IDBI Bank Ltd.

Financial

	IDBI	Indian Overseas Bank	Union Bank Of India
Operational Metrics
Asset Management Sector
% of AUM in equity fund	67.98 %	n/a	74.0 %
AUM - Mutual Funds	3767.27 Crs	n/a	16085.65 Crs
5 Yr AUM CAGR - Mutual Funds	-19.47 %	n/a	28.45 %
Banking Sector
Capital to Risks Assets Ratio (CRAR)	22.26 %	17.28 %	16.97 %
Credit Deposit Ratio	67.93 %	76.61 %	68.22 %
Fresh Slippages - Quarterly	1835.0 Crs	329.0 Crs	3202.0 Crs
Gross NPA	4.53 %	3.1 %	4.76 %
Net NPA	0.34 %	0.57 %	1.03 %
CASA Ratio	50.43 %	43.9 %	34.2 %
CASA vs Liabilities	38.55 %	36.55 %	29.74 %
Cost To Income Ratio	46.1 %	62.58 %	53.81 %
Net Interest Margin	4.93 %	3.53 %	3.1 %
Tier I Capital	20.11 %	14.47 %	14.99 %
Tier 2 Capital	2.15 %	2.8 %	1.97 %
Yield On Advances	10.9 %	8.88 %	8.87 %
NBFC
Cost of Borrowing	4.56 %	5.09 %	4.93 %
Financials
5 yr Average ROE	-1.18 %	10.16 %	6.47 %
5yr average Equity Multiplier	7.59	13.66	16.13
5yr Average Asset Turnover Ratio	0.08	0.08	0.08
5yr Avg Net Profit Margin	0.09 %	7.3 %	4.62 %
5yr Avg Net Profit Margin	0.09 %	7.3 %	4.62 %
5yr CAGR Net Profit	n/a	44.92 %	n/a
5yr CAGR Sales	3.57 %	49.29 %	22.26 %
5 yr CAGR PPOP	13.46 %	53.47 %	25.1 %
Price to Book	1.77	4.4	1.07
P/E	15.59	45.54	7.57
Shareholdings
Promoter Holding	94.71 %	96.38 %	74.76 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.54 %	-14.31 %
Change in Mutual Fund Holding (3 Yrs)	-0.03 %	0.03 %	2.51 %

Business

	IDBI	Indian Overseas Bank	Union Bank Of India
Segment Break-Up	Segment Break-Up Consumer Finance 57.16 Treasury Operations 24.14 Corporate Banking 17.53 Retail Banking 0 Corporate / Wholesale Banking 0 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Others 1.17	Segment Break-Up Corporate Banking 28.74 Treasury Operations 0 Retail banking Operations 0 Cooperate/Wholesale Banking 0 Treasure operations 0 Consumer Finance 38.51 Consumer Finance 0 Corporate Banking 0 Others 32.75	Segment Break-Up Corporate / Wholesale Banking 0 Treasury Operations 0 Consumer Finance 28.53 Corporate Banking 41.38 Treasury Operations 25.11 Retail Banking 0 Consumer Finance 0 Corporate Banking 0 Others 4.98
Loan Break-Up	Loan Break-Up Personal Loan 37.48 Services 25.19 Industrial & Commercial 21.25 Agricultural 10.74 MSME 0 LC & Other 0 Retail 0 Others 5.34	Loan Break-Up Personal Loan 0 Agricultural 0 Services 0 Industrial & Commercial 0 LC & Other 0 Retail 22.15 MSME 18.97 Others 58.88	Loan Break-Up Personal Loan 0 Agricultural 0 Services 0 Industrial & Commercial 0 LC & Other 45.07 Retail 19.61 MSME 15.0 Others 20.32
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 2.88 India 97.12	Location Wise Break-Up Rest of the World 0 India 100.0
Borrowings Break-Up	Borrowings Break-Up Basel III Omni Tier 2 Bond 20.93 Reserve Bank of India 18.99 Borrowings outside India 4.42 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 2.39 Upper Tier II Bonds 0 0 RBI 0 Borrowings Outside India 0 Subordinated Debt 0 0 0 Other Institutions & Agencies 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 Others 53.27	Borrowings Break-Up Tier 2 Bonds 0 Reserve Bank of India 0 Borrowings outside India 0 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 Other Institutions & Agencies 62.93 Upper Tier II Bonds 0 Basel III Omni Tier 2 Bond 0 Subordinated Debt 7.12 0 RBI 0 0 0 Borrowings outside India 22.98 Others 6.97	Borrowings Break-Up Tier 2 Bonds 23.07 Reserve Bank of India 31.02 Borrowings outside India 0 0 Upper Tier 2 Bonds 0 Perpetual Bonds 22.46 Other Institutions & Agencies 0 Upper Tier II Bonds 0 Basel III Omni Tier 2 Bond 0 Subordinated Debt 0 0 RBI 0 0 0 Borrowings outside India 18.1 Others 5.35
Investment Break-Up - Life Insurance	Investment Break-Up - Life Insurance Government securities 63.32 Investments in Infrastructure and Social Sector 19.79 Other Approved investments 16.17 Others 0.72	-	-
Profit Before Tax	Profit Before Tax Others 100	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Treasury 43.79 Retail Banking 0 Corporate / Wholesale Banking 0 Others 56.21	Asset Break-Up - Segment Wise Corporate Banking 32.51 Consumer Finance 33.91 Treasury Operations 30.5 Others 3.08	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 65.58 Priority Sector 34.42 Due from Banks 0 Syndicated Loans 0 Bills Purchased & Discounted 0 Public Sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Due from Banks 0 Loan From Banks 1.29 Public Sector 11.41 Bills Purchased & Discounted 3.44 Priority Sector 50.46 Others 33.4	Priority vs Non-Priority Sector Non Priority Sector 62.11 Due from Banks 0 Syndicated Loans 0 Public Sector 0 Bills Purchased & Discounted 0 Priority Sector 37.89
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Non-Participating life 41.63 Linked Life 33.14 Participating 23.36 Non-Participating Group 1.67 Non-Participating Group Variables 0.16 Others 0.04	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 67.98 Liquid/ Money Market 17.85 Debt 5.2 Balanced schemes 4.95 ETF 2.84 FMP 0 Gilt 0 Equity 0 Others 1.18	-	AUM Break-Up - Asset Management ETF 0 Equity 74.44 Liquid/ Money Market 20.0 Gilt 0 Balanced schemes 0 FMP 0 Debt 4.51 Others 1.05

IDBI Bank Ltd.

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