Indian Bank

Financial

	Indian Bank	UCO Bank	CentralBank of India
Operational Metrics
Banking Sector
Net Interest Margin	3.41 %	2.84 %	3.28 %
Yield On Advances	8.78 %	8.48 %	8.94 %
Gross NPA	4.47 %	3.85 %	4.5 %
Net NPA	0.53 %	0.98 %	1.27 %
CASA Ratio	39.67 %	37.61 %	48.98 %
CASA vs Liabilities	33.97 %	30.1 %	42.01 %
Credit Deposit Ratio	77.93 %	69.93 %	63.6 %
Cost To Income Ratio	46.9 %	60.72 %	56.91 %
Fresh Slippages - Quarterly	1429.0 Crs	422.0 Crs	643.0 Crs
Capital to Risks Assets Ratio (CRAR)	15.58 %	16.01 %	14.74 %
Tier I Capital	12.88 %	13.53 %	12.17 %
Tier 2 Capital	2.7 %	2.48 %	2.57 %
NBFC
Cost of Borrowing	5.09 %	4.78 %	4.83 %
Financials
5 yr Average ROE	7.74 %	4.81 %	-7.16 %
5yr average Equity Multiplier	14.62	11.46	15.13
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	6.35 %	4.94 %	-4.2 %
5yr Avg Net Profit Margin	6.35 %	4.94 %	-4.2 %
5yr CAGR Net Profit	71.09 %	65.82 %	n/a
5yr CAGR Sales	20.16 %	2.44 %	3.4 %
5 yr CAGR PPOP	25.76 %	0.91 %	17.07 %
Price to Book	1.33	2.54	1.84
P/E	9.28	40.32	23.43
Shareholdings
Promoter Holding	73.84 %	95.39 %	93.08 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-14.22 %	0.95 %	3.3 %
Change in Mutual Fund Holding (3 Yrs)	9.14 %	0.04 %	0.05 %

Business

	Indian Bank	UCO Bank	CentralBank of India
Segment Break-Up	Segment Break-Up Consumer Finance 39.04 Corporate Banking 34.3 Treasury Operations 23.98 Corporate/Wholesale Banking 0 Others 2.68	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Corporate Banking 37.98 Treasury Operations 0 Others 62.02	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Corporate Banking 26.17 Treasury Operations 0 Others 73.83
Loan Break-Up	Loan Break-Up Corporate 37.42 Agricultural 24.12 Retail 20.92 MSME Sector 17.53 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Corporate Advances 0 MSME Advances 0 Agriculture Advances 0 Retail Advances 0 Others 0.01	Loan Break-Up Industrial & Commercial 11.91 Agriculture Advances 0 Retail 0 Agricultural 0 Agricultural 13.47 MSME Sector 0 MSME Advances 0 Retail Advances 0 Services 48.37 Personal Loan 25.31 Priority Sector 0.94 Corporate 0 Corporate Advances 0	Loan Break-Up Industry 0 Agricultural Loan 18.63 Retail 0 Agricultural 0 Agriculture and allied activities 0 MSME Sector 0 Small & Medium Enterprises (SME) loans 19.61 Consumer Finance 28.71 Services 0 Personal Loans 0 0 Corporate 0 Corporate Banking 33.05
Location Wise Break-Up	Location Wise Break-Up India 96.23 Rest of the World 3.77	Location Wise Break-Up Rest of the World 6.97 India 93.03	Location Wise Break-Up Rest of the World 0 India 100.0
Borrowings Break-Up	Borrowings Break-Up Borrowings outside India 8.75 RBI 0 Reserve Bank of India 0 Unsecured Redeemable NC Basel III 0 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 Unsecured Redeemable Bonds 0 Others 91.25	Borrowings Break-Up RBI 0 Borrowings outside India 1.4 Upper Tier II Bonds 0 Reserve Bank of India 0 Unsecured Redeemable NC Basel III 0 Innovative Perpetual Debt Instrument 0 Unsecured Redeemable Bonds 0 Others 98.6	Borrowings Break-Up RBI 0 Borrowings outside India 0 Upper Tier II Bonds 0 Reserve Bank of India 21.17 Unsecured Redeemable NC Basel III 30.0 Innovative Perpetual Debt Instrument 0 Unsecured Redeemable Bonds 0 Others 48.83
Profit Before Tax	Profit Before Tax Retail Banking 32.77 Treasury 32.61 Corporate Banking 29.71 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Others 4.91	-	Profit Before Tax Treasury 0 Wholesale Banking Operations 83.21 Treasury Operations 16.79 Retail Banking Operations 0 Retail Banking 0 Corporate Banking 0
Asset Break-Up	Asset Break-Up India 94.87 Others 5.13	Asset Break-Up India 96.56 Others 3.44	Asset Break-Up India 0 Others 100
NPA Break-Up	NPA Break-Up MSME 40.0 Agricultural 40.0 Personal Loan 10.0 Corporate 10.0 Services 0 Industry 0 Others 0 Personal Loans 0 0 Agriculture 0	NPA Break-Up Industrial & Commercial 7.03 Agriculture 0 Agricultural 0 Others 12.39 Services 28.54 Personal Loan 0 MSME 0 Personal Loans 0 Priority Sector 1.2 Corporate 0 Others 50.84	NPA Break-Up Industry 0 Agricultural 29.21 Agricultural 0 Others 0 Services 0 Personal Loan 0 MSME Sector 24.88 Personal Loans 0 0 Corporate 38.2 Others 7.71

Indian Bank

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