IDBI Bank Ltd. benchmarking: Performance to industry peers

Financial

	IDBI Bank	Bank Of India	Indian Overseas 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	44.06 %	37.97 %	40.85 %
CASA vs Liabilities	32.07 %	30.18 %	31.88 %
Credit Deposit Ratio	77.56 %	83.44 %	84.45 %
Fresh Slippages - Quarterly	367.0 Crs	1090.0 Crs	301.0 Crs
Cost To Income Ratio	47.32 %	52.02 %	45.74 %
Net Interest Margin	3.63 %	2.57 %	3.42 %
Gross NPA	2.57 %	2.26 %	1.54 %
Net NPA	0.18 %	0.6 %	0.24 %
Capital to Risks Assets Ratio (CRAR)	24.63 %	17.09 %	16.3 %
Tier I Capital	23.53 %	14.36 %	13.99 %
Tier 2 Capital	1.11 %	2.73 %	2.3 %
Yield On Advances	8.87 %	7.81 %	9.03 %
NBFC
Cost of Borrowing	4.84 %	4.57 %	5.07 %
Financials
5 yr Average ROE	10.61 %	9.05 %	10.66 %
5yr average Equity Multiplier	7.21	13.53	13.38
5yr Average Asset Turnover Ratio	0.08	0.07	0.08
5yr Avg Net Profit Margin	14.64 %	8.1 %	7.85 %
5yr Avg Net Profit Margin	14.64 %	8.1 %	7.85 %
5yr CAGR Net Profit	38.19 %	35.6 %	34.96 %
5yr CAGR Sales	6.6 %	10.99 %	8.48 %
5 yr CAGR PPOP	9.31 %	9.98 %	8.49 %
Price to Book	1.16	0.78	1.89
P/E	8.69	6.87	13.59
Shareholdings
Promoter Holding	94.71 %	73.38 %	92.44 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-8.03 %	-3.94 %
Change in Mutual Fund Holding (3 Yrs)	0.05 %	1.74 %	0.12 %

Business

	IDBI Bank	Bank Of India	Indian Overseas Bank
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 Chemicals 2.34 Real Estate 24.7 Infrastructure 14.19 Services 0 Mortgage 0 Home 0 Industrial & Commercial 0 Rubber and plastics 1.12 Power 0 NBFC 20.41 Education 0 Personal Loan 0 Automobiles 0.59 Construction 1.12 Gems & Jewelry 0.82 Metals 6.12 Telecom 0 Roads and Ports 0 Auto 0 Personal 0 Agricultural 0 Textiles 1.78 Others 26.81	Loan Break-Up Chemicals & Chemical products 0 Realestate 0 Infrastructure 0 Services 0 Mortgage 0 Home 0 Industrial & Commercial 0 Rubber, Plastic & their products 0 Power 0 NBFC 0 Education 0 Personal Loan 0 0 Construction 0 Gems & Jeweler 0 Basic Metal & Metal products 0 Telecom 0 Roads and Ports 0 Auto 0 Personal 0 Agricultural 0 Textiles 0 Others 100
Segment Break-Up	Segment Break-Up Consumer Finance 60.5 Treasury Operations 24.44 Corporate Banking 14.09 Retail Banking Operations 0 Wholesale Banking Operations 0 Treasury Operations 0 Retail Banking 0 Corporate / Wholesale Banking 0 Others 0.97	Segment Break-Up Corporate Banking 0 Corporate / Wholesale Banking 0 Consumer Finance 0 Treasury Operations 26.41 Retail Banking 0 Consumer Finance 38.54 Corporate Banking 34.32 Others 0.73	Segment Break-Up Corporate Banking 0 Corporate Banking 28.84 Consumer Finance 0 Treasury Operations 0 Consumer Finance 43.83 Retail Banking Operations 0 Wholesale Banking Operations 0 Others 27.33
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 88.4 Rest of the World 11.6	Location Wise Break-Up India 96.74 Rest of the World 3.26
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 Other Institutions and Agencies 0 0 RBI 0 Borrowings Outside India 0 Subordinated Debt 0 0 0 Other Institutions & Agencies 0 Others 49.96	Borrowings Break-Up Borrowings outside India 19.31 Reserve Bank of India 0 Reserve Bank of India 24.22 0 RBI 0 Upper Tier II Bonds 0 0 Other Institutions and Agencies 53.16 Subordinated Debt 0 0 Borrowings Outside India 0 Basel III Omni Tier 2 Bond 0 0 Other Institutions & Agencies 0 Others 3.31	Borrowings Break-Up Borrowings outside India 0 Reserve Bank of India 0 0 0 RBI 4.61 Upper Tier II Bonds 0 0 Other Institutions and Agencies 0 Subordinated Debt 5.13 0 Borrowings outside India 33.51 Basel III Omni Tier 2 Bond 0 0 Other Institutions & Agencies 48.78 Others 7.97
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 India 0 Retail Banking 0 Corporate / Wholesale Banking 0 Others 61.61	Asset Break-Up - Segment Wise Treasury 0 India 85.08 Corporate / Wholesale Banking 0 Retail Banking 0 Others 14.92	Asset Break-Up - Segment Wise Treasury Operations 27.92 India 0 Corporate Banking 27.51 Consumer Finance 43.53 Others 1.04
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 Priority sector 0 Due from Banks 0 Syndicated Loans 0 Bills Purchased & Discounted 0 Public Sector 0	Priority vs Non-Priority Sector Priority Sector 0 Public Sector 0 Due from Banks 0 Bills Purchased & Discounted 0 Non Priority Sector 68.35 Priority Sector 31.65 Syndicated Loans 0	Priority vs Non-Priority Sector Priority Sector 46.26 Public Sector 7.04 Due from Banks 0 Bills Purchased & Discounted 1.7 Non Priority Sector 0 Priority sector 0 Loan From Banks 2.34 Others 42.66

IDBI Bank Ltd.

IDBI Bank Ltd.

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