Indian Bank benchmarking: Perfomance to industry peers

Financial

	Indian Bank	Canara Bank	IDBI Bank
Operational Metrics
Banks
Net Interest Margin	3.28 %	2.5 %	3.63 %
Yield On Advances	8.31 %	8.34 %	8.87 %
Gross NPA	2.23 %	2.08 %	2.57 %
Net NPA	0.15 %	0.45 %	0.18 %
CASA Ratio	39.08 %	29.52 %	44.06 %
CASA vs Liabilities	32.66 %	24.58 %	32.07 %
Credit Deposit Ratio	80.77 %	78.38 %	77.56 %
Cost To Income Ratio	46.9 %	46.83 %	47.32 %
Fresh Slippages - Quarterly	997.0 Crs	1857.0 Crs	367.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.58 %	16.5 %	24.63 %
Tier I Capital	14.54 %	14.6 %	23.53 %
Tier 2 Capital	2.04 %	1.9 %	1.11 %
NBFC
Cost of Borrowing	5.0 %	5.18 %	4.84 %
Financials
5 yr Average ROE	13.61 %	14.15 %	10.61 %
5yr average Equity Multiplier	14.15	17.53	7.21
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	11.04 %	8.44 %	14.64 %
5yr Avg Net Profit Margin	11.04 %	8.44 %	14.64 %
5yr CAGR Net Profit	29.03 %	43.42 %	38.19 %
5yr CAGR Sales	9.76 %	10.34 %	6.6 %
5 yr CAGR PPOP	11.69 %	9.85 %	9.31 %
Price to Book	1.64	1.19	1.77
P/E	11.41	7.58	13.29
Shareholdings
Promoter Holding	73.84 %	62.93 %	94.71 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-6.02 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	5.23 %	-0.4 %	0.05 %

Business

	Indian Bank	Canara Bank	IDBI Bank
Segment Break-Up	Segment Break-Up Consumer Finance 41.07 Corporate Banking 32.2 Treasury Operations 24.23 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Retail banking 0 Corporate/Wholesale banking 0 Others 2.5	Segment Break-Up Retail banking 0 Consumer Finance 42.02 Consumer Finance 0 Treasury Operations 21.24 Corporate/Wholesale banking 0 Corporate Banking 0 Life Insurance Operation 0 Corporate Banking 30.98 Others 5.76	Segment Break-Up Consumer Finance 60.5 Retail Banking Operations 0 Consumer Finance 0 Treasury Operations 0 Corporate Banking 14.09 Corporate Banking 0 Life Insurance Operation 0 Wholesale Banking Operations 0 Others 25.41
Loan Break-Up	Loan Break-Up Corporate 33.94 Agricultural 25.29 Retail 23.04 MSME Sector 17.73 Personal Loans 0 Services 0 Industry 0 Agriculture 0	-	Loan Break-Up Industrial & Commercial 19.96 Services 23.26 Retail 0 Corporate 0 Personal Loan 42.76 Agricultural 0 MSME Sector 0 Agricultural 9.24 Others 4.78
Location Wise Break-Up	Location Wise Break-Up India 96.87 Rest of the World 3.13	Location Wise Break-Up Rest of the World 4.26 India 95.74	Location Wise Break-Up Rest of the World 0 India 100.0
Borrowings Break-Up	Borrowings Break-Up RBI 19.7 Borrowings outside India 3.62 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 Reserve Bank of India 0 Others 76.68	Borrowings Break-Up Reserve Bank of India 0 Other banks - India 1.0 0 Other Institutions & Agencies 24.21 RESERVE BANK OF INDIA 0 RBI 0 0 Upper Tier II Bonds 0 Basel III Omni Tier 2 Bond 0 UNSECURED REDEEMABLE BONDS 74.79 Borrowings outside India 0	Borrowings Break-Up Reserve Bank of India 0 OTHER BANKS 0 0 OTHER INSTITUTIONS AND AGENCIES 0 RESERVE BANK OF INDIA 0 RBI 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.52 Upper Tier II Bonds 0 Basel III Omni Tier 2 Bond 9.53 UNSECURED REDEEMABLE BONDS 0 Borrowings outside India 38.99 Others 49.96
Profit Before Tax	Profit Before Tax Treasury 33.66 Retail Banking 33.16 Corporate Banking 28.46 Life Insurance 0 Wholesale Banking 0 Others 4.72	Profit Before Tax Treasury 51.32 Life Insurance 0 Wholesale Banking 0 Corporate Banking 0 Retail Banking 48.08 Others 0.6	Profit Before Tax Treasury 39.65 Life Insurance 0 Wholesale Banking 0 Corporate Banking 0 Retail Banking 0 Others 60.35
Asset Break-Up	Asset Break-Up India 94.66 Others 5.34	Asset Break-Up India 91.28 Others 8.72	-
NPA Break-Up	NPA Break-Up Agricultural 52.0 MSME 37.0 Personal Loan 7.0 Corporate 4.0 Services 0 Industry 0 Corporate & Others 0 Agriculture & Allied 0	NPA Break-Up Industry 0 Services 0 Corporate 36.43 MSME Sector 29.53 Personal Loan 0 Agricultural 0 Corporate 0 Agricultural 27.68 Others 6.36	-

Indian Bank

Indian Bank

Financial

Business

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