Bank Of India

Financial

	Bank Of India	IDBI	Indian Overseas Bank
Operational Metrics
Banking Sector
Net Interest Margin	2.85 %	4.72 %	3.12 %
Yield On Advances	8.37 %	10.47 %	8.88 %
Gross NPA	5.35 %	4.69 %	3.9 %
Net NPA	1.41 %	0.34 %	0.62 %
CASA Ratio	43.88 %	49.88 %	43.49 %
CASA vs Liabilities	35.25 %	37.14 %	35.19 %
Credit Deposit Ratio	79.83 %	67.69 %	77.74 %
Cost To Income Ratio	54.87 %	47.22 %	51.35 %
Fresh Slippages - Quarterly	1172.0 Crs	525.0 Crs	331.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.06 %	20.32 %	16.8 %
Tier 2 Capital	2.19 %	2.28 %	2.85 %
Tier I Capital	13.87 %	18.04 %	13.95 %
NBFC
Cost of Borrowing	4.52 %	4.6 %	5.02 %
Financials
5 yr Average ROE	-0.67 %	-16.41 %	9.76 %
5yr average Equity Multiplier	13.89	7.84	13.96
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	0.17 %	-15.41 %	6.74 %
5yr Avg Net Profit Margin	0.17 %	-15.41 %	6.74 %
5yr CAGR Net Profit	n/a	n/a	55.55 %
5yr CAGR Sales	3.78 %	-0.37 %	44.71 %
5 yr CAGR PPOP	10.22 %	15.86 %	57.32 %
Price to Book	1.0	1.98	4.74
P/E	10.79	18.35	50.52
Shareholdings
Promoter Holding	73.38 %	94.71 %	96.38 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-15.72 %	0.0	0.54 %
Change in Mutual Fund Holding (3 Yrs)	4.49 %	-0.03 %	0.03 %

Business

	Bank Of India	IDBI	Indian Overseas Bank
Loan Break-Up	Loan Break-Up Infrastructure 28.69 NBFC 27.73 Metals 5.89 Textiles 3.31 Chemicals 2.78 Construction 1.77 Gems & Jewelry 1.74 Rubber and plastics 1.38 Automobiles 1.2 Realestate 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 Agriculture 0 Others 25.51	Loan Break-Up Auto 0 Education 0 Mortgage 0 Power 0 Construction 0 NBFC 0 Gems & Jewelry 0 Agricultural 11.17 Realestate 0 Roads and Ports 0 Personal 0 Metals 0 Textiles 0 Infrastructure 0 Services 22.82 Rubber and plastics 0 Automobiles 0 Industrial & Commercial 22.52 Personal Loan 38.43 Telecom 0 Home 0 Chemicals 0 Others 5.06	Loan Break-Up Auto 0 Education 0 Mortgage 0 Power 0 Construction 0 NBFC 0 Gems & Jewelry 0 Agriculture 23.28 Realestate 0 Roads and Ports 0 Personal 0 Metals 0 Textiles 0 Infrastructure 0 Services 0 Rubber and plastics 0 Automobiles 0 Industry 0 Personal Loans 0 Telecom 0 Home 0 Chemicals 0 Others 76.72
Segment Break-Up	Segment Break-Up Consumer Finance 39.29 Corporate Banking 35.11 Treasury Operations 24.89 Treasury 0 Retail banking 0 Corporate/Wholesale banking 0 Retail Banking 0 Corporate / Wholesale Banking 0 Others 0.71	Segment Break-Up Corporate / Wholesale Banking 0 Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Corporate Banking 14.45 Retail Banking 0 Treasury Operations 26.95 Consumer Finance 57.02 Others 1.58	Segment Break-Up Corporate Banking 28.97 Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Corporate/Wholesale banking 0 Consumer Finance 45.44 Treasury Operations 22.83 Retail banking 0 Others 2.76
Location Wise Break-Up	Location Wise Break-Up India 85.44 Rest of the World 14.56	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 2.39 India 97.61
Retail Loan Break-Up - Banking	Retail Loan Break-Up - Banking Others 100	-	-
Borrowings Break-Up	Borrowings Break-Up Borrowings outside India 4.23 Reserve Bank of India 4.14 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 Reserve Bank of India 0 RBI 0 Borrowings Outside India 0 Subordinated Debt 0 0 0 Other Institutions & Agencies 0 Others 91.63	Borrowings Break-Up Subordinated Debt 0 Borrowings Outside India 0 0 Other Institutions & Agencies 0 Upper Tier II Bonds 0 Basel III Omni Tier 2 Bond 20.93 0 0 Borrowings outside India 4.42 Reserve Bank of India 18.99 RBI 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 2.39 Others 53.27	Borrowings Break-Up Subordinated Debt 11.85 Borrowings outside India 13.99 0 Other Institutions & Agencies 74.16 Upper Tier II Bonds 0 Basel III Omni Tier 2 Bond 0 0 0 Borrowings outside India 0 Reserve Bank of India 0 RBI 0 0
Profit Before Tax	Profit Before Tax Others 100	Profit Before Tax Others 100	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise India 85.04 Retail Banking 0 Corporate / Wholesale Banking 0 Treasury 0 Others 14.96	Asset Break-Up - Segment Wise Treasury 43.57 India 0 Corporate / Wholesale Banking 0 Retail Banking 0 Others 56.43	Asset Break-Up - Segment Wise Treasury Operations 30.72 India 0 Corporate Banking 33.35 Consumer Finance 32.81 Others 3.12
NPA Break-Up	NPA Break-Up Large Industries 38.94 MSME Sector 23.09 Agricultural 19.25 Retail 4.51 Overseas 0 Corporate 0 Agri 0 Retail 0 Others 14.21	-	NPA Break-Up Retail 10.02 Large Industries 0 Agricultural 25.86 Overseas 18.94 Corporate 18.03 Agricultural 0 MSME Sector 0 Others 27.15
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 68.82 Priority Sector 31.18 Priority Sector 0 Due from Banks 0 Syndicated Loans 0 Bills Purchased & Discounted 0 Public Sector 0	Priority vs Non-Priority Sector Due from Banks 0 Priority Sector 34.42 Syndicated Loans 0 Non Priority Sector 65.58 Bills Purchased & Discounted 0 Public Sector 0	Priority vs Non-Priority Sector Due from Banks 0 Priority Sector 51.56 Loan From Banks 1.42 Non Priority Sector 0 Bills Purchased & Discounted 3.72 Public Sector 13.88 Others 29.42

Bank Of India

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