Indian Bank

Financial

	Indian Bank	Indian Overseas Bank	IDBI
Operational Metrics
Banking Sector
Net Interest Margin	3.37 %	3.58 %	4.56 %
Yield On Advances	8.64 %	8.78 %	9.94 %
Gross NPA	3.09 %	2.14 %	2.98 %
Net NPA	0.19 %	0.37 %	0.15 %
CASA Ratio	38.37 %	43.65 %	46.56 %
CASA vs Liabilities	32.38 %	34.5 %	35.1 %
Credit Deposit Ratio	79.79 %	80.15 %	70.38 %
Cost To Income Ratio	45.05 %	44.35 %	43.33 %
Fresh Slippages - Quarterly	1393.0 Crs	2756.0 Crs	334.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.94 %	19.74 %	25.05 %
Tier I Capital	15.85 %	17.13 %	23.51 %
Tier 2 Capital	2.09 %	2.61 %	1.54 %
NBFC
Cost of Borrowing	5.21 %	5.29 %	4.87 %
Financials
5 yr Average ROE	10.68 %	10.16 %	-1.18 %
5yr average Equity Multiplier	14.42	13.66	7.59
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	8.61 %	7.3 %	0.09 %
5yr Avg Net Profit Margin	8.61 %	7.3 %	0.09 %
5yr CAGR Net Profit	57.77 %	44.92 %	n/a
5yr CAGR Sales	21.04 %	49.29 %	3.57 %
5 yr CAGR PPOP	21.13 %	53.47 %	13.46 %
Price to Book	1.04	2.11	1.34
P/E	6.62	19.99	10.83
Shareholdings
Promoter Holding	73.84 %	94.61 %	94.71 %
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 %	0.03 %

Business

	Indian Bank	Indian Overseas Bank	IDBI
Segment Break-Up	Segment Break-Up Consumer Finance 41.09 Corporate Banking 31.37 Treasury Operations 23.71 Corporate / Wholesale Banking 0 Retail banking 0 Corporate/Wholesale banking 0 Others 3.83	Segment Break-Up Corporate/Wholesale banking 0 Corporate Banking 26.52 Retail banking 0 Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Others 73.48	Segment Break-Up Corporate Banking 16.02 Corporate / Wholesale Banking 0 Consumer Finance 59.82 Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Others 24.16
Loan Break-Up	Loan Break-Up Corporate 35.65 Agricultural 24.96 Retail 22.09 MSME Sector 17.3 Personal Loans 0 Services 0 Industry 0 Agriculture 0	Loan Break-Up Services 0 Retail 25.1 Industry 0 Agricultural 0 Corporate 20.75 Personal Loans 0 Agriculture 29.82 MSME Sector 0 Others 24.33	Loan Break-Up Services 23.36 Retail 0 Industrial & Commercial 21.62 Agricultural 0 Corporate 0 Personal Loan 41.7 Agricultural 9.0 MSME Sector 0 Others 4.32
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 2.88 India 97.12	Location Wise Break-Up Rest of the World 0 India 100.0
Borrowings Break-Up	Borrowings Break-Up RBI 88.37 Borrowings outside India 11.63 Borrowings Outside India 0 Subordinated Debt 0 0 0 Other Institutions & Agencies 0 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 Reserve Bank of India 0	Borrowings Break-Up Other Institutions & Agencies 62.93 0 0 Reserve Bank of India 0 Basel III Omni Tier 2 Bond 0 Borrowings outside India 22.98 Upper Tier II Bonds 0 0 0 RBI 0 Subordinated Debt 7.12 Borrowings outside India 0 Others 6.97	Borrowings Break-Up Other Institutions & Agencies 0 0 0 Reserve Bank of India 14.05 Basel III Omni Tier 2 Bond 15.48 Borrowings Outside India 0 Upper Tier II Bonds 0 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.77 RBI 0 Subordinated Debt 0 Borrowings outside India 8.43 Others 60.27
Profit Before Tax	Profit Before Tax Treasury 35.76 Retail Banking 30.91 Corporate Banking 28.59 Others 4.74	-	Profit Before Tax Treasury 0 Corporate Banking 0 Retail Banking 0 Others 100
Asset Break-Up	Asset Break-Up India 100.0	-	-
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	NPA Break-Up Services 0 MSME Sector 28.87 Industry 0 Overseas 20.49 Agricultural 0 Corporate 4.4 Personal Loan 0 Agricultural 30.13 Others 16.11	-

Indian Bank

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