Indian Overseas Bank benchmarking: Perfomance to industry peers

Financial

	Indian Overseas Bank	Indian Bank	IDBI
Operational Metrics
Banking Sector
Net Interest Margin	3.04 %	3.23 %	3.68 %
Yield On Advances	8.92 %	8.58 %	9.11 %
Gross NPA	1.97 %	3.01 %	2.93 %
Net NPA	0.32 %	0.18 %	0.21 %
CASA Ratio	43.78 %	38.97 %	44.65 %
CASA vs Liabilities	35.69 %	32.39 %	32.88 %
Credit Deposit Ratio	79.33 %	80.77 %	71.38 %
Cost To Income Ratio	44.22 %	45.78 %	48.86 %
Fresh Slippages - Quarterly	254.0 Crs	1334.0 Crs	504.0 Crs
Capital to Risks Assets Ratio (CRAR)	18.28 %	17.8 %	25.39 %
Tier I Capital	15.78 %	15.74 %	23.71 %
Tier 2 Capital	2.5 %	2.06 %	1.68 %
NBFC
Cost of Borrowing	5.22 %	5.23 %	4.98 %
Financials
5 yr Average ROE	10.66 %	13.61 %	10.61 %
5yr average Equity Multiplier	13.38	14.15	7.21
5yr Average Asset Turnover Ratio	0.08	0.07	0.08
5yr Avg Net Profit Margin	7.85 %	11.04 %	14.64 %
5yr Avg Net Profit Margin	7.85 %	11.04 %	14.64 %
5yr CAGR Net Profit	34.96 %	29.03 %	38.19 %
5yr CAGR Sales	8.48 %	9.76 %	6.6 %
5 yr CAGR PPOP	8.49 %	11.69 %	9.31 %
Price to Book	2.36	1.28	1.57
P/E	19.91	8.65	12.62
Shareholdings
Promoter Holding	94.61 %	73.84 %	94.71 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.77 %	-6.02 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.06 %	5.66 %	0.04 %

Business

	Indian Overseas Bank	Indian Bank	IDBI
Loan Break-Up	Loan Break-Up Agriculture 29.17 Corporate Sector 0 MSME sector 0 Agriculture sector 0 Retail sector 0 Personal Loans 0 Services 0 Industry 0 Others 70.83	Loan Break-Up Agriculture 0 MSME Sector 17.16 Agricultural 25.93 Retail 22.25 Corporate 34.66 Personal Loans 0 Services 0 Industry 0	Loan Break-Up Agricultural 9.31 MSME sector 0 Agriculture sector 0 Retail sector 0 Corporate Sector 0 Personal Loan 44.18 Services 23.75 Industrial & Commercial 20.93 Others 1.83
Segment Break-Up	Segment Break-Up Consumer Finance 40.59 Corporate Banking 31.91 Treasury Operations 26.06 Corporate/ Wholesale Banking 0 Retail banking 0 Corporate/Wholesale banking 0 Others 1.44	Segment Break-Up Retail banking 0 Corporate Banking 31.42 Treasury Operations 0 Corporate/Wholesale banking 0 Consumer Finance 0 Corporate Banking 0 Others 68.58	Segment Break-Up Consumer Finance 57.46 Corporate/ Wholesale Banking 0 Treasury Operations 0 Corporate Banking 14.92 Consumer Finance 0 Corporate Banking 0 Others 27.62
Location Wise Break-Up	Location Wise Break-Up India 96.74 Rest of the World 3.26	Location Wise Break-Up India 96.86 Rest of the World 3.14	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 40.86 Corporate Banking 34.69 Treasury Operations 22.15 Others 2.3	-	-
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 Borrowings outside India 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 0 0 Borrowings outside India 3.62 Subordinated Debt 0 0 Other Institutions & Agencies 0 0 Reserve Bank of India 0 Basel III Omni Tier 2 Bond 0 RBI 19.7 Upper Tier II Bonds 0 Others 76.68	Borrowings Break-Up 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.52 Borrowings outside India 38.99 Subordinated Debt 0 0 Other Institutions & Agencies 0 0 Reserve Bank of India 0 Basel III Omni Tier 2 Bond 9.53 RBI 0 Upper Tier II Bonds 0 Others 49.96
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Consumer Finance 40.17 Treasury Operations 30.02 Corporate Banking 28.36 Others 1.45	-	Asset Break-Up - Segment Wise Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Others 100
NPA Break-Up	NPA Break-Up Agricultural 30.96 Overseas 26.01 MSME Sector 22.89 Retail 15.87 Corporate 4.27 Services 0 Industry 0 Agriculture and allied activities 0	NPA Break-Up Personal Loan 8.0 Agricultural 48.0 MSME Sector 0 Overseas 0 Industry 0 Services 0 Agricultural 0 Corporate 3.0 Others 41.0	-
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 Others 42.66	-	Priority vs Non-Priority Sector Public Sector 0 Non Priority Sector 70.37 Loan From Banks 0 Priority Sector 29.63 Bills Purchased & Discounted 0 Due from Banks 0

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Indian Overseas Bank

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