Indian Bank benchmarking: Perfomance to industry peers

Financial

	Indian Bank	IDBI	Union Bank Of India
Operational Metrics
Banking Sector
Net Interest Margin	3.23 %	3.68 %	2.76 %
Yield On Advances	8.58 %	9.11 %	8.5 %
Gross NPA	3.01 %	2.93 %	3.52 %
Net NPA	0.18 %	0.21 %	0.62 %
CASA Ratio	38.97 %	44.65 %	32.52 %
CASA vs Liabilities	32.39 %	32.88 %	26.98 %
Credit Deposit Ratio	80.77 %	71.38 %	76.4 %
Cost To Income Ratio	45.78 %	48.86 %	49.19 %
Fresh Slippages - Quarterly	1334.0 Crs	504.0 Crs	2199.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.8 %	25.39 %	18.3 %
Tier I Capital	15.74 %	23.71 %	16.58 %
Tier 2 Capital	2.06 %	1.68 %	1.72 %
NBFC
Cost of Borrowing	5.23 %	4.98 %	4.89 %
Financials
5 yr Average ROE	13.61 %	10.61 %	12.29 %
5yr average Equity Multiplier	14.15	7.21	15.51
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	11.04 %	14.64 %	8.83 %
5yr Avg Net Profit Margin	11.04 %	14.64 %	8.83 %
5yr CAGR Net Profit	29.03 %	38.19 %	44.48 %
5yr CAGR Sales	9.76 %	6.6 %	9.22 %
5 yr CAGR PPOP	11.69 %	9.31 %	9.57 %
Price to Book	1.38	1.56	0.87
P/E	9.31	12.54	5.62
Shareholdings
Promoter Holding	73.84 %	94.71 %	74.76 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-6.02 %	0.0	-8.74 %
Change in Mutual Fund Holding (3 Yrs)	5.66 %	0.04 %	2.72 %

Business

	Indian Bank	IDBI	Union Bank Of India
Loan Break-Up	Loan Break-Up Corporate 34.66 Agricultural 25.93 Retail 22.25 MSME Sector 17.16 Personal Loans 0 Services 0 Industry 0 Agriculture 0 MSME 0 LC & Other 0 Retail 0	Loan Break-Up Corporate 0 Retail 0 LC & Other 0 Personal Loan 44.18 MSME Sector 0 Services 23.75 MSME 0 Agricultural 0 Agricultural 9.31 Industrial & Commercial 20.93 Others 1.83	Loan Break-Up Corporate 0 Retail 23.5 LC & Other 44.06 Personal Loans 0 MSME Sector 0 Services 0 MSME 14.82 Agricultural 0 Agricultural 17.61 Industry 0 Others 0.01
Segment Break-Up	Segment Break-Up Consumer Finance 41.46 Corporate Banking 31.42 Treasury Operations 25.09 Retail banking 0 Corporate/Wholesale banking 0 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Others 2.03	Segment Break-Up Treasure operations 0 Cooperate/Wholesale Banking 0 Corporate Banking 14.92 Consumer Finance 57.46 Corporate Banking 0 Consumer Finance 0 Retail banking Operations 0 Treasury Operations 0 Others 27.62	Segment Break-Up Treasury Operations 26.63 Corporate Banking 34.12 Corporate/Wholesale banking 0 Retail banking 0 Corporate Banking 0 Consumer Finance 0 Consumer Finance 36.46 Treasury Operations 0 Others 2.79
Location Wise Break-Up	Location Wise Break-Up India 96.86 Rest of the World 3.14	Location Wise Break-Up Rest of the World 0 India 100.0	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 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 Reserve Bank of India 0 Borrowings Outside India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 Others 76.68	Borrowings Break-Up Borrowings Outside India 0 Tier 2 Bonds 0 Reserve Bank of India 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.52 Perpetual Bonds 0 RBI 0 0 Upper Tier II Bonds 0 Upper Tier 2 Bonds 0 Borrowings outside India 38.99 Basel III Omni Tier 2 Bond 9.53 Others 49.96	Borrowings Break-Up Borrowings outside India 13.35 Tier 2 Bonds 28.92 Reserve Bank of India 0 0 Perpetual Bonds 35.24 RBI 0 0 Upper Tier II Bonds 0 Upper Tier 2 Bonds 0 Borrowings outside India 0 Basel III Omni Tier 2 Bond 0 Others 22.49
Profit Before Tax	Profit Before Tax Retail Banking 35.85 Treasury 33.99 Corporate Banking 26.34 Others 3.82	Profit Before Tax Retail Banking 0 Treasury 38.87 Corporate Banking 0 Others 61.13	-
Asset Break-Up	Asset Break-Up India 94.63 Others 5.37	-	Asset Break-Up India 0 Others 100
NPA Break-Up	NPA Break-Up Agricultural 48.0 MSME 41.0 Personal Loan 8.0 Corporate 3.0 Services 0 Industry 0 Medium & Large 0 Micro & Small (MSE) 0 Agriculture 0 Retail Loans 0	-	NPA Break-Up Corporate 0 Personal Loan 0 Services 0 MSME 0 Agricultural 0 Consumer Finance 7.92 Agricultural 42.12 Micro, Small and Medium Enterprises 18.5 Medium & Large 31.46 Industry 0

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