Indian Bank

Financial

	Indian Bank	Canara Bank	Union Bank Of India
Operational Metrics
Banking Sector
Net Interest Margin	3.23 %	2.55 %	2.76 %
Yield On Advances	8.58 %	8.47 %	8.5 %
Gross NPA	3.01 %	2.69 %	3.52 %
Net NPA	0.18 %	0.63 %	0.62 %
CASA Ratio	38.97 %	29.56 %	32.52 %
CASA vs Liabilities	32.39 %	24.41 %	26.98 %
Credit Deposit Ratio	80.77 %	74.7 %	76.4 %
Cost To Income Ratio	45.78 %	46.77 %	49.19 %
Fresh Slippages - Quarterly	1334.0 Crs	2129.0 Crs	2199.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.8 %	16.52 %	18.3 %
Tier I Capital	15.74 %	14.58 %	16.58 %
Tier 2 Capital	2.06 %	1.94 %	1.72 %
NBFC
Cost of Borrowing	5.23 %	5.27 %	4.89 %
Financials
5 yr Average ROE	13.61 %	14.15 %	12.29 %
5yr average Equity Multiplier	14.15	17.53	15.51
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	11.04 %	8.44 %	8.83 %
5yr Avg Net Profit Margin	11.04 %	8.44 %	8.83 %
5yr CAGR Net Profit	29.03 %	43.42 %	44.48 %
5yr CAGR Sales	9.76 %	10.34 %	9.22 %
5 yr CAGR PPOP	11.69 %	9.85 %	9.57 %
Price to Book	1.22	0.94	0.86
P/E	8.23	6.11	5.56
Shareholdings
Promoter Holding	73.84 %	62.93 %	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 %	0.77 %	2.72 %

Business

	Indian Bank	Canara Bank	Union Bank Of India
Loan Break-Up	Loan Break-Up Corporate 34.66 Agricultural 25.93 Retail 22.25 MSME Sector 17.16 MSME 0 LC & Other 0 Retail 0 Services 0 Industry 0 Agriculture 0	-	Loan Break-Up MSME 14.82 LC & Other 44.06 MSME Sector 0 Services 0 Agricultural 0 Corporate 0 Agricultural 17.61 Industry 0 Retail 23.5 Others 0.01
Segment Break-Up	Segment Break-Up Consumer Finance 41.46 Corporate Banking 31.42 Treasury Operations 25.09 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Others 2.03	Segment Break-Up Corporate Banking 29.99 Corporate Banking 0 Life Insurance Business 8.85 Consumer Finance 41.97 Treasure operations 0 Consumer Finance 0 Retail banking Operations 0 Cooperate/Wholesale Banking 0 Treasury Operations 19.19	Segment Break-Up Wholesale Banking Operations 0 Corporate Banking 0 Life Insurance Operation 0 Retail Banking Operations 0 Treasury Operations 26.63 Consumer Finance 0 Consumer Finance 36.46 Corporate Banking 34.12 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 4.33 India 95.67	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 Borrowings Outside India 0 Reserve Bank of India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 Others 76.68	Borrowings Break-Up RESERVE BANK OF INDIA 0 Borrowings outside India 0 Reserve Bank of India 0 Tier 2 Bonds 0 RBI 0 Other banks - India 1.0 UNSECURED REDEEMABLE BONDS 74.79 Upper Tier 2 Bonds 0 Other Institutions & Agencies 24.21 Borrowings Outside India 0 Perpetual Bonds 0	Borrowings Break-Up RESERVE BANK OF INDIA 0 Borrowings outside India 0 Reserve Bank of India 0 Tier 2 Bonds 28.92 RBI 0 OTHER BANKS 0 UNSECURED REDEEMABLE BONDS 0 Upper Tier 2 Bonds 0 OTHER INSTITUTIONS AND AGENCIES 0 Borrowings outside India 13.35 Perpetual Bonds 35.24 Others 22.49
Profit Before Tax	Profit Before Tax Retail Banking 35.85 Treasury 33.99 Corporate Banking 26.34 Life Insurance 0 Wholesale Banking 0 Others 3.82	Profit Before Tax Treasury 31.72 Corporate Banking 0 Retail Banking 67.94 Wholesale Banking 0 Life Insurance 0.34	-
Asset Break-Up	Asset Break-Up India 94.63 Others 5.37	Asset Break-Up India 91.33 Others 8.67	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 Corporate & Others 0 Agriculture & Allied 0 Medium & Large 0 Micro & Small (MSE) 0 Agriculture 0 Retail Loans 0	NPA Break-Up MSME Sector 26.55 Agricultural 27.14 Micro & Small (MSE) 0 Personal Loan 0 Corporate 40.18 Services 0 Agricultural 0 Medium & Large 0 Corporate 0 Agriculture 0 Industry 0 Retail Loans 0 Others 6.13	NPA Break-Up MSME 0 Agriculture & Allied 0 Micro, Small and Medium Enterprises 18.5 Personal Loan 0 Corporate & Others 0 Services 0 Agricultural 0 Medium & Large 31.46 Corporate 0 Agricultural 42.12 Industry 0 Consumer Finance 7.92

Indian Bank

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