IDBI Bank Ltd.

Financial

	IDBI	Canara Bank	Union Bank Of India
Operational Metrics
Asset Management Sector
AUM - Mutual Funds	3767.27 Crs	110679.03 Crs	21309.89 Crs
% of AUM in equity fund	67.98 %	80.44 %	68.31 %
5 Yr AUM CAGR - Mutual Funds	-19.47 %	43.17 %	40.76 %
Banking Sector
CASA Ratio	46.56 %	31.17 %	33.52 %
CASA vs Liabilities	35.1 %	26.23 %	29.11 %
Credit Deposit Ratio	70.38 %	73.67 %	72.91 %
Fresh Slippages - Quarterly	334.0 Crs	2655.0 Crs	2483.0 Crs
Cost To Income Ratio	43.33 %	47.55 %	48.91 %
Net Interest Margin	4.56 %	2.8 %	2.87 %
Gross NPA	2.98 %	2.94 %	3.6 %
Net NPA	0.15 %	0.7 %	0.63 %
Capital to Risks Assets Ratio (CRAR)	25.05 %	16.33 %	18.02 %
Tier I Capital	23.51 %	14.37 %	16.24 %
Tier 2 Capital	1.54 %	1.96 %	1.77 %
Yield On Advances	9.94 %	8.83 %	8.72 %
NBFC
Cost of Borrowing	4.87 %	5.28 %	4.94 %
Financials
5 yr Average ROE	-1.18 %	14.15 %	6.47 %
5yr average Equity Multiplier	7.59	17.53	16.13
5yr Average Asset Turnover Ratio	0.08	0.08	0.08
5yr Avg Net Profit Margin	0.09 %	8.44 %	4.62 %
5yr Avg Net Profit Margin	0.09 %	8.44 %	4.62 %
5yr CAGR Net Profit	n/a	43.42 %	n/a
5yr CAGR Sales	3.57 %	10.34 %	22.26 %
5 yr CAGR PPOP	13.46 %	9.85 %	25.1 %
Price to Book	1.59	0.93	0.96
P/E	12.83	5.58	6.05
Shareholdings
Promoter Holding	94.71 %	62.93 %	74.76 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-8.74 %
Change in Mutual Fund Holding (3 Yrs)	0.03 %	1.45 %	2.52 %

Business

	IDBI	Canara Bank	Union Bank Of India
Loan Break-Up	Loan Break-Up Personal Loan 41.7 Services 23.36 Industrial & Commercial 21.62 Agricultural 9.0 MSME 0 LC & Other 0 Retail 0 Others 4.32	-	Loan Break-Up Personal Loan 0 MSME 13.88 Agricultural 0 Services 0 LC & Other 45.91 Retail 22.05 Industrial & Commercial 0 Others 18.16
Segment Break-Up	Segment Break-Up Consumer Finance 59.82 Treasury Operations 23.12 Corporate Banking 16.02 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Others 1.04	Segment Break-Up Retail banking Operations 0 Consumer Finance 41.34 Consumer Finance 0 Life Insurance Business 7.5 Cooperate/Wholesale Banking 0 Treasury Operations 17.48 Corporate Banking 33.68 Corporate Banking 0 Treasure operations 0	Segment Break-Up Consumer Finance 34.26 Retail Banking Operations 0 Consumer Finance 0 Life Insurance Operation 0 Corporate Banking 34.32 Treasury Operations 0 Wholesale Banking Operations 0 Corporate Banking 0 Treasury Operations 26.38 Others 5.04
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 95.78 Rest of the World 4.22	Location Wise Break-Up India 100.0 Rest of the World 0
Borrowings Break-Up	Borrowings Break-Up Basel III Omni Tier 2 Bond 15.48 Reserve Bank of India 14.05 Borrowings outside India 8.43 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.77 Upper Tier II Bonds 0 0 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Borrowings Outside India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 Others 60.27	Borrowings Break-Up Upper Tier II Bonds 0 Basel III Omni Tier 2 Bond 0 0 Other banks - India 1.0 Borrowings Outside India 0 Borrowings outside India 0 Reserve Bank of India 0 UNSECURED REDEEMABLE BONDS 74.79 0 Other Institutions & Agencies 24.21 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 RESERVE BANK OF INDIA 0	Borrowings Break-Up Upper Tier II Bonds 0 Basel III Omni Tier 2 Bond 0 0 OTHER BANKS 0 Borrowings outside India 16.6 Borrowings outside India 0 Reserve Bank of India 0 UNSECURED REDEEMABLE BONDS 0 0 OTHER INSTITUTIONS AND AGENCIES 0 Tier 2 Bonds 29.47 Upper Tier 2 Bonds 0 Perpetual Bonds 35.92 RESERVE BANK OF INDIA 0 Others 18.01
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	-	-
Profit Before Tax	Profit Before Tax Life Insurance 0 Wholesale Banking 0 Retail Banking 0 Treasury 0 Others 100	Profit Before Tax Retail Banking 48.22 Treasury 46.35 Life Insurance 0.6 Wholesale Banking 4.83	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 66.2 Priority Sector 33.8 Non-Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 44.29 Non Priority Sector 55.71 Non Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 37.54 Non-Priority Sector 0 Non Priority Sector 62.46
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 FMP 0 Balanced schemes 11.33 Equity 0 Debt 3.16 Liquid/ Money Market 5.52 Gilt 0 ETF 0 Others 79.99	AUM Break-Up - Asset Management FMP 0 Balanced schemes 0 Equity 68.6 Debt 4.2 Liquid/ Money Market 25.81 Gilt 0 ETF 0 Others 1.39

IDBI Bank Ltd.

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