Indian Overseas Bank benchmarking: Perfomance to industry peers

Financial

	Indian Overseas Bank	Bank Of India	IDBI
Operational Metrics
Banks
Net Interest Margin	3.21 %	2.41 %	3.7 %
Yield On Advances	9.19 %	7.81 %	9.09 %
Gross NPA	1.83 %	2.54 %	2.65 %
Net NPA	0.28 %	0.65 %	0.21 %
CASA Ratio	40.52 %	39.39 %	45.81 %
CASA vs Liabilities	33.46 %	30.91 %	33.43 %
Credit Deposit Ratio	81.98 %	83.11 %	75.85 %
Cost To Income Ratio	45.76 %	53.02 %	43.37 %
Fresh Slippages - Quarterly	290.0 Crs	887.0 Crs	409.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.94 %	16.69 %	25.39 %
Tier I Capital	15.53 %	14.49 %	23.79 %
Tier 2 Capital	2.41 %	2.19 %	1.6 %
NBFC
Cost of Borrowing	5.16 %	4.84 %	4.9 %
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	2.23	0.77	1.57
P/E	17.3	6.71	11.49
Shareholdings
Promoter Holding	94.61 %	73.38 %	94.71 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.77 %	-8.03 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.04 %	4.08 %	0.03 %

Business

	Indian Overseas Bank	Bank Of India	IDBI
Loan Break-Up	Loan Break-Up Agriculture 29.87 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 70.13	Loan Break-Up Mortgage 0 Personal 0 Real Estate 31.68 Gems & Jewelry 1.19 Agriculture 0 Textiles 2.48 Home 0 Automobiles 0.82 Personal Loans 0 Roads and Ports 0 Services 0 Power 0 Telecom 0 Metals 7.41 Construction 1.83 Infrastructure 22.79 Rubber and plastics 1.55 Chemicals 3.0 Education 0 Industry 0 NBFC 26.1 Auto 0 Others 1.15	Loan Break-Up Mortgage 0 Personal 0 Realestate 0 Gems & Jeweler 0 Agricultural 9.16 Textiles 0 Home 0 0 Personal Loan 42.72 Roads and Ports 0 Services 23.08 Power 0 Telecom 0 Basic Metal & Metal products 0 Construction 0 Infrastructure 0 Rubber, Plastic & their products 0 Chemicals & Chemical products 0 Education 0 Industrial & Commercial 20.69 NBFC 0 Auto 0 Others 4.35
Segment Break-Up	Segment Break-Up Consumer Finance 47.63 Corporate Banking 25.75 Treasury Operations 24.47 Retail Banking Operations 0 Wholesale Banking Operations 0 Treasury Operations 0 Retail banking 0 Corporate/Wholesale banking 0 Others 2.15	Segment Break-Up Corporate Banking 0 Consumer Finance 38.57 Retail banking 0 Corporate Banking 33.08 Treasury Operations 27.72 Consumer Finance 0 Corporate/Wholesale banking 0 Others 0.63	Segment Break-Up Corporate Banking 0 Retail Banking Operations 0 Consumer Finance 55.69 Wholesale Banking Operations 0 Treasury Operations 0 Consumer Finance 0 Corporate Banking 13.42 Others 30.89
Location Wise Break-Up	Location Wise Break-Up India 96.74 Rest of the World 3.26	Location Wise Break-Up India 87.96 Rest of the World 12.04	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 Reserve Bank of India 24.22 Borrowings outside India 19.31 Basel III Omni Tier 2 Bond 0 Reserve Bank of India 0 Other Institutions and Agencies 53.16 Upper Tier II Bonds 0 0 RBI 0 0 0 0 Other Institutions & Agencies 0 Subordinated Debt 0 Others 3.31	Borrowings Break-Up 0 Borrowings outside India 38.99 Basel III Omni Tier 2 Bond 9.53 Reserve Bank of India 0 Other Institutions and Agencies 0 Upper Tier II Bonds 0 0 RBI 0 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.52 0 Other Institutions & Agencies 0 Subordinated Debt 0 Others 49.96
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Consumer Finance 42.05 Treasury Operations 29.32 Corporate Banking 27.56 India 0 Others 1.07	Asset Break-Up - Segment Wise Consumer Finance 0 India 86.29 Treasury Operations 0 Corporate Banking 0 Others 13.71	Asset Break-Up - Segment Wise Consumer Finance 0 India 0 Treasury Operations 0 Corporate Banking 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 Priority Sector 0 Public Sector 0 Non Priority Sector 68.35 Due from Banks 0 Loan From Banks 0 Priority Sector 31.65 Bills Purchased & Discounted 0	Priority vs Non-Priority Sector Priority Sector 29.63 Public Sector 0 Non Priority Sector 70.37 Due from Banks 0 Loan From Banks 0 Priority sector 0 Bills Purchased & Discounted 0
NPA Break-Up	NPA Break-Up Agricultural 30.31 Overseas 27.25 MSME Sector 22.63 Retail 16.52 Corporate 3.29 RETAIL 0 AGRICULTURE 0 Large Corporate 0	NPA Break-Up MSME Sector 0 Agricultural 43.16 Large Corporate 0 Agricultural 0 Retail 8.77 Corporate 0 Retail 0 Overseas 0 Others 48.07	-

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