Indian Overseas Bank benchmarking: Performance to industry peers

Financial

	Indian Overseas Bank	Bank Of India	Bank of Maharashtra
Operational Metrics
Banks
Net Interest Margin	3.33 %	2.58 %	3.79 %
Yield On Advances	8.89 %	7.59 %	8.57 %
Gross NPA	1.42 %	1.98 %	1.45 %
Net NPA	0.21 %	0.56 %	0.13 %
CASA Ratio	40.99 %	37.64 %	49.0 %
CASA vs Liabilities	32.32 %	29.71 %	39.6 %
Credit Deposit Ratio	84.31 %	83.19 %	88.82 %
Cost To Income Ratio	44.02 %	49.44 %	35.04 %
Fresh Slippages - Quarterly	366.0 Crs	1269.0 Crs	888.0 Crs
Capital to Risks Assets Ratio (CRAR)	19.78 %	18.01 %	18.64 %
Tier I Capital	16.94 %	15.36 %	16.35 %
Tier 2 Capital	2.84 %	2.65 %	2.29 %
NBFC
Cost of Borrowing	4.9 %	4.49 %	4.01 %
Financials
5 yr Average ROE	12.26 %	10.56 %	20.49 %
5yr average Equity Multiplier	12.73	13.22	14.92
5yr Average Asset Turnover Ratio	0.08	0.07	0.08
5yr Avg Net Profit Margin	10.05 %	9.63 %	15.98 %
5yr Avg Net Profit Margin	10.05 %	9.63 %	15.98 %
5yr CAGR Net Profit	25.95 %	24.16 %	43.49 %
5yr CAGR Sales	11.77 %	13.1 %	15.93 %
5 yr CAGR PPOP	12.18 %	11.45 %	17.43 %
Price to Book	1.76	0.73	1.71
P/E	12.01	6.33	8.11
Shareholdings
Promoter Holding	92.44 %	73.38 %	73.6 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.94 %	-8.03 %	-12.86 %
Change in Mutual Fund Holding (3 Yrs)	0.16 %	2.76 %	6.38 %

Business

	Indian Overseas Bank	Bank Of India	Bank of Maharashtra
Loan Break-Up	Loan Break-Up 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 Corporate & Others 0 0 Agriculture Sector 0 Retail Sector 0 Others 100	Loan Break-Up Roads and Ports 0 0 Agriculture Sector 0 Retail Sector 0 Corporate & Others 0 Home 0 Chemicals 2.33 Real Estate 35.67 Textiles 2.37 Infrastructure 19.04 Gems & Jewelry 1.07 NBFC 28.13 Telecom 0 Construction 1.43 Automobiles 0.75 Rubber and plastics 1.52 Power 0 Metals 7.69 Personal 0 Education 0 Mortgage 0 Auto 0	Loan Break-Up Roads and Ports 0 MSME Sector 18.59 Agricultural 14.2 Retail 30.1 Corporate 37.11 Home 0 Chemicals & Chemical products 0 Realestate 0 Textiles 0 Infrastructure 0 Gems & Jeweler 0 NBFC 0 Telecom 0 Construction 0 0 Rubber, Plastic & their products 0 Power 0 Basic Metal & Metal products 0 Personal 0 Education 0 Mortgage 0 Auto 0
Segment Break-Up	Segment Break-Up Consumer Finance 46.28 Corporate Banking 30.49 Treasury Operations 21.75 Retail Banking Operations 0 Wholesale Banking Operations 0 Treasury Operations 0 Corporate/ Wholesale Banking 0 Others 1.48	Segment Break-Up Consumer Finance 0 Corporate Banking 35.98 Consumer Finance 39.24 Treasury Operations 23.18 Corporate/ Wholesale Banking 0 Corporate Banking 0 Others 1.6	Segment Break-Up Consumer Finance 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Corporate Banking 31.32 Corporate Banking 0 Others 68.68
Location Wise Break-Up	Location Wise Break-Up India 96.72 Rest of the World 3.28	Location Wise Break-Up India 87.95 Rest of the World 12.05	Location Wise Break-Up India 99.0 Rest of the World 0 Others 1.0
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 45.43 Corporate Banking 37.11 Treasury Operations 15.24 Corporate & Wholesale Banking 0 Others 2.22	-	Operating Profit Break-Up Corporate & Wholesale Banking 36.95 Treasury Operations 0 Consumer Finance 0 Corporate Banking 0 Others 63.05
Borrowings Break-Up	Borrowings Break-Up Other Institutions & Agencies 54.43 Borrowings outside India 34.48 Subordinated Debt 6.13 RBI 0 0 0 Other Institutions and Agencies 0 Borrowings outside India 0 0 Infra Bonds 0 Subordinated Debt Bonds 0 Reserve Bank Of India 0 Others 4.96	Borrowings Break-Up RBI 0 Subordinated Debt Bonds 0 Subordinated Debt 0 Reserve Bank of India 24.22 0 0 Borrowings outside India 19.31 Reserve Bank Of India 0 Infra Bonds 0 Other Institutions and Agencies 53.16 Other Institutions & Agencies 0 Others 3.31	Borrowings Break-Up RBI 0 Subordinated Debt 11.72 Subordinated Debt 0 0 0 Innovative Perpetual Debt Instruments (IPDI) 5.34 Borrowings outside India 0 Reserve Bank Of India 0 Infrastructure Bonds 6.88 Other Institutions and Agencies 0 Other Institutions & Agencies 0 Others 76.06
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Consumer Finance 45.73 Treasury Operations 27.44 Corporate Banking 25.83 India 0 Others 1.0	Asset Break-Up - Segment Wise Corporate Banking 0 India 85.04 Consumer Finance 0 Treasury Operations 0 Others 14.96	-
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-
NPA Break-Up	NPA Break-Up Overseas 31.93 MSME Sector 27.41 Agricultural 26.01 Retail 12.0 Corporate 2.65 RETAIL 0 AGRICULTURE 0 Large Corporate 0 Large Corporate & Other 0 Medium 0 Micro & Small 0 Agriculture 0	NPA Break-Up Large Corporate 0 Large Corporate & Other 0 Medium 0 Agricultural 0 Overseas 0 Retail 0 Retail 8.77 Micro & Small 0 Agriculture 0 Corporate 0 Agricultural 43.16 MSME Sector 0 Others 48.07	NPA Break-Up Large Corporate 0 Large Industries 2.05 Medium 0 Agricultural 0 Overseas 0 Retail 5.46 RETAIL 0 Micro, Small and Medium Enterprises 19.38 Agricultural 73.1 Corporate 0 AGRICULTURE 0 MSME Sector 0 Others 0.01
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 50.99 Public Sector 7.17 Loan From Banks 1.78 Bills Purchased & Discounted 0.56 Due from Banks 0 Non Priority Sector 0 Priority sector 0 Others 39.5	Priority vs Non-Priority Sector Loan From Banks 0 Priority Sector 31.65 Due from Banks 0 Bills Purchased & Discounted 0 Non Priority Sector 68.35 Priority Sector 0 Public Sector 0	-

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Indian Overseas Bank

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