Indian Overseas Bank

Financial

	Indian Overseas Bank	IDBI	Canara Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.33 %	4.75 %	2.86 %
Yield On Advances	9.02 %	10.17 %	8.77 %
Gross NPA	2.55 %	3.57 %	3.73 %
Net NPA	0.42 %	0.18 %	0.99 %
CASA Ratio	43.37 %	46.35 %	31.27 %
CASA vs Liabilities	34.28 %	34.72 %	25.98 %
Credit Deposit Ratio	77.88 %	73.22 %	75.11 %
Cost To Income Ratio	44.55 %	44.5 %	46.46 %
Fresh Slippages - Quarterly	284.0 Crs	463.0 Crs	2345.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.97 %	21.98 %	16.57 %
Tier I Capital	14.33 %	19.91 %	14.64 %
Tier 2 Capital	2.64 %	2.07 %	1.93 %
NBFC
Cost of Borrowing	5.24 %	4.83 %	5.26 %
Financials
5 yr Average ROE	10.16 %	-1.18 %	9.12 %
5yr average Equity Multiplier	13.66	7.59	17.85
5yr Average Asset Turnover Ratio	0.08	0.08	0.08
5yr Avg Net Profit Margin	7.3 %	0.09 %	5.49 %
5yr Avg Net Profit Margin	7.3 %	0.09 %	5.49 %
5yr CAGR Net Profit	44.92 %	n/a	n/a
5yr CAGR Sales	49.29 %	3.57 %	17.72 %
5 yr CAGR PPOP	53.47 %	13.46 %	25.16 %
Price to Book	3.44	1.64	0.89
P/E	31.94	12.85	5.73
Shareholdings
Promoter Holding	96.38 %	94.71 %	62.93 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	0.04 %	0.01 %	0.82 %

Business

	Indian Overseas Bank	IDBI	Canara Bank
Segment Break-Up	Segment Break-Up Consumer Finance 43.49 Corporate Banking 28.4 Treasury Operations 22.71 Retail banking 0 Corporate/Wholesale banking 0 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Others 5.4	Segment Break-Up Corporate Banking 17.38 Treasury Operations 0 Consumer Finance 0 Consumer Finance 54.65 Corporate Banking 0 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Others 27.97	Segment Break-Up Corporate/Wholesale banking 0 Treasury Operations 17.83 Consumer Finance 0 Retail banking 0 Corporate Banking 0 Life Insurance Business 8.98 Corporate Banking 30.61 Consumer Finance 42.58
Loan Break-Up	Loan Break-Up Agriculture 29.09 Personal Loans 0 Services 0 Industry 0 Others 70.91	Loan Break-Up Industrial & Commercial 20.7 Services 22.08 Agricultural 9.38 Personal Loan 39.67 Others 8.17	-
Location Wise Break-Up	Location Wise Break-Up India 97.12 Rest of the World 2.88	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 4.35 India 95.65
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 60.33 Corporate Banking 35.26 Treasury Operations 0.38 Others 4.03	-	-
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 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 Reserve Bank of India 0 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Others 6.97	Borrowings Break-Up 0 Upper Tier II Bonds 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.77 Subordinated Debt 0 OTHER BANKS 0 OTHER INSTITUTIONS AND AGENCIES 0 0 UNSECURED REDEEMABLE BONDS 0 0 Borrowings outside India 8.43 Reserve Bank of India 14.05 RESERVE BANK OF INDIA 0 Basel III Omni Tier 2 Bond 15.48 RBI 0 Other Institutions & Agencies 0 Others 60.27	Borrowings Break-Up 0 Upper Tier II Bonds 0 0 Subordinated Debt 0 Other banks - India 1.0 Other Institutions & Agencies 24.21 0 UNSECURED REDEEMABLE BONDS 74.79 0 Borrowings outside India 0 Reserve Bank of India 0 RESERVE BANK OF INDIA 0 Basel III Omni Tier 2 Bond 0 RBI 0 Other Institutions & Agencies 0
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Consumer Finance 38.68 Treasury Operations 30.74 Corporate Banking 27.87 Others 2.71	Asset Break-Up - Segment Wise Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Others 100	-
NPA Break-Up	NPA Break-Up Agricultural 30.13 MSME Sector 28.87 Overseas 20.49 Retail 16.11 Corporate 4.4 Corporate & Others 0 Agriculture & Allied 0	-	NPA Break-Up Agricultural 0 Overseas 0 Agricultural 23.91 Corporate 0 MSME Sector 0 Corporate 42.22 Retail 5.48 Others 28.39
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 Non-Priority Sector 0 Others 33.4	Priority vs Non-Priority Sector Non Priority Sector 66.2 Loan From Banks 0 Bills Purchased & Discounted 0 Due from Banks 0 Non-Priority Sector 0 Public Sector 0 Priority Sector 33.8	Priority vs Non-Priority Sector Non Priority Sector 0 Loan From Banks 0 Bills Purchased & Discounted 0 Due from Banks 0 Non Priority Sector 55.71 Public Sector 0 Priority Sector 44.29
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-

Indian Overseas Bank

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