Indian Overseas Bank benchmarking: Perfomance to industry peers

Financial

	Indian Overseas Bank	Bank Of India	Bank of Maharashtra
Operational Metrics
Banks
Net Interest Margin	3.42 %	2.57 %	3.88 %
Yield On Advances	9.03 %	7.81 %	8.92 %
Gross NPA	1.54 %	2.26 %	1.6 %
Net NPA	0.24 %	0.6 %	0.15 %
CASA Ratio	40.85 %	37.97 %	49.54 %
CASA vs Liabilities	31.88 %	30.18 %	40.52 %
Credit Deposit Ratio	84.45 %	83.44 %	85.03 %
Cost To Income Ratio	45.74 %	52.02 %	37.19 %
Fresh Slippages - Quarterly	301.0 Crs	1090.0 Crs	749.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.3 %	17.09 %	17.06 %
Tier I Capital	13.99 %	14.36 %	13.95 %
Tier 2 Capital	2.3 %	2.73 %	3.11 %
NBFC
Cost of Borrowing	5.07 %	4.57 %	4.1 %
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	1.86	0.8	1.41
P/E	13.42	7.03	7.28
Shareholdings
Promoter Holding	92.44 %	73.38 %	73.6 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.94 %	-8.03 %	-17.37 %
Change in Mutual Fund Holding (3 Yrs)	0.07 %	2.71 %	5.06 %

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 Power 0 Telecom 0 Rubber and plastics 1.12 NBFC 20.41 Textiles 1.78 Roads and Ports 0 Retail Sector 0 Chemicals 2.34 0 Real Estate 24.7 Infrastructure 14.19 Automobiles 0.59 Home 0 Personal 0 Construction 1.12 Corporate & Others 0 Agriculture Sector 0 Auto 0 Mortgage 0 Gems & Jewelry 0.82 Metals 6.12 Education 0 Others 26.81	Loan Break-Up Power 0 Telecom 0 Rubber, Plastic & their products 0 NBFC 0 Textiles 0 Roads and Ports 0 Retail 30.9 Chemicals & Chemical products 0 MSME Sector 18.96 Realestate 0 Infrastructure 0 0 Home 0 Personal 0 Construction 0 Corporate 36.52 Agricultural 13.62 Auto 0 Mortgage 0 Gems & Jeweler 0 Basic Metal & Metal products 0 Education 0
Segment Break-Up	Segment Break-Up Consumer Finance 43.83 Corporate Banking 28.84 Treasury Operations 24.35 Retail Banking Operations 0 Wholesale Banking Operations 0 Treasury Operations 0 Corporate/ Wholesale Banking 0 Others 2.98	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Consumer Finance 38.54 Treasury Operations 26.41 Corporate Banking 34.32 Corporate/ Wholesale Banking 0 Others 0.73	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Retail Banking Operations 0 Treasury Operations 0 Wholesale Banking Operations 0 Corporate Banking 30.94 Others 69.06
Location Wise Break-Up	Location Wise Break-Up India 96.74 Rest of the World 3.26	Location Wise Break-Up India 88.4 Rest of the World 11.6	Location Wise Break-Up India 100.0 Rest of the World 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 Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Corporate & Wholesale Banking 36.85 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 Other Institutions and Agencies 53.16 Reserve Bank Of India 0 0 Infra Bonds 0 Borrowings outside India 19.31 Subordinated Debt 0 Subordinated Debt Bonds 0 RBI 0 Reserve Bank of India 24.22 Other Institutions & Agencies 0 Others 3.31	Borrowings Break-Up Innovative Perpetual Debt Instruments (IPDI) 7.88 Other Institutions and Agencies 0 Reserve Bank Of India 0 0 Infrastructure Bonds 10.16 Borrowings outside India 0 Subordinated Debt 0 Subordinated Debt 17.31 RBI 0 0 Other Institutions & Agencies 0 Others 64.65
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Consumer Finance 43.53 Treasury Operations 27.92 Corporate Banking 27.51 India 0 Others 1.04	Asset Break-Up - Segment Wise India 85.08 Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Others 14.92	-
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 0 Public Sector 0 Loan From Banks 0 Priority Sector 31.65 Due from Banks 0 Bills Purchased & Discounted 0 Non Priority Sector 68.35	-
NPA Break-Up	NPA Break-Up Overseas 30.75 Agricultural 27.11 MSME Sector 25.17 Retail 14.37 Corporate 2.6 RETAIL 0 AGRICULTURE 0 Large Corporate 0 Large Corporate & Other 0 Medium 0 Micro & Small 0 Agriculture 0	NPA Break-Up Retail 0 Corporate 0 Overseas 0 Retail 8.77 Medium 0 Agricultural 0 Micro & Small 0 MSME Sector 0 Large Corporate 0 Agriculture 0 Agricultural 43.16 Large Corporate & Other 0 Others 48.07	NPA Break-Up Retail 5.49 Corporate 0 Overseas 0 RETAIL 0 Medium 0 Agricultural 0 Micro, Small and Medium Enterprises 18.46 MSME Sector 0 Large Corporate 0 Agricultural 75.18 AGRICULTURE 0 Large Industries 0.87

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Indian Overseas Bank

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