Bank Of India

Financial

	Bank Of India	Bank of Maharashtra	UCO Bank
Operational Metrics
Banking Sector
Net Interest Margin	2.61 %	4.01 %	3.0 %
Yield On Advances	8.27 %	9.3 %	8.5 %
Gross NPA	3.27 %	1.74 %	2.69 %
Net NPA	0.82 %	0.18 %	0.5 %
CASA Ratio	40.28 %	53.28 %	37.91 %
CASA vs Liabilities	31.26 %	44.33 %	30.7 %
Credit Deposit Ratio	79.72 %	76.86 %	74.94 %
Cost To Income Ratio	48.53 %	38.5 %	58.47 %
Fresh Slippages - Quarterly	1913.0 Crs	660.0 Crs	488.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.77 %	20.53 %	18.49 %
Tier 2 Capital	2.3 %	3.67 %	2.12 %
Tier I Capital	15.47 %	16.86 %	16.37 %
NBFC
Cost of Borrowing	4.73 %	4.3 %	4.78 %
Financials
5 yr Average ROE	9.05 %	16.73 %	6.17 %
5yr average Equity Multiplier	13.53	15.54	11.6
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	8.1 %	12.49 %	5.97 %
5yr Avg Net Profit Margin	8.1 %	12.49 %	5.97 %
5yr CAGR Net Profit	35.6 %	57.52 %	76.11 %
5yr CAGR Sales	10.99 %	14.4 %	10.52 %
5 yr CAGR PPOP	9.98 %	18.66 %	7.79 %
Price to Book	0.65	1.45	1.23
P/E	5.54	7.54	15.37
Shareholdings
Promoter Holding	73.38 %	79.6 %	90.95 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-8.03 %	-11.37 %	-4.44 %
Change in Mutual Fund Holding (3 Yrs)	3.76 %	0.81 %	0.04 %

Business

	Bank Of India	Bank of Maharashtra	UCO Bank
Segment Break-Up	Segment Break-Up Consumer Finance 40.23 Corporate Banking 31.74 Treasury Operations 27.9 Retail Banking 0 Corporate/ Wholesale Banking 0 Treasury 0 Corporate/Wholesale Banking 0 Others 0.13	Segment Break-Up Treasury Operations 19.97 Corporate Banking 0 Consumer Finance 0 Corporate/Wholesale Banking 0 Corporate Banking 34.43 Treasury Operations 0 Consumer Finance 43.93 Others 1.67	Segment Break-Up Treasury Operations 24.34 Corporate Banking 0 Consumer Finance 0 Corporate Banking 50.06 Corporate/ Wholesale Banking 0 Treasury Operations 0 Consumer Finance 25.52 Others 0.08
Loan Break-Up	Loan Break-Up Real Estate 23.43 NBFC 20.99 Infrastructure 16.74 Metals 5.62 Chemicals 2.36 Textiles 1.9 Construction 1.3 Rubber and plastics 1.13 Gems & Jewelry 0.81 Automobiles 0.65 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 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Others 25.07	Loan Break-Up Corporate 37.97 Textiles 0 Power 0 Agriculture and allied activities 0 Education 0 Construction 0 Mortgage 0 Chemicals 0 Infrastructure 0 Agricultural 14.82 Telecom 0 Industry 0 NBFC 0 Real Estate 0 Retail 27.04 Home 0 Automobiles 0 Roads and Ports 0 Auto 0 Rubber and plastics 0 MSME Sector 20.17 Metals 0 Personal 0 Gems & Jewelry 0 0 Services 0 Personal Loans 0	Loan Break-Up Corporate & Others 0 Textiles 0 Power 0 Agricultural 13.19 Education 0 Construction 0 Mortgage 0 Chemicals 0 Infrastructure 0 Agriculture Sector 0 Telecom 0 Industrial & Commercial 11.57 NBFC 0 Real Estate 0 Retail Sector 0 Home 0 Automobiles 0 Roads and Ports 0 Auto 0 Rubber and plastics 0 0 Metals 0 Personal 0 Gems & Jewelry 0 Priority Sector 0.93 Services 16.65 Personal Loan 57.66
Location Wise Break-Up	Location Wise Break-Up India 88.22 Rest of the World 11.78	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 94.07 Rest of the World 5.93
Retail Loan Break-Up - Banking	Retail Loan Break-Up - Banking Others 100	-	-
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 17.91 Borrowings outside India 9.94 Other Institutions and Agencies 0 Borrowings Outside India 0 Infra Bonds 0 Subordinated Debt Bonds 0 0 0 Reserve Bank Of India 0 Reserve Bank of India 0 Others 72.15	Borrowings Break-Up Infra Bonds 0 Borrowings Outside India 0 Borrowings outside India 0 Innovative Perpetual Debt Instruments (IPDI) 24.36 Reserve Bank Of India 0 Other Institutions and Agencies 0 Subordinated Debt Bonds 0 Hybrid Debt Capital Instruments issued as Bonds 48.29 Reserve Bank of India 0 Others 27.35	Borrowings Break-Up Infra Bonds 0 Borrowings Outside India 0 Borrowings outside India 1.57 0 Reserve Bank Of India 0 Other Institutions and Agencies 0 Subordinated Debt Bonds 0 0 Reserve Bank of India 16.39 Others 82.04
Profit Before Tax	Profit Before Tax Others 100	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise India 84.41 Others 15.59	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 68.99 Priority Sector 31.01 Non Priority Sector Advance 0 Priority Sector Advance 0	-	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 0 Non Priority Sector 60.53 Priority Sector 39.47
NPA Break-Up	NPA Break-Up Agricultural 43.16 Services 33.45 Industry 14.62 Retail 8.77 MSME 0 Large Corporate 0 Large Corporate & Other 0 Medium 0 Micro & Small 0 Retail 0 Agriculture 0 Others 0 Personal Loans 0 0 Agriculture and allied activities 0	NPA Break-Up Agricultural 70.49 Industry 0 Large Corporate 0 Micro, Small and Medium Enterprises 22.2 Large Industries 2.68 0 Agriculture and allied activities 0 Personal Loans 0 Services 0 Others 0 Medium 0 Retail 4.64 MSME 0 Agricultural 0	NPA Break-Up Agriculture 0 Industrial & Commercial 0.57 Large Corporate 0 Micro & Small 0 Large Corporate & Other 0 Priority Sector 2.03 Agricultural 50.55 Personal Loan 11.67 Services 35.18 Others 0 Medium 0 Retail 0 MSME 0 Agricultural 0

Bank Of India

SIGN UP FOR FREE