Indian Overseas Bank benchmarking: Performance to industry peers

Financial

	Indian Overseas Bank	Bank Of India	IDBI Bank
Operational Metrics
Banks
Net Interest Margin	3.42 %	2.57 %	3.63 %
Yield On Advances	9.03 %	7.81 %	8.87 %
Gross NPA	1.54 %	2.26 %	2.57 %
Net NPA	0.24 %	0.6 %	0.18 %
CASA Ratio	40.85 %	37.97 %	44.06 %
CASA vs Liabilities	31.88 %	30.18 %	32.07 %
Credit Deposit Ratio	84.45 %	83.44 %	77.56 %
Cost To Income Ratio	45.74 %	52.02 %	47.32 %
Fresh Slippages - Quarterly	301.0 Crs	1090.0 Crs	367.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.3 %	17.09 %	24.63 %
Tier I Capital	13.99 %	14.36 %	23.53 %
Tier 2 Capital	2.3 %	2.73 %	1.11 %
NBFC
Cost of Borrowing	5.07 %	4.57 %	4.84 %
Financials
5 yr Average ROE	10.66 %	9.05 %	10.61 %
5yr average Equity Multiplier	13.38	13.53	7.21
5yr Average Asset Turnover Ratio	0.08	0.07	0.08
5yr Avg Net Profit Margin	7.85 %	8.1 %	14.64 %
5yr Avg Net Profit Margin	7.85 %	8.1 %	14.64 %
5yr CAGR Net Profit	34.96 %	35.6 %	38.19 %
5yr CAGR Sales	8.48 %	10.99 %	6.6 %
5 yr CAGR PPOP	8.49 %	9.98 %	9.31 %
Price to Book	1.77	0.73	1.07
P/E	12.73	6.46	8.05
Shareholdings
Promoter Holding	92.44 %	73.38 %	94.71 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.94 %	-8.03 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.07 %	2.71 %	0.05 %

Business

	Indian Overseas Bank	Bank Of India	IDBI Bank
Loan Break-Up	Loan Break-Up Agriculture 31.53 Infrastructure 0 NBFC 0 Realestate 0 Construction 0 Rubber, Plastic & their products 0 0 Chemicals & Chemical products 0 Gems & Jeweler 0 Textiles 0 Basic Metal & Metal products 0 Telecom 0 Roads and Ports 0 Power 0 Personal 0 Education 0 Auto 0 Mortgage 0 Home 0 Personal Loans 0 Services 0 Industry 0 Others 68.47	Loan Break-Up Gems & Jewelry 0.82 Mortgage 0 NBFC 20.41 Textiles 1.78 Personal 0 Auto 0 Rubber and plastics 1.12 Industry 0 Personal Loans 0 Roads and Ports 0 Real Estate 24.7 Automobiles 0.59 Telecom 0 Chemicals 2.34 Infrastructure 14.19 Services 0 Power 0 Education 0 Metals 6.12 Agriculture 0 Construction 1.12 Home 0 Others 26.81	Loan Break-Up Gems & Jeweler 0 Mortgage 0 NBFC 0 Textiles 0 Personal 0 Auto 0 Rubber, Plastic & their products 0 Industrial & Commercial 19.96 Personal Loan 42.76 Roads and Ports 0 Realestate 0 0 Telecom 0 Chemicals & Chemical products 0 Infrastructure 0 Services 23.26 Power 0 Education 0 Basic Metal & Metal products 0 Agricultural 9.24 Construction 0 Home 0 Others 4.78
Segment Break-Up	Segment Break-Up Consumer Finance 43.83 Corporate Banking 28.84 Treasury Operations 24.35 Retail Banking Operations 0 Wholesale Banking Operations 0 Treasury Operations 0 Retail banking 0 Corporate/Wholesale banking 0 Others 2.98	Segment Break-Up Retail banking 0 Corporate Banking 34.32 Consumer Finance 38.54 Consumer Finance 0 Corporate/Wholesale banking 0 Treasury Operations 26.41 Corporate Banking 0 Others 0.73	Segment Break-Up Consumer Finance 60.5 Wholesale Banking Operations 0 Retail Banking Operations 0 Consumer Finance 0 Corporate Banking 14.09 Treasury Operations 0 Corporate Banking 0 Others 25.41
Location Wise Break-Up	Location Wise Break-Up India 96.74 Rest of the World 3.26	Location Wise Break-Up India 88.4 Rest of the World 11.6	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 62.67 Treasury Operations 18.61 Corporate Banking 13.96 Others 4.76	-	-
Borrowings Break-Up	Borrowings Break-Up Other Institutions & Agencies 48.78 Borrowings outside India 33.51 Subordinated Debt 5.13 RBI 4.61 0 0 Other Institutions and Agencies 0 Borrowings outside India 0 0 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 Reserve Bank of India 0 Others 7.97	Borrowings Break-Up Other Institutions & Agencies 0 RBI 0 Reserve Bank of India 24.22 Basel III Omni Tier 2 Bond 0 Upper Tier II Bonds 0 Reserve Bank of India 0 0 Other Institutions and Agencies 53.16 0 Borrowings outside India 19.31 0 0 Subordinated Debt 0 Others 3.31	Borrowings Break-Up Other Institutions & Agencies 0 RBI 0 0 Basel III Omni Tier 2 Bond 9.53 Upper Tier II Bonds 0 Reserve Bank of India 0 0 Other Institutions and Agencies 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.52 Borrowings outside India 38.99 0 0 Subordinated Debt 0 Others 49.96
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Consumer Finance 43.53 Treasury Operations 27.92 Corporate Banking 27.51 India 0 Others 1.04	Asset Break-Up - Segment Wise Corporate Banking 0 India 85.08 Treasury Operations 0 Consumer Finance 0 Others 14.92	Asset Break-Up - Segment Wise Corporate Banking 0 India 0 Treasury Operations 0 Consumer Finance 0 Others 100
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 46.26 Public Sector 7.04 Loan From Banks 2.34 Bills Purchased & Discounted 1.7 Due from Banks 0 Non Priority Sector 0 Priority sector 0 Others 42.66	Priority vs Non-Priority Sector Non Priority Sector 68.35 Due from Banks 0 Bills Purchased & Discounted 0 Public Sector 0 Priority Sector 31.65 Loan From Banks 0 Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 70.37 Due from Banks 0 Bills Purchased & Discounted 0 Public Sector 0 Priority sector 0 Loan From Banks 0 Priority Sector 29.63
NPA Break-Up	NPA Break-Up Overseas 30.75 Agricultural 27.11 MSME Sector 25.17 Retail 14.37 Corporate 2.6 RETAIL 0 AGRICULTURE 0 Large Corporate 0	NPA Break-Up Corporate 0 Large Corporate 0 Agricultural 43.16 MSME Sector 0 Retail 0 Overseas 0 Retail 8.77 Agricultural 0 Others 48.07	-

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