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 %	3.91 %
Yield On Advances	8.89 %	7.59 %	8.72 %
Gross NPA	1.42 %	1.98 %	1.45 %
Net NPA	0.21 %	0.56 %	0.13 %
CASA Ratio	40.99 %	37.64 %	52.51 %
CASA vs Liabilities	32.32 %	29.71 %	43.07 %
Credit Deposit Ratio	84.31 %	83.19 %	83.28 %
Cost To Income Ratio	44.02 %	49.44 %	36.51 %
Fresh Slippages - Quarterly	366.0 Crs	1269.0 Crs	839.0 Crs
Capital to Risks Assets Ratio (CRAR)	19.78 %	18.01 %	18.36 %
Tier I Capital	16.94 %	15.36 %	15.41 %
Tier 2 Capital	2.84 %	2.65 %	2.95 %
NBFC
Cost of Borrowing	4.9 %	4.49 %	3.95 %
Financials
5 yr Average ROE	10.66 %	9.05 %	16.73 %
5yr average Equity Multiplier	13.38	13.53	15.54
5yr Average Asset Turnover Ratio	0.08	0.07	0.07
5yr Avg Net Profit Margin	7.85 %	8.1 %	12.49 %
5yr Avg Net Profit Margin	7.85 %	8.1 %	12.49 %
5yr CAGR Net Profit	34.96 %	35.6 %	57.52 %
5yr CAGR Sales	8.48 %	10.99 %	14.4 %
5 yr CAGR PPOP	8.49 %	9.98 %	18.66 %
Price to Book	1.76	0.71	1.85
P/E	11.99	6.21	8.77
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 %	-17.37 %
Change in Mutual Fund Holding (3 Yrs)	0.12 %	1.74 %	6.04 %

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 Chemicals 2.34 Personal 0 Rubber and plastics 1.12 Auto 0 Metals 6.12 Home 0 NBFC 20.41 Roads and Ports 0 Automobiles 0.59 Gems & Jewelry 0.82 Power 0 Infrastructure 14.19 Construction 1.12 Retail Sector 0 Textiles 1.78 Mortgage 0 0 Agriculture Sector 0 Education 0 Real Estate 24.7 Corporate & Others 0 Telecom 0 Others 26.81	Loan Break-Up Chemicals & Chemical products 0 Personal 0 Rubber, Plastic & their products 0 Auto 0 Basic Metal & Metal products 0 Home 0 NBFC 0 Roads and Ports 0 0 Gems & Jeweler 0 Power 0 Infrastructure 0 Construction 0 Retail 30.04 Textiles 0 Mortgage 0 MSME Sector 18.73 Agricultural 14.07 Education 0 Realestate 0 Corporate 37.16 Telecom 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 38.54 Consumer Finance 0 Corporate Banking 34.32 Corporate Banking 0 Corporate/ Wholesale Banking 0 Treasury Operations 26.41 Others 0.73	Segment Break-Up Retail Banking Operations 0 Consumer Finance 0 Wholesale Banking Operations 0 Corporate Banking 0 Corporate Banking 33.77 Treasury Operations 0 Others 66.23
Location Wise Break-Up	Location Wise Break-Up India 96.74 Rest of the World 3.26	Location Wise Break-Up India 88.4 Rest of the World 11.6	Location Wise Break-Up India 100.0 Rest of the World 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 Consumer Finance 0 Corporate & Wholesale Banking 44.54 Corporate Banking 0 Treasury Operations 0 Others 55.46
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 Infra Bonds 0 Subordinated Debt Bonds 0 Reserve Bank Of India 0 Others 7.97	Borrowings Break-Up Other Institutions and Agencies 53.16 0 Other Institutions & Agencies 0 RBI 0 Subordinated Debt 0 Borrowings outside India 19.31 Subordinated Debt Bonds 0 Reserve Bank Of India 0 Reserve Bank of India 24.22 0 Infra Bonds 0 Others 3.31	Borrowings Break-Up Other Institutions and Agencies 0 Innovative Perpetual Debt Instruments (IPDI) 7.88 Other Institutions & Agencies 0 RBI 0 Subordinated Debt 0 Borrowings outside India 0 Subordinated Debt 17.31 Reserve Bank Of India 0 0 0 Infrastructure Bonds 10.16 Others 64.65
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 India 85.08 Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Others 14.92	-
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 Medium 0 Agriculture 0 Large Corporate & Other 0 Overseas 0 Retail 0 Micro & Small 0 MSME Sector 0 Agricultural 0 Corporate 0 Large Corporate 0 Retail 8.77 Agricultural 43.16 Others 48.07	NPA Break-Up Medium 0 Agricultural 73.1 Large Industries 2.05 Overseas 0 Retail 5.46 Micro, Small and Medium Enterprises 19.38 MSME Sector 0 Agricultural 0 Corporate 0 Large Corporate 0 RETAIL 0 AGRICULTURE 0 Others 0.01
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 Due from Banks 0 Bills Purchased & Discounted 0 Priority Sector 31.65 Public Sector 0 Loan From Banks 0 Priority Sector 0 Non Priority Sector 68.35	-

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Indian Overseas Bank

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