IDBI Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	IDBI Bank	Indian Bank	Canara Bank
Operational Metrics
Asset Management
% of AUM in equity fund	67.98 %	n/a	n/a
AUM - Mutual Funds	3767.27 Crs	n/a	n/a
5 Yr AUM CAGR - Mutual Funds	-19.47 %	n/a	n/a
Banks
Capital to Risks Assets Ratio (CRAR)	24.63 %	16.58 %	16.5 %
Credit Deposit Ratio	77.56 %	80.77 %	78.38 %
Fresh Slippages - Quarterly	367.0 Crs	997.0 Crs	1857.0 Crs
Gross NPA	2.57 %	2.23 %	2.08 %
Net NPA	0.18 %	0.15 %	0.45 %
CASA Ratio	44.06 %	39.08 %	29.52 %
CASA vs Liabilities	32.07 %	32.66 %	24.58 %
Cost To Income Ratio	47.32 %	46.9 %	46.83 %
Net Interest Margin	3.63 %	3.28 %	2.5 %
Tier I Capital	23.53 %	14.54 %	14.6 %
Tier 2 Capital	1.11 %	2.04 %	1.9 %
Yield On Advances	8.87 %	8.31 %	8.34 %
NBFC
Cost of Borrowing	4.84 %	5.0 %	5.18 %
Financials
5 yr Average ROE	10.61 %	13.61 %	14.15 %
5yr average Equity Multiplier	7.21	14.15	17.53
5yr Average Asset Turnover Ratio	0.08	0.07	0.08
5yr Avg Net Profit Margin	14.64 %	11.04 %	8.44 %
5yr Avg Net Profit Margin	14.64 %	11.04 %	8.44 %
5yr CAGR Net Profit	38.19 %	29.03 %	43.42 %
5yr CAGR Sales	6.6 %	9.76 %	10.34 %
5 yr CAGR PPOP	9.31 %	11.69 %	9.85 %
Price to Book	1.77	1.64	1.19
P/E	13.29	11.41	7.58
Shareholdings
Promoter Holding	94.71 %	73.84 %	62.93 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-6.02 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.05 %	5.23 %	-0.4 %

Business

	IDBI Bank	Indian Bank	Canara Bank
Loan Break-Up	Loan Break-Up Personal Loan 42.76 Services 23.26 Industrial & Commercial 19.96 Agricultural 9.24 Corporate Sector 0 MSME sector 0 Agriculture sector 0 Retail sector 0 Others 4.78	Loan Break-Up Corporate 33.94 Industrial & Commercial 0 Agricultural 25.29 Services 0 MSME Sector 17.73 Retail 23.04 Agricultural 0 Personal Loan 0	-
Segment Break-Up	Segment Break-Up Consumer Finance 60.5 Treasury Operations 24.44 Corporate Banking 14.09 Retail Banking 0 Corporate/ Wholesale Banking 0 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Others 0.97	Segment Break-Up Corporate Banking 32.2 Retail Banking Operations 0 Corporate Banking 0 Treasury Operations 0 Life Insurance Operation 0 Wholesale Banking Operations 0 Consumer Finance 0 Consumer Finance 41.07 Others 26.73	Segment Break-Up Corporate/ Wholesale Banking 0 Consumer Finance 42.02 Corporate Banking 0 Treasury Operations 21.24 Life Insurance Operation 0 Corporate Banking 30.98 Consumer Finance 0 Retail Banking 0 Others 5.76
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 96.87 Rest of the World 3.13	Location Wise Break-Up India 95.74 Rest of the World 4.26
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 RBI 0 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Others 49.96	Borrowings Break-Up Borrowings outside India 3.62 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 0 RESERVE BANK OF INDIA 0 UNSECURED REDEEMABLE BONDS 0 Reserve Bank of India 0 Upper Tier II Bonds 0 Basel III Omni Tier 2 Bond 0 RBI 19.7 Others 76.68	Borrowings Break-Up Borrowings outside India 0 0 Other Institutions & Agencies 24.21 Other banks - India 1.0 0 RESERVE BANK OF INDIA 0 UNSECURED REDEEMABLE BONDS 74.79 Reserve Bank of India 0 Upper Tier II Bonds 0 Basel III Omni Tier 2 Bond 0 RBI 0
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 Treasury 39.65 Corporate Banking 0 Retail Banking 0 Life Insurance 0 Wholesale Banking 0 Others 60.35	Profit Before Tax Wholesale Banking 0 Corporate Banking 28.46 Life Insurance 0 Retail Banking 33.16 Treasury 33.66 Others 4.72	Profit Before Tax Wholesale Banking 0 Corporate Banking 0 Life Insurance 0 Retail Banking 48.08 Treasury 51.32 Others 0.6
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
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 Others 1.18	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 70.37 Priority Sector 29.63 Non-Priority Sector 0	-	Priority vs Non-Priority Sector Non Priority Sector 60.61 Priority Sector 39.39 Non Priority Sector 0

IDBI Bank Ltd.

IDBI Bank Ltd.

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