IDBI Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	IDBI	Union Bank Of India	Indian Bank
Operational Metrics
Asset Management
% of AUM in equity fund	67.98 %	63.2 %	n/a
AUM - Mutual Funds	3767.27 Crs	25201.25 Crs	n/a
5 Yr AUM CAGR - Mutual Funds	-19.47 %	40.76 %	n/a
Banks
Capital to Risks Assets Ratio (CRAR)	25.39 %	17.07 %	17.31 %
Credit Deposit Ratio	75.85 %	76.94 %	79.84 %
Fresh Slippages - Quarterly	409.0 Crs	1985.0 Crs	1132.0 Crs
Gross NPA	2.65 %	3.29 %	2.6 %
Net NPA	0.21 %	1.0 %	0.16 %
CASA Ratio	45.81 %	32.56 %	38.87 %
CASA vs Liabilities	33.43 %	27.03 %	32.77 %
Cost To Income Ratio	43.37 %	50.65 %	46.48 %
Net Interest Margin	3.7 %	2.67 %	3.23 %
Tier I Capital	23.79 %	15.58 %	15.27 %
Tier 2 Capital	1.6 %	1.49 %	2.04 %
Yield On Advances	9.09 %	8.34 %	8.4 %
NBFC
Cost of Borrowing	4.9 %	4.86 %	5.09 %
Financials
5 yr Average ROE	10.61 %	12.29 %	13.61 %
5yr average Equity Multiplier	7.21	15.51	14.15
5yr Average Asset Turnover Ratio	0.08	0.08	0.07
5yr Avg Net Profit Margin	14.64 %	8.83 %	11.04 %
5yr Avg Net Profit Margin	14.64 %	8.83 %	11.04 %
5yr CAGR Net Profit	38.19 %	44.48 %	29.03 %
5yr CAGR Sales	6.6 %	9.22 %	9.76 %
5 yr CAGR PPOP	9.31 %	9.57 %	11.69 %
Price to Book	1.58	0.91	1.49
P/E	11.61	6.23	10.17
Shareholdings
Promoter Holding	94.71 %	74.76 %	73.84 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-8.73 %	-6.02 %
Change in Mutual Fund Holding (3 Yrs)	0.03 %	2.69 %	5.81 %

Business

	IDBI	Union Bank Of India	Indian Bank
Segment Break-Up	Segment Break-Up Consumer Finance 55.69 Treasury Operations 29.75 Corporate Banking 13.42 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Retail Banking 0 Corporate/ Wholesale Banking 0 Others 1.14	Segment Break-Up Retail Banking 0 Corporate Banking 0 Corporate/ Wholesale Banking 0 Corporate Banking 34.12 Consumer Finance 0 Treasury Operations 0 Consumer Finance 36.46 Treasury Operations 26.63 Others 2.79	Segment Break-Up Consumer Finance 41.2 Corporate Banking 0 Corporate Banking 31.14 Cooperate/Wholesale Banking 0 Consumer Finance 0 Treasury Operations 0 Retail banking Operations 0 Treasure operations 0 Others 27.66
Loan Break-Up	Loan Break-Up Personal Loan 42.72 Services 23.08 Industrial & Commercial 20.69 Agricultural 9.16 MSME 0 LC & Other 0 Retail 0 Corporate Sector 0 MSME sector 0 Agriculture sector 0 Retail sector 0 Others 4.35	Loan Break-Up MSME 14.82 Agricultural 0 Agriculture sector 0 Industrial & Commercial 0 Retail sector 0 MSME sector 0 LC & Other 44.06 Corporate Sector 0 Personal Loan 0 Services 0 Retail 23.5 Others 17.62	Loan Break-Up MSME 0 Agricultural 0 Agricultural 25.49 Industrial & Commercial 0 Retail 22.75 MSME Sector 17.25 LC & Other 0 Corporate 34.5 Personal Loan 0 Services 0 Retail 0 Others 0.01
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 3.27 India 96.73
Borrowings Break-Up	Borrowings Break-Up Borrowings outside India 38.99 Basel III Omni Tier 2 Bond 9.53 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.52 Upper Tier II Bonds 0 0 Reserve Bank of India 0 Borrowings Outside India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 RBI 0 Others 49.96	Borrowings Break-Up Borrowings outside India 13.35 RBI 0 Borrowings outside India 0 Reserve Bank of India 0 Upper Tier 2 Bonds 0 0 0 Upper Tier II Bonds 0 Basel III Omni Tier 2 Bond 0 Perpetual Bonds 35.24 Tier 2 Bonds 28.92 Others 22.49	Borrowings Break-Up Borrowings Outside India 0 RBI 19.7 Borrowings outside India 3.62 Reserve Bank of India 0 Upper Tier 2 Bonds 0 0 0 Upper Tier II Bonds 0 Basel III Omni Tier 2 Bond 0 Perpetual Bonds 0 Tier 2 Bonds 0 Others 76.68
Investment Break-Up - Life Insurance	Investment Break-Up - Life Insurance Government securities 63.32 Investments in Infrastructure and Social Sector 19.79 Other Approved investments 16.17 Others 0.72	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
Profit Before Tax	Profit Before Tax Treasury 50.77 Corporate Banking 0 Retail Banking 0 Others 49.23	-	Profit Before Tax Treasury 31.54 Corporate Banking 24.81 Retail Banking 32.41 Others 11.24
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Non-Participating life 41.63 Linked Life 33.14 Participating 23.36 Non-Participating Group 1.67 Non-Participating Group Variables 0.16 Others 0.04	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 67.98 Liquid/ Money Market 17.85 Debt 5.2 Balanced schemes 4.95 ETF 2.84 FMP 0 Gilt 0 Equity 0 Others 1.18	AUM Break-Up - Asset Management Liquid/ Money Market 22.06 FMP 0 Gilt 0 Equity 71.11 ETF 0 Balanced schemes 0 Debt 5.42 Others 1.41	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 70.37 Priority Sector 29.63	Priority vs Non-Priority Sector Non Priority Sector 65.77 Priority Sector 34.23	-

IDBI Bank Ltd.

IDBI Bank Ltd.

Financial

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