Bank Of India

Financial

	Bank Of India	Bank of Maharashtra	UCO Bank
Operational Metrics
Banking Sector
Net Interest Margin	2.8 %	4.01 %	3.0 %
Yield On Advances	8.55 %	9.3 %	8.5 %
Gross NPA	3.69 %	1.74 %	2.69 %
Net NPA	0.85 %	0.18 %	0.5 %
CASA Ratio	41.05 %	53.28 %	37.91 %
CASA vs Liabilities	32.89 %	44.33 %	30.7 %
Credit Deposit Ratio	81.97 %	76.86 %	74.94 %
Cost To Income Ratio	52.63 %	38.5 %	58.47 %
Fresh Slippages - Quarterly	1045.0 Crs	660.0 Crs	488.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.0 %	20.53 %	18.49 %
Tier 2 Capital	2.4 %	3.67 %	2.12 %
Tier I Capital	13.6 %	16.86 %	16.37 %
NBFC
Cost of Borrowing	4.81 %	4.3 %	4.78 %
Financials
5 yr Average ROE	4.75 %	12.95 %	5.37 %
5yr average Equity Multiplier	13.86	16.06	11.57
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	4.49 %	9.2 %	5.37 %
5yr Avg Net Profit Margin	4.49 %	9.2 %	5.37 %
5yr CAGR Net Profit	n/a	59.15 %	62.91 %
5yr CAGR Sales	6.38 %	12.31 %	7.05 %
5 yr CAGR PPOP	4.2 %	22.96 %	1.98 %
Price to Book	0.64	1.35	1.23
P/E	5.76	7.0	15.44
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 38.3 Corporate Banking 34.06 Treasury Operations 27.53 Retail Banking 0 Corporate/ Wholesale Banking 0 Treasury 0 Corporate/Wholesale Banking 0 Others 0.11	Segment Break-Up Treasury Operations 0 Consumer Finance 0 Corporate Banking 34.43 Corporate Banking 0 Consumer Finance 43.93 Treasury Operations 19.97 Corporate/Wholesale Banking 0 Others 1.67	Segment Break-Up Treasury Operations 0 Consumer Finance 0 Corporate/ Wholesale Banking 0 Corporate Banking 0 Consumer Finance 25.52 Treasury Operations 24.34 Corporate Banking 50.06 Others 0.08
Loan Break-Up	Loan Break-Up Real Estate 30.57 NBFC 26.47 Infrastructure 24.04 Metals 7.7 Chemicals 3.38 Textiles 2.6 Construction 1.79 Rubber and plastics 1.46 Gems & Jewelry 1.11 Automobiles 0.88 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	Loan Break-Up Services 0 Personal 0 MSME Sector 20.17 Real Estate 0 Retail 27.04 Gems & Jewelry 0 Mortgage 0 Agricultural 14.82 Home 0 Industry 0 Construction 0 Power 0 0 Rubber and plastics 0 Auto 0 Chemicals 0 Agriculture and allied activities 0 Roads and Ports 0 Metals 0 Telecom 0 Infrastructure 0 Education 0 Automobiles 0 Corporate 37.97 Textiles 0 Personal Loans 0 NBFC 0	Loan Break-Up Services 16.65 Personal 0 0 Real Estate 0 Retail Sector 0 Gems & Jewelry 0 Mortgage 0 Agriculture Sector 0 Home 0 Industrial & Commercial 11.57 Construction 0 Power 0 Priority Sector 0.93 Rubber and plastics 0 Auto 0 Chemicals 0 Agricultural 13.19 Roads and Ports 0 Metals 0 Telecom 0 Infrastructure 0 Education 0 Automobiles 0 Corporate & Others 0 Textiles 0 Personal Loan 57.66 NBFC 0
Location Wise Break-Up	Location Wise Break-Up India 87.76 Rest of the World 12.24	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 Innovative Perpetual Debt Instruments (IPDI) 24.36 Borrowings Outside India 0 Reserve Bank Of India 0 Infra Bonds 0 Subordinated Debt Bonds 0 Hybrid Debt Capital Instruments issued as Bonds 48.29 Borrowings outside India 0 Other Institutions and Agencies 0 Reserve Bank of India 0 Others 27.35	Borrowings Break-Up 0 Borrowings Outside India 0 Reserve Bank Of India 0 Infra Bonds 0 Subordinated Debt Bonds 0 0 Borrowings outside India 1.57 Other Institutions and Agencies 0 Reserve Bank of India 16.39 Others 82.04
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise India 85.08 Others 14.92	-	-
Profit Before Tax	Profit Before Tax Others 100	-	-
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 Non Priority Sector 60.53 Priority Sector 39.47 Priority Sector 0
NPA Break-Up	NPA Break-Up Large Industries 38.94 MSME Sector 23.09 Agricultural 19.25 Retail 4.51 Large Corporate & Other 0 Medium 0 Micro & Small 0 Retail 0 Agriculture 0 Others 0 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Others 14.21	NPA Break-Up Retail 4.64 Micro, Small and Medium Enterprises 22.2 Services 0 Medium 0 Agricultural 70.49 Others 0 Large Industries 0 MSME Sector 0 Industry 0 Agriculture and allied activities 0 Large Industries 2.68 0 Personal Loans 0 Agricultural 0	NPA Break-Up Retail 0 Micro & Small 0 Services 35.18 Medium 0 Agriculture 0 Others 0 Large Industries 0 MSME Sector 0 Industrial & Commercial 0.57 Agricultural 50.55 Large Corporate & Other 0 Priority Sector 2.03 Personal Loan 11.67 Agricultural 0

Bank Of India

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