Bank Of India

Financial

	Bank Of India	IDBI	Indian Overseas Bank
Operational Metrics
Banking Sector
Net Interest Margin	2.92 %	4.93 %	3.53 %
Yield On Advances	8.47 %	10.9 %	8.88 %
Gross NPA	4.98 %	4.53 %	3.1 %
Net NPA	1.22 %	0.34 %	0.57 %
CASA Ratio	43.21 %	50.43 %	43.9 %
CASA vs Liabilities	35.16 %	38.55 %	36.55 %
Credit Deposit Ratio	72.7 %	67.93 %	76.61 %
Cost To Income Ratio	53.73 %	46.1 %	62.58 %
Fresh Slippages - Quarterly	1980.0 Crs	1835.0 Crs	329.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.96 %	22.26 %	17.28 %
Tier 2 Capital	2.03 %	2.15 %	2.8 %
Tier I Capital	14.93 %	20.11 %	14.47 %
NBFC
Cost of Borrowing	4.58 %	4.56 %	5.09 %
Financials
5 yr Average ROE	4.75 %	-1.18 %	10.16 %
5yr average Equity Multiplier	13.86	7.59	13.66
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	4.49 %	0.09 %	7.3 %
5yr Avg Net Profit Margin	4.49 %	0.09 %	7.3 %
5yr CAGR Net Profit	n/a	n/a	44.92 %
5yr CAGR Sales	6.38 %	3.57 %	49.29 %
5 yr CAGR PPOP	4.2 %	13.46 %	53.47 %
Price to Book	0.76	1.77	4.34
P/E	8.2	15.6	44.92
Shareholdings
Promoter Holding	73.38 %	94.71 %	96.38 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-15.72 %	0.0	0.54 %
Change in Mutual Fund Holding (3 Yrs)	4.49 %	-0.03 %	0.03 %

Business

	Bank Of India	IDBI	Indian Overseas Bank
Loan Break-Up	Loan Break-Up NBFC 27.16 Infrastructure 24.79 Metals 6.98 Chemicals 3.41 Textiles 2.76 Construction 1.77 Rubber and plastics 1.46 Gems & Jewelry 1.36 Automobiles 0.98 Realestate 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 Agriculture 0 Others 29.33	Loan Break-Up Services 25.19 Auto 0 Industrial & Commercial 21.25 Infrastructure 0 Agricultural 10.74 Construction 0 Mortgage 0 Education 0 Automobiles 0 Chemicals 0 Textiles 0 Power 0 Metals 0 Gems & Jewelry 0 Personal 0 Roads and Ports 0 Telecom 0 Rubber and plastics 0 NBFC 0 Home 0 Personal Loan 37.48 Realestate 0 Others 5.34	Loan Break-Up Services 0 Auto 0 Industry 0 Infrastructure 0 Agriculture 25.4 Construction 0 Mortgage 0 Education 0 Automobiles 0 Chemicals 0 Textiles 0 Power 0 Metals 0 Gems & Jewelry 0 Personal 0 Roads and Ports 0 Telecom 0 Rubber and plastics 0 NBFC 0 Home 0 Personal Loans 0 Realestate 0 Others 74.6
Segment Break-Up	Segment Break-Up Consumer Finance 39.08 Corporate Banking 33.37 Treasury Operations 26.71 Treasury 0 Retail banking 0 Corporate/Wholesale banking 0 Retail Banking 0 Corporate / Wholesale Banking 0 Others 0.84	Segment Break-Up Consumer Finance 0 Corporate / Wholesale Banking 0 Treasury Operations 24.14 Corporate Banking 0 Retail Banking 0 Corporate Banking 17.53 Treasury Operations 0 Consumer Finance 57.16 Others 1.17	Segment Break-Up Consumer Finance 0 Corporate Banking 28.74 Treasury Operations 27.28 Corporate Banking 0 Consumer Finance 38.51 Corporate/Wholesale banking 0 Treasury Operations 0 Retail banking 0 Others 5.47
Location Wise Break-Up	Location Wise Break-Up India 86.81 Rest of the World 13.19	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 2.88 India 97.12
Retail Loan Break-Up - Banking	Retail Loan Break-Up - Banking Others 100	-	-
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 17.91 Borrowings outside India 9.94 Other Institutions and Agencies 0 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 Reserve Bank of India 0 RBI 0 Borrowings Outside India 0 Subordinated Debt 0 0 0 Other Institutions & Agencies 0 Others 72.15	Borrowings Break-Up Borrowings Outside India 0 Borrowings outside India 4.42 Other Institutions & Agencies 0 Basel III Omni Tier 2 Bond 20.93 0 0 RBI 0 Subordinated Debt 0 0 Upper Tier II Bonds 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 2.39 Other Institutions and Agencies 0 Reserve Bank of India 18.99 Others 53.27	Borrowings Break-Up Borrowings outside India 22.98 Borrowings outside India 0 Other Institutions & Agencies 62.93 Basel III Omni Tier 2 Bond 0 0 0 RBI 0 Subordinated Debt 7.12 0 Upper Tier II Bonds 0 0 Other Institutions and Agencies 0 Reserve Bank of India 0 Others 6.97
Profit Before Tax	Profit Before Tax Others 100	Profit Before Tax Others 100	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise India 85.53 Retail Banking 0 Corporate / Wholesale Banking 0 Treasury 0 Others 14.47	Asset Break-Up - Segment Wise Retail Banking 0 Treasury 43.79 Corporate / Wholesale Banking 0 India 0 Others 56.21	Asset Break-Up - Segment Wise Consumer Finance 33.91 Treasury Operations 30.5 Corporate Banking 32.51 India 0 Others 3.08
NPA Break-Up	NPA Break-Up Large Industries 38.94 MSME Sector 23.09 Agricultural 19.25 Retail 4.51 Overseas 0 Corporate 0 Agri 0 Retail 0 Others 14.21	-	NPA Break-Up Retail 12.13 Agricultural 30.88 Agricultural 0 Corporate 4.25 MSME Sector 0 Overseas 19.97 Large Industries 0 Others 32.77
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 68.99 Priority Sector 31.01 Priority Sector 0 Due from Banks 0 Syndicated Loans 0 Bills Purchased & Discounted 0 Public Sector 0	Priority vs Non-Priority Sector Public Sector 0 Non Priority Sector 65.58 Bills Purchased & Discounted 0 Due from Banks 0 Syndicated Loans 0 Priority Sector 34.42	Priority vs Non-Priority Sector Public Sector 11.41 Non Priority Sector 0 Bills Purchased & Discounted 3.44 Due from Banks 0 Loan From Banks 1.29 Priority Sector 50.46 Others 33.4

Bank Of India

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