IDBI Bank Ltd. benchmarking: Performance to industry peers

Financial

	IDBI Bank	Indian Overseas Bank	Bank Of India
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	44.59 %	40.99 %	37.64 %
CASA vs Liabilities	33.18 %	32.32 %	29.71 %
Credit Deposit Ratio	73.06 %	84.31 %	83.19 %
Fresh Slippages - Quarterly	297.0 Crs	366.0 Crs	1269.0 Crs
Cost To Income Ratio	46.5 %	44.02 %	49.44 %
Net Interest Margin	3.77 %	3.33 %	2.58 %
Gross NPA	2.32 %	1.42 %	1.98 %
Net NPA	0.15 %	0.21 %	0.56 %
Capital to Risks Assets Ratio (CRAR)	26.65 %	19.78 %	18.01 %
Tier I Capital	25.56 %	16.94 %	15.36 %
Tier 2 Capital	1.1 %	2.84 %	2.65 %
Yield On Advances	8.77 %	8.89 %	7.59 %
NBFC
Cost of Borrowing	4.81 %	4.9 %	4.49 %
Financials
5 yr Average ROE	10.61 %	10.66 %	10.56 %
5yr average Equity Multiplier	7.21	13.38	13.22
5yr Average Asset Turnover Ratio	0.08	0.08	0.07
5yr Avg Net Profit Margin	14.64 %	7.85 %	9.63 %
5yr Avg Net Profit Margin	14.64 %	7.85 %	9.63 %
5yr CAGR Net Profit	38.19 %	34.96 %	24.16 %
5yr CAGR Sales	6.6 %	8.48 %	13.1 %
5 yr CAGR PPOP	9.31 %	8.49 %	11.45 %
Price to Book	1.15	1.71	0.69
P/E	8.54	11.65	6.07
Shareholdings
Promoter Holding	94.71 %	92.44 %	73.38 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-3.94 %	-8.03 %
Change in Mutual Fund Holding (3 Yrs)	0.04 %	0.12 %	1.74 %

Business

	IDBI Bank	Indian Overseas Bank	Bank Of India
Loan Break-Up	Loan Break-Up Personal Loan 42.76 Services 23.26 Industrial & Commercial 19.96 Agricultural 9.24 Infrastructure 0 NBFC 0 Realestate 0 Construction 0 Rubber, Plastic & their products 0 0 Chemicals & Chemical products 0 Gems & Jeweler 0 Textiles 0 Basic Metal & Metal products 0 Telecom 0 Roads and Ports 0 Power 0 Personal 0 Education 0 Auto 0 Mortgage 0 Home 0 Others 4.78	Loan Break-Up Agricultural 0 Education 0 Construction 0 Infrastructure 0 0 Industrial & Commercial 0 Power 0 Realestate 0 Mortgage 0 Textiles 0 Home 0 Services 0 Personal Loan 0 Telecom 0 Roads and Ports 0 Rubber, Plastic & their products 0 Personal 0 NBFC 0 Chemicals & Chemical products 0 Auto 0 Basic Metal & Metal products 0 Gems & Jeweler 0 Others 100	Loan Break-Up Agricultural 0 Education 0 Construction 1.12 Infrastructure 14.19 Automobiles 0.59 Industrial & Commercial 0 Power 0 Real Estate 24.7 Mortgage 0 Textiles 1.78 Home 0 Services 0 Personal Loan 0 Telecom 0 Roads and Ports 0 Rubber and plastics 1.12 Personal 0 NBFC 20.41 Chemicals 2.34 Auto 0 Metals 6.12 Gems & Jewelry 0.82 Others 26.81
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 Retail Banking Operations 0 Wholesale Banking Operations 0 Treasury Operations 0 Others 0.97	Segment Break-Up Treasury Operations 0 Consumer Finance 0 Wholesale Banking Operations 0 Corporate Banking 0 Corporate Banking 30.49 Consumer Finance 46.28 Retail Banking Operations 0 Others 23.23	Segment Break-Up Treasury Operations 26.41 Consumer Finance 0 Corporate Banking 34.32 Corporate Banking 0 Corporate / Wholesale Banking 0 Retail Banking 0 Consumer Finance 38.54 Others 0.73
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 96.74 Rest of the World 3.26	Location Wise Break-Up India 88.4 Rest of the World 11.6
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 Borrowings Outside India 0 Subordinated Debt 0 0 0 Other Institutions & Agencies 0 Other Institutions and Agencies 0 0 Others 49.96	Borrowings Break-Up Reserve Bank of India 0 Upper Tier II Bonds 0 0 Subordinated Debt 5.13 Borrowings outside India 0 0 0 Basel III Omni Tier 2 Bond 0 Other Institutions & Agencies 48.78 Other Institutions and Agencies 0 Borrowings outside India 33.51 0 0 RBI 4.61 Others 7.97	Borrowings Break-Up Reserve Bank of India 0 Upper Tier II Bonds 0 0 Subordinated Debt 0 Borrowings outside India 19.31 0 0 Basel III Omni Tier 2 Bond 0 Other Institutions & Agencies 0 Other Institutions and Agencies 53.16 Borrowings Outside India 0 Reserve Bank of India 24.22 0 RBI 0 Others 3.31
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 Others 100	-	Profit Before Tax Others 100
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Treasury 38.39 Retail Banking 0 Corporate / Wholesale Banking 0 India 0 Others 61.61	Asset Break-Up - Segment Wise India 0 Consumer Finance 45.73 Treasury Operations 27.44 Corporate Banking 25.83 Others 1.0	Asset Break-Up - Segment Wise India 85.08 Retail Banking 0 Treasury 0 Corporate / Wholesale Banking 0 Others 14.92
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 Due from Banks 0 Syndicated Loans 0 Bills Purchased & Discounted 0 Public Sector 0 Priority sector 0	Priority vs Non-Priority Sector Loan From Banks 2.34 Due from Banks 0 Public Sector 7.04 Priority Sector 46.26 Bills Purchased & Discounted 1.7 Non Priority Sector 0 Priority sector 0 Others 42.66	Priority vs Non-Priority Sector Syndicated Loans 0 Due from Banks 0 Public Sector 0 Priority Sector 0 Bills Purchased & Discounted 0 Non Priority Sector 68.35 Priority Sector 31.65

IDBI Bank Ltd.

IDBI Bank Ltd.

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