Indian Overseas Bank

Financial

	Indian Overseas Bank	Bank Of India	IDBI
Operational Metrics
Banking Sector
Net Interest Margin	3.04 %	2.55 %	3.68 %
Yield On Advances	8.92 %	8.01 %	9.11 %
Gross NPA	1.97 %	2.92 %	2.93 %
Net NPA	0.32 %	0.75 %	0.21 %
CASA Ratio	43.78 %	39.88 %	44.65 %
CASA vs Liabilities	35.69 %	30.87 %	32.88 %
Credit Deposit Ratio	79.33 %	80.66 %	71.38 %
Cost To Income Ratio	44.22 %	51.31 %	48.86 %
Fresh Slippages - Quarterly	254.0 Crs	2080.0 Crs	504.0 Crs
Capital to Risks Assets Ratio (CRAR)	18.28 %	17.39 %	25.39 %
Tier I Capital	15.78 %	15.15 %	23.71 %
Tier 2 Capital	2.5 %	2.24 %	1.68 %
NBFC
Cost of Borrowing	5.22 %	4.66 %	4.98 %
Financials
5 yr Average ROE	10.66 %	9.05 %	10.61 %
5yr average Equity Multiplier	13.38	13.53	7.21
5yr Average Asset Turnover Ratio	0.08	0.07	0.08
5yr Avg Net Profit Margin	7.85 %	8.1 %	14.64 %
5yr Avg Net Profit Margin	7.85 %	8.1 %	14.64 %
5yr CAGR Net Profit	34.96 %	35.6 %	38.19 %
5yr CAGR Sales	8.48 %	10.99 %	6.6 %
5 yr CAGR PPOP	8.49 %	9.98 %	9.31 %
Price to Book	2.32	0.71	1.56
P/E	19.57	6.02	12.58
Shareholdings
Promoter Holding	94.61 %	73.38 %	94.71 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.77 %	-8.03 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.06 %	3.6 %	0.04 %

Business

	Indian Overseas Bank	Bank Of India	IDBI
Loan Break-Up	Loan Break-Up Agriculture 29.17 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 Personal Loans 0 Services 0 Industry 0 Others 70.83	Loan Break-Up Industry 0 Auto 0 Telecom 0 Automobiles 0.82 Chemicals 3.0 Personal 0 Infrastructure 22.79 NBFC 26.1 Gems & Jewelry 1.19 Rubber and plastics 1.55 Services 0 Home 0 Metals 7.41 Personal Loans 0 Roads and Ports 0 Power 0 Education 0 Construction 1.83 Agriculture 0 Real Estate 31.68 Mortgage 0 Textiles 2.48 Others 1.15	Loan Break-Up Industrial & Commercial 20.93 Auto 0 Telecom 0 0 Chemicals & Chemical products 0 Personal 0 Infrastructure 0 NBFC 0 Gems & Jeweler 0 Rubber, Plastic & their products 0 Services 23.75 Home 0 Basic Metal & Metal products 0 Personal Loan 44.18 Roads and Ports 0 Power 0 Education 0 Construction 0 Agricultural 9.31 Realestate 0 Mortgage 0 Textiles 0 Others 1.83
Segment Break-Up	Segment Break-Up Consumer Finance 40.59 Corporate Banking 31.91 Treasury Operations 26.06 Retail Banking Operations 0 Wholesale Banking Operations 0 Treasury Operations 0 Retail banking 0 Corporate/Wholesale banking 0 Others 1.44	Segment Break-Up Corporate Banking 0 Corporate/Wholesale banking 0 Consumer Finance 35.79 Consumer Finance 0 Corporate Banking 33.08 Treasury Operations 30.59 Retail banking 0 Others 0.54	Segment Break-Up Corporate Banking 0 Corporate Banking 14.92 Retail Banking Operations 0 Consumer Finance 0 Wholesale Banking Operations 0 Treasury Operations 0 Consumer Finance 57.46 Others 27.62
Location Wise Break-Up	Location Wise Break-Up India 96.74 Rest of the World 3.26	Location Wise Break-Up India 88.18 Rest of the World 11.82	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 40.86 Corporate Banking 34.69 Treasury Operations 22.15 Others 2.3	-	-
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 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 Reserve Bank of India 0 Others 7.97	Borrowings Break-Up 0 RBI 0 Subordinated Debt 0 0 Basel III Omni Tier 2 Bond 0 Other Institutions and Agencies 53.16 Other Institutions & Agencies 0 Reserve Bank of India 24.22 Upper Tier II Bonds 0 Borrowings outside India 19.31 Reserve Bank of India 0 0 0 Others 3.31	Borrowings Break-Up 0 RBI 0 Subordinated Debt 0 0 Basel III Omni Tier 2 Bond 9.53 Other Institutions and Agencies 0 Other Institutions & Agencies 0 0 Upper Tier II Bonds 0 Borrowings outside India 38.99 Reserve Bank of India 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.52 0 Others 49.96
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Consumer Finance 40.17 Treasury Operations 30.02 Corporate Banking 28.36 India 0 Others 1.45	Asset Break-Up - Segment Wise Consumer Finance 0 Treasury Operations 0 India 83.52 Corporate Banking 0 Others 16.48	Asset Break-Up - Segment Wise Consumer Finance 0 Treasury Operations 0 India 0 Corporate Banking 0 Others 100
NPA Break-Up	NPA Break-Up Agricultural 30.96 Overseas 26.01 MSME Sector 22.89 Retail 15.87 Corporate 4.27 RETAIL 0 AGRICULTURE 0 Large Corporate 0	NPA Break-Up Agricultural 43.16 Agricultural 0 MSME Sector 0 Retail 8.77 Overseas 0 Corporate 0 Retail 0 Large Corporate 0 Others 48.07	-
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 Public Sector 0 Priority Sector 0 Non Priority Sector 68.35 Priority Sector 31.65 Loan From Banks 0 Due from Banks 0 Bills Purchased & Discounted 0	Priority vs Non-Priority Sector Public Sector 0 Priority Sector 29.63 Non Priority Sector 70.37 Priority sector 0 Loan From Banks 0 Due from Banks 0 Bills Purchased & Discounted 0

Indian Overseas Bank

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