Indian Bank benchmarking: Perfomance to industry peers

Financial

	Indian Bank	Union Bank Of India	IDBI
Operational Metrics
Banks
Net Interest Margin	3.23 %	2.67 %	3.7 %
Yield On Advances	8.4 %	8.34 %	9.09 %
Gross NPA	2.6 %	3.29 %	2.65 %
Net NPA	0.16 %	1.0 %	0.21 %
CASA Ratio	38.87 %	32.56 %	45.81 %
CASA vs Liabilities	32.77 %	27.03 %	33.43 %
Credit Deposit Ratio	79.84 %	76.94 %	75.85 %
Cost To Income Ratio	46.48 %	50.65 %	43.37 %
Fresh Slippages - Quarterly	1132.0 Crs	1985.0 Crs	409.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.31 %	17.07 %	25.39 %
Tier I Capital	15.27 %	15.58 %	23.79 %
Tier 2 Capital	2.04 %	1.49 %	1.6 %
NBFC
Cost of Borrowing	5.09 %	4.86 %	4.9 %
Financials
5 yr Average ROE	13.61 %	12.29 %	10.61 %
5yr average Equity Multiplier	14.15	15.51	7.21
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	11.04 %	8.83 %	14.64 %
5yr Avg Net Profit Margin	11.04 %	8.83 %	14.64 %
5yr CAGR Net Profit	29.03 %	44.48 %	38.19 %
5yr CAGR Sales	9.76 %	9.22 %	6.6 %
5 yr CAGR PPOP	11.69 %	9.57 %	9.31 %
Price to Book	1.49	0.91	1.58
P/E	10.17	6.23	11.61
Shareholdings
Promoter Holding	73.84 %	74.76 %	94.71 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-6.02 %	-8.73 %	0.0
Change in Mutual Fund Holding (3 Yrs)	5.81 %	2.69 %	0.03 %

Business

	Indian Bank	Union Bank Of India	IDBI
Loan Break-Up	Loan Break-Up Corporate 34.5 Agricultural 25.49 Retail 22.75 MSME Sector 17.25 MSME 0 LC & Other 0 Retail 0 Services 0 Industry 0 Agriculture 0 Personal Loans 0 Others 0.01	Loan Break-Up Services 0 Corporate 0 LC & Other 44.06 MSME Sector 0 Personal Loans 0 Industry 0 Agricultural 0 Agricultural 17.61 MSME 14.82 Retail 23.5 Others 0.01	Loan Break-Up Services 23.08 Corporate 0 LC & Other 0 MSME Sector 0 Personal Loan 42.72 Industrial & Commercial 20.69 Agricultural 0 Agricultural 9.16 MSME 0 Retail 0 Others 4.35
Segment Break-Up	Segment Break-Up Consumer Finance 41.2 Corporate Banking 31.14 Treasury Operations 23.74 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Retail banking 0 Corporate/Wholesale banking 0 Others 3.92	Segment Break-Up Retail banking 0 Consumer Finance 36.46 Treasury Operations 0 Corporate Banking 0 Consumer Finance 0 Corporate/Wholesale banking 0 Treasury Operations 26.63 Corporate Banking 34.12 Others 2.79	Segment Break-Up Consumer Finance 55.69 Retail banking Operations 0 Treasury Operations 0 Corporate Banking 0 Consumer Finance 0 Corporate Banking 13.42 Treasure operations 0 Cooperate/Wholesale Banking 0 Others 30.89
Location Wise Break-Up	Location Wise Break-Up India 96.73 Rest of the World 3.27	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 Borrowings Outside India 0 Reserve Bank of India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 Others 76.68	Borrowings Break-Up Borrowings outside India 13.35 0 Borrowings outside India 0 Perpetual Bonds 35.24 Basel III Omni Tier 2 Bond 0 Tier 2 Bonds 28.92 0 Reserve Bank of India 0 Upper Tier 2 Bonds 0 Upper Tier II Bonds 0 RBI 0 Others 22.49	Borrowings Break-Up Borrowings Outside India 0 0 Borrowings outside India 38.99 Perpetual Bonds 0 Basel III Omni Tier 2 Bond 9.53 Tier 2 Bonds 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.52 Reserve Bank of India 0 Upper Tier 2 Bonds 0 Upper Tier II Bonds 0 RBI 0 Others 49.96
Profit Before Tax	Profit Before Tax Retail Banking 32.41 Treasury 31.54 Corporate Banking 24.81 Others 11.24	-	Profit Before Tax Corporate Banking 0 Retail Banking 0 Treasury 50.77 Others 49.23
Asset Break-Up	Asset Break-Up India 94.61 Others 5.39	Asset Break-Up India 0 Others 100	-
NPA Break-Up	NPA Break-Up Agricultural 50.0 MSME 40.0 Personal Loan 7.0 Corporate 3.0 Services 0 Industry 0 Medium & Large 0 Micro & Small (MSE) 0 Agriculture 0 Retail Loans 0	NPA Break-Up Services 0 Corporate 0 Consumer Finance 7.92 Industry 0 Micro, Small and Medium Enterprises 18.5 Agricultural 0 Medium & Large 31.46 Agricultural 42.12 MSME 0 Personal Loan 0	-

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Indian Bank

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