Indian Overseas Bank benchmarking: Perfomance to industry peers

Financial

	Indian Overseas Bank	Bank Of India	Bank of Maharashtra
Operational Metrics
Banks
Net Interest Margin	3.21 %	2.41 %	3.85 %
Yield On Advances	9.19 %	7.81 %	9.19 %
Gross NPA	1.83 %	2.54 %	1.72 %
Net NPA	0.28 %	0.65 %	0.18 %
CASA Ratio	40.52 %	39.39 %	50.35 %
CASA vs Liabilities	33.46 %	30.91 %	41.74 %
Credit Deposit Ratio	81.98 %	83.11 %	82.03 %
Cost To Income Ratio	45.76 %	53.02 %	37.1 %
Fresh Slippages - Quarterly	290.0 Crs	887.0 Crs	710.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.94 %	16.69 %	18.13 %
Tier I Capital	15.53 %	14.49 %	14.96 %
Tier 2 Capital	2.41 %	2.19 %	3.17 %
NBFC
Cost of Borrowing	5.16 %	4.84 %	4.32 %
Financials
5 yr Average ROE	10.66 %	9.05 %	16.73 %
5yr average Equity Multiplier	13.38	13.53	15.54
5yr Average Asset Turnover Ratio	0.08	0.07	0.07
5yr Avg Net Profit Margin	7.85 %	8.1 %	12.49 %
5yr Avg Net Profit Margin	7.85 %	8.1 %	12.49 %
5yr CAGR Net Profit	34.96 %	35.6 %	57.52 %
5yr CAGR Sales	8.48 %	10.99 %	14.4 %
5 yr CAGR PPOP	8.49 %	9.98 %	18.66 %
Price to Book	2.12	0.78	1.4
P/E	16.5	6.76	7.2
Shareholdings
Promoter Holding	94.61 %	73.38 %	79.6 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.77 %	-8.03 %	-11.37 %
Change in Mutual Fund Holding (3 Yrs)	0.04 %	4.08 %	0.98 %

Business

	Indian Overseas Bank	Bank Of India	Bank of Maharashtra
Loan Break-Up	Loan Break-Up Infrastructure 0 NBFC 0 Realestate 0 Construction 0 Rubber, Plastic & their products 0 0 Chemicals & Chemical products 0 Gems & Jeweler 0 Textiles 0 Basic Metal & Metal products 0 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 100	Loan Break-Up Textiles 2.48 Infrastructure 22.79 Real Estate 31.68 Gems & Jewelry 1.19 Rubber and plastics 1.55 NBFC 26.1 0 Agriculture Sector 0 Retail Sector 0 Automobiles 0.82 Power 0 Metals 7.41 Auto 0 Roads and Ports 0 Telecom 0 Corporate & Others 0 Chemicals 3.0 Construction 1.83 Personal 0 Education 0 Mortgage 0 Home 0 Others 1.15	Loan Break-Up Textiles 0 Infrastructure 0 Realestate 0 Gems & Jeweler 0 Rubber, Plastic & their products 0 NBFC 0 MSME Sector 18.38 Agricultural 13.13 Retail 30.89 0 Power 0 Basic Metal & Metal products 0 Auto 0 Roads and Ports 0 Telecom 0 Corporate 37.59 Chemicals & Chemical products 0 Construction 0 Personal 0 Education 0 Mortgage 0 Home 0 Others 0.01
Segment Break-Up	Segment Break-Up Consumer Finance 47.63 Corporate Banking 25.75 Treasury Operations 24.47 Retail Banking Operations 0 Wholesale Banking Operations 0 Treasury Operations 0 Corporate/ Wholesale Banking 0 Others 2.15	Segment Break-Up Consumer Finance 0 Corporate Banking 33.08 Consumer Finance 38.57 Treasury Operations 27.72 Corporate/ Wholesale Banking 0 Corporate Banking 0 Others 0.63	Segment Break-Up Consumer Finance 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Corporate Banking 33.19 Corporate Banking 0 Others 66.81
Location Wise Break-Up	Location Wise Break-Up India 96.74 Rest of the World 3.26	Location Wise Break-Up Rest of the World 12.04 India 87.96	Location Wise Break-Up Rest of the World 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 62.67 Treasury Operations 18.61 Corporate Banking 13.96 Corporate & Wholesale Banking 0 Others 4.76	-	Operating Profit Break-Up Consumer Finance 0 Corporate & Wholesale Banking 36.85 Corporate Banking 0 Treasury Operations 0 Others 63.15
Borrowings Break-Up	Borrowings Break-Up Other Institutions & Agencies 48.78 Borrowings outside India 33.51 Subordinated Debt 5.13 RBI 4.61 0 0 Other Institutions and Agencies 0 Borrowings outside India 0 0 Infra Bonds 0 Subordinated Debt Bonds 0 Reserve Bank Of India 0 Others 7.97	Borrowings Break-Up 0 Subordinated Debt 0 RBI 0 0 Infra Bonds 0 Other Institutions & Agencies 0 Reserve Bank of India 24.22 Reserve Bank Of India 0 Other Institutions and Agencies 53.16 Borrowings outside India 19.31 Subordinated Debt Bonds 0 Others 3.31	Borrowings Break-Up Innovative Perpetual Debt Instruments (IPDI) 7.88 Subordinated Debt 0 RBI 0 0 Infrastructure Bonds 10.16 Other Institutions & Agencies 0 0 Reserve Bank Of India 0 Other Institutions and Agencies 0 Borrowings outside India 0 Subordinated Debt 17.31 Others 64.65
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Consumer Finance 42.05 Treasury Operations 29.32 Corporate Banking 27.56 India 0 Others 1.07	Asset Break-Up - Segment Wise Consumer Finance 0 India 86.29 Corporate Banking 0 Treasury Operations 0 Others 13.71	-
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 46.26 Public Sector 7.04 Loan From Banks 2.34 Bills Purchased & Discounted 1.7 Due from Banks 0 Non Priority Sector 0 Priority sector 0 Others 42.66	Priority vs Non-Priority Sector Priority Sector 31.65 Non Priority Sector 68.35 Due from Banks 0 Public Sector 0 Priority Sector 0 Bills Purchased & Discounted 0 Loan From Banks 0	-
NPA Break-Up	NPA Break-Up Agricultural 30.31 Overseas 27.25 MSME Sector 22.63 Retail 16.52 Corporate 3.29 RETAIL 0 AGRICULTURE 0 Large Corporate 0 Large Corporate & Other 0 Medium 0 Micro & Small 0 Agriculture 0	NPA Break-Up Agriculture 0 Micro & Small 0 Agricultural 0 Medium 0 Large Corporate 0 Large Corporate & Other 0 Retail 8.77 Retail 0 MSME Sector 0 Agricultural 43.16 Overseas 0 Corporate 0 Others 48.07	NPA Break-Up Agricultural 75.18 Micro, Small and Medium Enterprises 18.46 Agricultural 0 Medium 0 Large Corporate 0 Large Industries 0.87 RETAIL 0 Retail 5.49 MSME Sector 0 AGRICULTURE 0 Overseas 0 Corporate 0

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