IDBI Bank Ltd. benchmarking: Performance to industry peers

Financial

	IDBI Bank	Indian Bank	Canara Bank
Operational Metrics
Asset Management
AUM - Mutual Funds	3767.27 Crs	n/a	n/a
% of AUM in equity fund	67.98 %	n/a	n/a
5 Yr AUM CAGR - Mutual Funds	-19.47 %	n/a	n/a
Banks
CASA Ratio	43.64 %	39.73 %	29.7 %
CASA vs Liabilities	31.98 %	33.32 %	24.77 %
Credit Deposit Ratio	79.5 %	81.06 %	80.25 %
Fresh Slippages - Quarterly	442.0 Crs	1250.0 Crs	1781.0 Crs
Cost To Income Ratio	52.02 %	44.8 %	49.03 %
Net Interest Margin	3.61 %	3.41 %	2.52 %
Gross NPA	2.3 %	1.86 %	1.57 %
Net NPA	0.16 %	0.15 %	0.36 %
Capital to Risks Assets Ratio (CRAR)	26.92 %	17.58 %	17.17 %
Tier I Capital	26.38 %	16.51 %	15.0 %
Tier 2 Capital	0.54 %	1.07 %	2.17 %
Yield On Advances	8.46 %	8.09 %	8.0 %
NBFC
Cost of Borrowing	4.68 %	4.83 %	4.87 %
Financials
5 yr Average ROE	12.94 %	15.24 %	16.55 %
5yr average Equity Multiplier	6.99	13.45	16.96
5yr Average Asset Turnover Ratio	0.08	0.08	0.08
5yr Avg Net Profit Margin	18.59 %	12.64 %	10.15 %
5yr Avg Net Profit Margin	18.59 %	12.64 %	10.15 %
5yr CAGR Net Profit	29.45 %	23.09 %	23.89 %
5yr CAGR Sales	8.93 %	11.1 %	10.19 %
5 yr CAGR PPOP	6.81 %	9.38 %	7.08 %
Price to Book	1.29	1.33	0.93
P/E	9.75	8.75	5.81
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)	0.06 %	5.63 %	1.69 %

Business

	IDBI Bank	Indian Bank	Canara Bank
Loan Break-Up	Loan Break-Up Personal Loan 43.24 Services 24.36 Industrial & Commercial 21.16 Agricultural 9.04 Corporate Sector 0 MSME sector 0 Agriculture sector 0 Retail sector 0 Others 2.2	Loan Break-Up Corporate 34.0 Industrial & Commercial 0 MSME Sector 17.67 Services 0 Agricultural 0 Agricultural 25.09 Personal Loan 0 Retail 23.24	-
Segment Break-Up	Segment Break-Up Consumer Finance 62.37 Treasury Operations 22.45 Corporate Banking 14.38 Retail Banking 0 Corporate/ Wholesale Banking 0 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Others 0.8	Segment Break-Up Treasury Operations 0 Life Insurance Operation 0 Corporate Banking 32.64 Consumer Finance 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Consumer Finance 40.42 Corporate Banking 0 Others 26.94	Segment Break-Up Treasury Operations 18.36 Life Insurance Operation 0 Corporate/ Wholesale Banking 0 Consumer Finance 0 Corporate Banking 31.47 Consumer Finance 50.17 Retail Banking 0 Corporate Banking 0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 3.04 India 96.96	Location Wise Break-Up Rest of the World 4.7 India 95.3
Borrowings Break-Up	Borrowings Break-Up Borrowings outside India 38.5 Reserve Bank of India 17.79 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 RBI 0 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Others 43.71	Borrowings Break-Up Borrowings outside India 3.62 0 Upper Tier II Bonds 0 RBI 19.7 Basel III Omni Tier 2 Bond 0 Reserve Bank of India 0 RESERVE BANK OF INDIA 0 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 UNSECURED REDEEMABLE BONDS 0 Others 76.68	Borrowings Break-Up Borrowings outside India 0 0 Upper Tier II Bonds 0 RBI 0 Basel III Omni Tier 2 Bond 0 Reserve Bank of India 0 Reserve Bank of India 28.71 0 Other Institutions & Agencies 10.48 Other banks - India 19.7 UNSECURED REDEEMABLE BONDS 41.11
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 48.68 Corporate Banking 0 Retail Banking 0 Life Insurance 0 Wholesale Banking 0 Others 51.32	Profit Before Tax Life Insurance 0 Treasury 33.74 Wholesale Banking 0 Retail Banking 32.49 Corporate Banking 29.22 Others 4.55	Profit Before Tax Life Insurance 0 Treasury 19.96 Wholesale Banking 3.34 Retail Banking 76.7 Corporate Banking 0
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 67.4 Priority Sector 32.6 Non-Priority Sector 0	-	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 39.38 Non Priority Sector 60.62
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	-	-

IDBI Bank Ltd.

IDBI Bank Ltd.

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