IDBI Bank Ltd.

IDBI

₹84.0

-1.0% (-0.85)

Market Cap

₹90,256 Cr.

P/E

16.90

IDBI Bank Ltd.

Financial
Business

Financial

	IDBI	Indian Overseas Bank	Bank Of India
Operational Metrics
Asset Management Sector
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
Banking Sector
CASA Ratio	49.88 %	43.49 %	43.88 %
CASA vs Liabilities	37.14 %	35.19 %	35.25 %
Credit Deposit Ratio	67.69 %	77.74 %	79.83 %
Fresh Slippages - Quarterly	525.0 Crs	331.0 Crs	1172.0 Crs
Cost To Income Ratio	47.22 %	51.35 %	54.87 %
Net Interest Margin	4.72 %	3.12 %	2.85 %
Gross NPA	4.69 %	3.9 %	5.35 %
Net NPA	0.34 %	0.62 %	1.41 %
Capital to Risks Assets Ratio (CRAR)	20.32 %	16.8 %	16.06 %
Tier I Capital	18.04 %	13.95 %	13.87 %
Tier 2 Capital	2.28 %	2.85 %	2.19 %
Yield On Advances	10.47 %	8.88 %	8.37 %
NBFC
Cost of Borrowing	4.6 %	5.02 %	4.52 %
Financials
5 yr Average ROE	-16.41 %	9.76 %	-0.67 %
5yr average Equity Multiplier	7.84	13.96	13.89
5yr Average Asset Turnover Ratio	0.08	0.08	0.07
5yr Avg Net Profit Margin	-15.41 %	6.74 %	0.17 %
5yr Avg Net Profit Margin	-15.41 %	6.74 %	0.17 %
5yr CAGR Net Profit	n/a	55.55 %	n/a
5yr CAGR Sales	-0.37 %	44.71 %	3.78 %
5 yr CAGR PPOP	15.86 %	57.32 %	10.22 %
Price to Book	1.85	4.34	0.91
P/E	17.09	46.3	9.8
Shareholdings
Promoter Holding	94.71 %	96.38 %	73.38 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.54 %	-15.72 %
Change in Mutual Fund Holding (3 Yrs)	-0.03 %	0.05 %	4.49 %

Business

	IDBI	Indian Overseas Bank	Bank Of India
Loan Break-Up	Loan Break-Up Personal Loan 38.43 Services 22.82 Industrial & Commercial 22.52 Agricultural 11.17 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 5.06	Loan Break-Up Chemicals & Chemical products 0 Services 0 Construction 0 0 Telecom 0 Personal 0 Auto 0 Agricultural 0 Home 0 Rubber, Plastic & their products 0 Infrastructure 0 Personal Loan 0 Roads and Ports 0 Realestate 0 Textiles 0 NBFC 0 Education 0 Gems & Jeweler 0 Mortgage 0 Industrial & Commercial 0 Basic Metal & Metal products 0 Power 0 Others 100	Loan Break-Up Chemicals 2.78 Services 0 Construction 1.77 Automobiles 1.2 Telecom 0 Personal 0 Auto 0 Agricultural 0 Home 0 Rubber and plastics 1.38 Infrastructure 28.69 Personal Loan 0 Roads and Ports 0 Realestate 0 Textiles 3.31 NBFC 27.73 Education 0 Gems & Jewelry 1.74 Mortgage 0 Industrial & Commercial 0 Metals 5.89 Power 0 Others 25.51
Segment Break-Up	Segment Break-Up Consumer Finance 57.02 Treasury Operations 26.95 Corporate Banking 14.45 Retail Banking 0 Corporate / Wholesale Banking 0 Retail Banking Operations 0 Wholesale Banking Operations 0 Treasury Operations 0 Others 1.58	Segment Break-Up Treasury Operations 0 Corporate Banking 0 Consumer Finance 45.44 Retail Banking Operations 0 Consumer Finance 0 Wholesale Banking Operations 0 Corporate Banking 28.97 Others 25.59	Segment Break-Up Treasury Operations 24.89 Corporate Banking 0 Retail Banking 0 Consumer Finance 39.29 Consumer Finance 0 Corporate Banking 35.11 Corporate / Wholesale Banking 0 Others 0.71
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 97.61 Rest of the World 2.39	Location Wise Break-Up India 85.44 Rest of the World 14.56
Borrowings Break-Up	Borrowings Break-Up Basel III Omni Tier 2 Bond 20.93 Reserve Bank of India 18.99 Borrowings outside India 4.42 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 2.39 Upper Tier II Bonds 0 0 RBI 0 Borrowings Outside India 0 Subordinated Debt 0 0 0 Other Institutions & Agencies 0 0 Others 53.27	Borrowings Break-Up 0 Borrowings outside India 0 0 Reserve Bank of India 0 Basel III Omni Tier 2 Bond 0 0 RBI 0 0 0 Borrowings outside India 13.99 Subordinated Debt 11.85 Other Institutions & Agencies 74.16 Upper Tier II Bonds 0	Borrowings Break-Up 0 Borrowings outside India 4.23 0 Reserve Bank of India 0 Basel III Omni Tier 2 Bond 0 0 RBI 0 0 Reserve Bank of India 4.14 Borrowings Outside India 0 Subordinated Debt 0 Other Institutions & Agencies 0 Upper Tier II Bonds 0 Others 91.63
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 Treasury 43.57 Retail Banking 0 Corporate / Wholesale Banking 0 India 0 Others 56.43	Asset Break-Up - Segment Wise Consumer Finance 32.81 Treasury Operations 30.72 Corporate Banking 33.35 India 0 Others 3.12	Asset Break-Up - Segment Wise Retail Banking 0 Treasury 0 Corporate / Wholesale Banking 0 India 85.04 Others 14.96
Profit Before Tax	Profit Before Tax Others 100	-	Profit Before Tax Others 100
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 65.58 Priority Sector 34.42 Due from Banks 0 Syndicated Loans 0 Bills Purchased & Discounted 0 Public Sector 0 Priority sector 0	Priority vs Non-Priority Sector Priority Sector 51.56 Due from Banks 0 Loan From Banks 1.42 Priority sector 0 Public Sector 13.88 Bills Purchased & Discounted 3.72 Non Priority Sector 0 Others 29.42	Priority vs Non-Priority Sector Priority Sector 0 Due from Banks 0 Syndicated Loans 0 Priority Sector 31.18 Public Sector 0 Bills Purchased & Discounted 0 Non Priority Sector 68.82
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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