 RESERVE BANK OF INDIA 0 Borrowings outside India 0 Borrowings Outside India 0	Borrowings Break-Up RBI 0 Long Term Infrastructure Bonds 3.52 OTHER BANKS 0 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 Reserve Bank of India 34.23 Bonds 23.88 RESERVE BANK OF INDIA 0 Borrowings outside India 0 Borrowings outside India 13.08 Others 25.29
Profit Before Tax	Profit Before Tax Treasury 35.7 Corporate Banking 30.09 Retail Banking 25.98 Life Insurance 0 Wholesale Banking 0 Corporate & Wholesale Banking 0 Others 8.23	Profit Before Tax Corporate Banking 0 Corporate & Wholesale Banking 0 Treasury 51.32 Wholesale Banking 0 Life Insurance 0 Retail Banking 48.08 Others 0.6	Profit Before Tax Corporate Banking 0 Corporate & Wholesale Banking 33.41 Treasury 38.06 Wholesale Banking 0 Life Insurance 0 Retail Banking 25.31 Others 3.22
Asset Break-Up	Asset Break-Up India 94.63 Others 5.37	Asset Break-Up India 91.28 Others 8.72	-
NPA Break-Up	NPA Break-Up Agricultural 54.0 MSME 34.0 Personal Loan 7.0 Corporate 5.0 Services 0 Industry 0 Corporate & Others 0 Agriculture & Allied 0 Agri 0 Education 0 Car/Vehicle Loans 0 Housing 0 Retail Loans 0 Corporates 0	NPA Break-Up Car/Vehicle Loans 0 Corporate 36.43 Education 0 MSME Sector 29.53 Corporates 0 Agricultural 0 Agri 0 Retail Loans 0 Services 0 Industry 0 Agricultural 27.68 Housing 0 Corporate 0 Personal Loan 0 Others 6.36	NPA Break-Up Car/Vehicle Loans 0 Corporate & Others 0 Education 0 Small & Medium Enterprises (SME) loans 44.82 Corporate Banking 0.69 Agricultural 0 Agricultural Loan 47.38 Consumer Finance 7.11 Services 0 Industry 0 Agriculture & Allied 0 Housing 0 Corporate 0 Personal Loan 0

Indian Bank

Indian Bank

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