Indian Bank

Financial

	Indian Bank	Indian Overseas Bank	Canara Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.37 %	3.58 %	2.8 %
Yield On Advances	8.64 %	8.78 %	8.83 %
Gross NPA	3.09 %	2.14 %	2.94 %
Net NPA	0.19 %	0.37 %	0.7 %
CASA Ratio	38.37 %	43.65 %	31.17 %
CASA vs Liabilities	32.38 %	34.5 %	26.23 %
Credit Deposit Ratio	79.79 %	80.15 %	73.67 %
Cost To Income Ratio	45.05 %	44.35 %	47.55 %
Fresh Slippages - Quarterly	1393.0 Crs	2756.0 Crs	2655.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.94 %	19.74 %	16.33 %
Tier I Capital	15.85 %	17.13 %	14.37 %
Tier 2 Capital	2.09 %	2.61 %	1.96 %
NBFC
Cost of Borrowing	5.21 %	5.29 %	5.28 %
Financials
5 yr Average ROE	13.61 %	10.66 %	14.15 %
5yr average Equity Multiplier	14.15	13.38	17.53
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	11.04 %	7.85 %	8.44 %
5yr Avg Net Profit Margin	11.04 %	7.85 %	8.44 %
5yr CAGR Net Profit	29.03 %	34.96 %	43.42 %
5yr CAGR Sales	9.76 %	8.48 %	10.34 %
5 yr CAGR PPOP	11.69 %	8.49 %	9.85 %
Price to Book	1.23	2.38	0.98
P/E	7.78	22.63	5.91
Shareholdings
Promoter Holding	73.84 %	94.61 %	62.93 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-6.02 %	-1.77 %	0.0
Change in Mutual Fund Holding (3 Yrs)	5.68 %	0.03 %	1.45 %

Business

	Indian Bank	Indian Overseas Bank	Canara Bank
Loan Break-Up	Loan Break-Up Corporate 35.77 Agricultural 25.19 Retail 21.8 MSME Sector 17.24	Loan Break-Up Corporate 20.75 Agricultural 0 MSME Sector 0 Retail 25.1 Others 54.15	-
Segment Break-Up	Segment Break-Up Consumer Finance 41.2 Corporate Banking 31.98 Treasury Operations 23.51 Corporate / Wholesale Banking 0 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Others 3.31	Segment Break-Up Corporate Banking 0 Wholesale Banking Operations 0 Consumer Finance 0 Treasury Operations 0 Life Insurance Operation 0 Retail Banking Operations 0 Corporate Banking 26.52 Others 73.48	Segment Break-Up Corporate Banking 0 Corporate Banking 33.68 Consumer Finance 0 Treasury Operations 17.48 Life Insurance Business 7.5 Consumer Finance 41.34 Corporate / Wholesale Banking 0
Location Wise Break-Up	Location Wise Break-Up India 96.87 Rest of the World 3.13	Location Wise Break-Up India 96.74 Rest of the World 3.26	Location Wise Break-Up India 95.78 Rest of the World 4.22
Borrowings Break-Up	Borrowings Break-Up RBI 19.7 Borrowings outside India 3.62 Borrowings Outside India 0 Subordinated Debt 0 0 0 Other Institutions & Agencies 0 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Others 76.68	Borrowings Break-Up Borrowings outside India 33.51 Borrowings outside India 0 UNSECURED REDEEMABLE BONDS 0 OTHER BANKS 0 Subordinated Debt 5.13 0 0 Other Institutions & Agencies 48.78 RESERVE BANK OF INDIA 0 OTHER INSTITUTIONS AND AGENCIES 0 RBI 4.61 Others 7.97	Borrowings Break-Up Borrowings Outside India 0 Borrowings outside India 0 UNSECURED REDEEMABLE BONDS 74.79 Other banks - India 1.0 Subordinated Debt 0 0 0 Other Institutions & Agencies 0 RESERVE BANK OF INDIA 0 Other Institutions & Agencies 24.21 RBI 0
Profit Before Tax	Profit Before Tax Treasury 33.86 Retail Banking 31.59 Corporate Banking 26.71 Life Insurance 0 Wholesale Banking 0 Others 7.84	-	Profit Before Tax Corporate Banking 0 Retail Banking 48.22 Life Insurance 0.6 Wholesale Banking 4.83 Treasury 46.35
Asset Break-Up	Asset Break-Up India 94.88 Others 5.12	-	Asset Break-Up India 91.76 Others 8.24
NPA Break-Up	NPA Break-Up MSME 41.0 Agricultural 40.0 Personal Loan 10.0 Corporate 9.0 Services 0 Industry 0 Overseas 0 Agri 0 Corporate & Others 0 Agriculture & Allied 0	NPA Break-Up MSME Sector 24.57 Agricultural 31.28 Personal Loan 0 Corporate & Others 0 Industry 0 Overseas 25.84 Corporate 4.19 Agriculture & Allied 0 Agricultural 0 Services 0 Others 14.12	NPA Break-Up MSME Sector 25.1 Agri 0 Personal Loan 0 Corporate 41.39 Industry 0 Overseas 0 Corporate 0 Agricultural 26.56 Agricultural 0 Services 0 Others 6.95

Indian Bank

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