Indian Overseas Bank

Financial

	Indian Overseas Bank	Indian Bank	Bank Of India
Operational Metrics
Banking Sector
Net Interest Margin	3.58 %	3.37 %	2.61 %
Yield On Advances	8.78 %	8.64 %	8.27 %
Gross NPA	2.14 %	3.09 %	3.27 %
Net NPA	0.37 %	0.19 %	0.82 %
CASA Ratio	43.65 %	38.37 %	40.28 %
CASA vs Liabilities	34.5 %	32.38 %	31.26 %
Credit Deposit Ratio	80.15 %	79.79 %	79.72 %
Cost To Income Ratio	44.35 %	45.05 %	48.53 %
Fresh Slippages - Quarterly	2756.0 Crs	1393.0 Crs	1913.0 Crs
Capital to Risks Assets Ratio (CRAR)	19.74 %	17.94 %	17.77 %
Tier I Capital	17.13 %	15.85 %	15.47 %
Tier 2 Capital	2.61 %	2.09 %	2.3 %
NBFC
Cost of Borrowing	5.29 %	5.21 %	4.73 %
Financials
5 yr Average ROE	10.66 %	13.61 %	9.05 %
5yr average Equity Multiplier	13.38	14.15	13.53
5yr Average Asset Turnover Ratio	0.08	0.07	0.07
5yr Avg Net Profit Margin	7.85 %	11.04 %	8.1 %
5yr Avg Net Profit Margin	7.85 %	11.04 %	8.1 %
5yr CAGR Net Profit	34.96 %	29.03 %	35.6 %
5yr CAGR Sales	8.48 %	9.76 %	10.99 %
5 yr CAGR PPOP	8.49 %	11.69 %	9.98 %
Price to Book	2.18	1.16	0.65
P/E	20.68	7.36	5.51
Shareholdings
Promoter Holding	94.61 %	73.84 %	73.38 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.77 %	-6.02 %	-8.03 %
Change in Mutual Fund Holding (3 Yrs)	0.03 %	5.68 %	3.76 %

Business

	Indian Overseas Bank	Indian Bank	Bank Of India
Loan Break-Up	Loan Break-Up Corporate Sector 0 MSME sector 0 Agriculture sector 0 Retail sector 0 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 Others 100	Loan Break-Up Rubber, Plastic & their products 0 NBFC 0 Gems & Jeweler 0 Realestate 0 Construction 0 Home 0 Infrastructure 0 Telecom 0 Mortgage 0 Power 0 Education 0 Basic Metal & Metal products 0 0 Agricultural 25.19 MSME Sector 17.24 Personal 0 Roads and Ports 0 Retail 21.8 Textiles 0 Chemicals & Chemical products 0 Auto 0 Corporate 35.77	Loan Break-Up Rubber and plastics 1.13 NBFC 20.99 Gems & Jewelry 0.81 Real Estate 23.43 Construction 1.3 Home 0 Infrastructure 16.74 Telecom 0 Mortgage 0 Power 0 Education 0 Metals 5.62 Automobiles 0.65 Agriculture sector 0 MSME sector 0 Personal 0 Roads and Ports 0 Retail sector 0 Textiles 1.9 Chemicals 2.36 Auto 0 Corporate Sector 0 Others 25.07
Segment Break-Up	Segment Break-Up Consumer Finance 42.01 Corporate Banking 26.52 Treasury Operations 24.73 Corporate/ Wholesale Banking 0 Retail Banking Operations 0 Wholesale Banking Operations 0 Treasury Operations 0 Others 6.74	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Corporate Banking 31.98 Treasury Operations 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Others 68.02	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Corporate/ Wholesale Banking 0 Treasury Operations 27.9 Corporate Banking 31.74 Consumer Finance 40.23 Others 0.13
Location Wise Break-Up	Location Wise Break-Up India 97.12 Rest of the World 2.88	Location Wise Break-Up India 96.87 Rest of the World 3.13	Location Wise Break-Up India 88.22 Rest of the World 11.78
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 48.11 Treasury Operations 16.53 Corporate Banking 14.99 Others 20.37	-	-
Borrowings Break-Up	Borrowings Break-Up Other Institutions & Agencies 62.93 Borrowings outside India 22.98 Subordinated Debt 7.12 RBI 0 0 0 Borrowings outside India 0 Other Institutions and Agencies 0 0 Others 6.97	Borrowings Break-Up 0 Subordinated Debt 0 Borrowings outside India 3.62 0 Other Institutions & Agencies 0 0 RBI 19.7 Other Institutions and Agencies 76.68	Borrowings Break-Up Reserve Bank of India 17.91 Subordinated Debt 0 Borrowings outside India 9.94 0 Other Institutions & Agencies 0 0 RBI 0 Other Institutions and Agencies 0 Others 72.15
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Consumer Finance 39.47 Treasury Operations 30.33 Corporate Banking 28.61 India 0 Others 1.59	-	Asset Break-Up - Segment Wise India 84.41 Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Others 15.59
NPA Break-Up	NPA Break-Up Agricultural 31.28 Overseas 25.84 MSME Sector 24.57 Retail 14.1 Corporate 4.19 Services 0 Industry 0 Agriculture and allied activities 0 RETAIL 0 AGRICULTURE 0 Large Corporate 0 Others 0.02	NPA Break-Up Personal Loan 10.0 Agricultural 40.0 AGRICULTURE 0 Industry 0 Agricultural 0 Services 0 Large Corporate 0 Corporate 9.0 Overseas 0 MSME Sector 0 RETAIL 0 Others 41.0	NPA Break-Up Retail 0 Agriculture and allied activities 0 Agricultural 19.25 Industry 0 Agricultural 0 Services 0 Large Industries 38.94 Corporate 0 Overseas 0 MSME Sector 0 Retail 4.51 Others 37.3
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 50.46 Public Sector 11.41 Bills Purchased & Discounted 3.44 Loan From Banks 1.29 Due from Banks 0 Non Priority Sector 0 Priority sector 0 Others 33.4	-	Priority vs Non-Priority Sector Loan From Banks 0 Public Sector 0 Priority Sector 0 Bills Purchased & Discounted 0 Due from Banks 0 Non Priority Sector 68.99 Priority Sector 31.01
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-

Indian Overseas Bank

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