Bank Of India

Financial

	Bank Of India	Bank of Maharashtra	UCO Bank
Operational Metrics
Banking Sector
Net Interest Margin	2.55 %	3.95 %	2.96 %
Yield On Advances	8.01 %	9.28 %	8.26 %
Gross NPA	2.92 %	1.74 %	2.63 %
Net NPA	0.75 %	0.18 %	0.45 %
CASA Ratio	39.88 %	50.07 %	36.91 %
CASA vs Liabilities	30.87 %	41.58 %	30.14 %
Credit Deposit Ratio	80.66 %	79.04 %	75.38 %
Cost To Income Ratio	51.31 %	37.57 %	54.06 %
Fresh Slippages - Quarterly	2080.0 Crs	727.0 Crs	608.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.39 %	20.06 %	18.39 %
Tier 2 Capital	2.24 %	3.43 %	2.03 %
Tier I Capital	15.15 %	16.63 %	16.36 %
NBFC
Cost of Borrowing	4.66 %	4.26 %	4.73 %
Financials
5 yr Average ROE	9.05 %	16.73 %	6.17 %
5yr average Equity Multiplier	13.53	15.54	11.6
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	8.1 %	12.49 %	5.97 %
5yr Avg Net Profit Margin	8.1 %	12.49 %	5.97 %
5yr CAGR Net Profit	35.6 %	57.52 %	76.11 %
5yr CAGR Sales	10.99 %	14.4 %	10.52 %
5 yr CAGR PPOP	9.98 %	18.66 %	7.79 %
Price to Book	0.61	1.39	1.18
P/E	5.24	7.25	14.8
Shareholdings
Promoter Holding	73.38 %	79.6 %	90.95 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-8.03 %	-11.37 %	-4.44 %
Change in Mutual Fund Holding (3 Yrs)	3.6 %	0.82 %	0.12 %

Business

	Bank Of India	Bank of Maharashtra	UCO Bank
Segment Break-Up	Segment Break-Up Consumer Finance 35.79 Corporate Banking 33.08 Treasury Operations 30.59 Retail Banking 0 Corporate/ Wholesale Banking 0 Treasury 0 Corporate/Wholesale Banking 0 Others 0.54	Segment Break-Up Treasury Operations 0 Consumer Finance 0 Corporate Banking 0 Treasury Operations 23.41 Corporate/Wholesale Banking 0 Corporate Banking 33.26 Consumer Finance 43.33	Segment Break-Up Treasury Operations 0 Consumer Finance 0 Corporate Banking 0 Treasury Operations 24.34 Corporate Banking 50.06 Corporate/ Wholesale Banking 0 Consumer Finance 25.52 Others 0.08
Loan Break-Up	Loan Break-Up Real Estate 31.68 NBFC 26.1 Infrastructure 22.79 Metals 7.41 Chemicals 3.0 Textiles 2.48 Construction 1.83 Rubber and plastics 1.55 Gems & Jewelry 1.19 Automobiles 0.82 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 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Others 1.15	Loan Break-Up Real Estate 0 MSME Sector 18.65 Retail 29.85 Industry 0 Gems & Jewelry 0 Mortgage 0 Personal 0 Roads and Ports 0 0 Corporate 37.9 Automobiles 0 Education 0 Agriculture and allied activities 0 Chemicals 0 Infrastructure 0 Telecom 0 Personal Loans 0 NBFC 0 Textiles 0 Power 0 Metals 0 Auto 0 Construction 0 Home 0 Services 0 Agricultural 13.6 Rubber and plastics 0	Loan Break-Up Real Estate 0 0 Retail Sector 0 Industrial & Commercial 12.8 Gems & Jewelry 0 Mortgage 0 Personal 0 Roads and Ports 0 Priority Sector 1.33 Corporate & Others 0 Automobiles 0 Education 0 Agricultural 15.13 Chemicals 0 Infrastructure 0 Telecom 0 Personal Loan 52.23 NBFC 0 Textiles 0 Power 0 Metals 0 Auto 0 Construction 0 Home 0 Services 18.51 Agriculture Sector 0 Rubber and plastics 0
Location Wise Break-Up	Location Wise Break-Up India 88.18 Rest of the World 11.82	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 5.93 India 94.07
Retail Loan Break-Up - Banking	Retail Loan Break-Up - Banking Others 100	-	-
Borrowings Break-Up	Borrowings Break-Up Other Institutions and Agencies 53.16 Reserve Bank of India 24.22 Borrowings outside India 19.31 Borrowings Outside India 0 Infra Bonds 0 Subordinated Debt Bonds 0 0 0 Reserve Bank Of India 0 Reserve Bank of India 0 Others 3.31	Borrowings Break-Up Infrastructure Bonds 10.16 0 Borrowings Outside India 0 Borrowings outside India 0 Reserve Bank Of India 0 Innovative Perpetual Debt Instruments (IPDI) 7.88 Other Institutions and Agencies 0 Subordinated Debt 17.31 Reserve Bank of India 0 Others 64.65	Borrowings Break-Up Infra Bonds 0 0 Borrowings Outside India 0 Borrowings outside India 1.04 Reserve Bank Of India 0 0 Other Institutions and Agencies 0 Subordinated Debt Bonds 0 Reserve Bank of India 17.43 Others 81.53
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise India 83.52 Others 16.48	-	-
Profit Before Tax	Profit Before Tax Others 100	-	-
NPA Break-Up	NPA Break-Up Agricultural 43.16 Services 33.45 Industry 14.62 Retail 8.77 MSME 0 Large Corporate 0 Large Corporate & Other 0 Medium 0 Micro & Small 0 Retail 0 Agriculture 0 Others 0 Personal Loans 0 0 Agriculture and allied activities 0	NPA Break-Up MSME 0 0 Medium 0 Micro, Small and Medium Enterprises 16.98 Agricultural 0 Industry 0 Large Industries 1.02 Large Corporate 0 Agricultural 75.27 Personal Loans 0 Agriculture and allied activities 0 Services 0 Retail 6.7 Others 0 Others 0.03	NPA Break-Up MSME 0 Priority Sector 0.88 Medium 0 Micro & Small 0 Agricultural 0 Industrial & Commercial 0.08 Large Corporate & Other 0 Large Corporate 0 Agriculture 0 Personal Loan 8.4 Agricultural 55.33 Services 35.31 Retail 0 Others 0
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 68.35 Priority Sector 31.65 Non Priority Sector Advance 0 Priority Sector Advance 0	-	Priority vs Non-Priority Sector Priority Sector 0 Non Priority Sector 56.13 Priority Sector 43.87 Non Priority Sector 0

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