Bank Of India benchmarking: Perfomance to industry peers

Financial

	Bank Of India	Bank of Maharashtra	UCO Bank
Operational Metrics
Banking Sector
Net Interest Margin	2.55 %	3.85 %	2.96 %
Yield On Advances	8.01 %	9.19 %	8.26 %
Gross NPA	2.92 %	1.72 %	2.63 %
Net NPA	0.75 %	0.18 %	0.45 %
CASA Ratio	39.88 %	50.35 %	36.91 %
CASA vs Liabilities	30.87 %	41.74 %	30.14 %
Credit Deposit Ratio	80.66 %	82.03 %	75.38 %
Cost To Income Ratio	51.31 %	37.1 %	54.06 %
Fresh Slippages - Quarterly	2080.0 Crs	710.0 Crs	608.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.39 %	18.13 %	18.39 %
Tier 2 Capital	2.24 %	3.17 %	2.03 %
Tier I Capital	15.15 %	14.96 %	16.36 %
NBFC
Cost of Borrowing	4.66 %	4.32 %	4.73 %
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	0.71	1.41	1.27
P/E	6.02	7.28	15.95
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)	4.08 %	0.98 %	0.11 %

Business

	Bank Of India	Bank of Maharashtra	UCO Bank
Segment Break-Up	Segment Break-Up Consumer Finance 35.79 Corporate Banking 33.08 Treasury Operations 30.59 Retail Banking 0 Corporate/ Wholesale Banking 0 Treasury 0 Corporate/Wholesale Banking 0 Others 0.54	Segment Break-Up Corporate Banking 33.19 Treasury Operations 0 Corporate/Wholesale Banking 0 Corporate Banking 0 Treasury Operations 22.59 Consumer Finance 43.34 Consumer Finance 0 Others 0.88	Segment Break-Up Corporate/ Wholesale Banking 0 Treasury Operations 0 Corporate Banking 37.49 Corporate Banking 0 Treasury Operations 28.84 Consumer Finance 33.05 Consumer Finance 0 Others 0.62
Loan Break-Up	Loan Break-Up Real Estate 31.68 NBFC 26.1 Infrastructure 22.79 Metals 7.41 Chemicals 3.0 Textiles 2.48 Construction 1.83 Rubber and plastics 1.55 Gems & Jewelry 1.19 Automobiles 0.82 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 1.15	Loan Break-Up Agriculture and allied activities 0 NBFC 0 Education 0 Retail 30.89 Industry 0 Gems & Jewelry 0 Metals 0 Mortgage 0 Corporate 37.59 Infrastructure 0 Agricultural 13.13 Automobiles 0 Chemicals 0 Telecom 0 MSME Sector 18.38 Rubber and plastics 0 Power 0 Personal Loans 0 Construction 0 Textiles 0 0 Roads and Ports 0 Real Estate 0 Home 0 Personal 0 Services 0 Auto 0 Others 0.01	Loan Break-Up Agricultural 15.13 NBFC 0 Education 0 Retail Sector 0 Industrial & Commercial 12.8 Gems & Jewelry 0 Metals 0 Mortgage 0 Corporate & Others 0 Infrastructure 0 Agriculture Sector 0 Automobiles 0 Chemicals 0 Telecom 0 0 Rubber and plastics 0 Power 0 Personal Loan 52.23 Construction 0 Textiles 0 Priority Sector 1.33 Roads and Ports 0 Real Estate 0 Home 0 Personal 0 Services 18.51 Auto 0
Location Wise Break-Up	Location Wise Break-Up India 88.18 Rest of the World 11.82	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 6.4 India 93.6
Retail Loan Break-Up - Banking	Retail Loan Break-Up - Banking Others 100	-	-
Borrowings Break-Up	Borrowings Break-Up Other Institutions and Agencies 53.16 Reserve Bank of India 24.22 Borrowings outside India 19.31 Borrowings Outside India 0 Infra Bonds 0 Subordinated Debt Bonds 0 0 0 Reserve Bank Of India 0 Reserve Bank of India 0 Others 3.31	Borrowings Break-Up Reserve Bank of India 0 Subordinated Debt 17.31 Innovative Perpetual Debt Instruments (IPDI) 7.88 Borrowings outside India 0 Other Institutions and Agencies 0 Reserve Bank Of India 0 Borrowings Outside India 0 Infrastructure Bonds 10.16 0 Others 64.65	Borrowings Break-Up Reserve Bank of India 17.43 Subordinated Debt Bonds 0 0 Borrowings outside India 1.04 Other Institutions and Agencies 0 Reserve Bank Of India 0 Borrowings Outside India 0 Infra Bonds 0 0 Others 81.53
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise India 83.52 Others 16.48	-	-
Profit Before Tax	Profit Before Tax Others 100	-	-
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 Large Corporate 0 0 Large Industries 0.87 Agricultural 0 Agriculture and allied activities 0 Micro, Small and Medium Enterprises 18.46 Others 0 Agricultural 75.18 MSME 0 Industry 0 Retail 5.49 Services 0 Personal Loans 0 Medium 0	NPA Break-Up Large Corporate 0 Priority Sector 0.88 Large Corporate & Other 0 Agricultural 0 Agricultural 55.33 Micro & Small 0 Others 0 Agriculture 0 MSME 0 Industrial & Commercial 0.08 Retail 0 Services 35.31 Personal Loan 8.4 Medium 0
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 68.35 Priority Sector 31.65 Non Priority Sector Advance 0 Priority Sector Advance 0	-	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 0 Priority Sector 43.87 Non Priority Sector 56.13

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