IDBI Bank Ltd.

Financial

	IDBI	Union Bank Of India	Indian Bank
Operational Metrics
Asset Management Sector
% of AUM in equity fund	67.98 %	63.63 %	n/a
AUM - Mutual Funds	3767.27 Crs	23947.91 Crs	n/a
5 Yr AUM CAGR - Mutual Funds	-19.47 %	40.76 %	n/a
Banking Sector
Capital to Risks Assets Ratio (CRAR)	25.39 %	18.3 %	17.8 %
Credit Deposit Ratio	71.38 %	76.4 %	80.77 %
Fresh Slippages - Quarterly	504.0 Crs	2199.0 Crs	1334.0 Crs
Gross NPA	2.93 %	3.52 %	3.01 %
Net NPA	0.21 %	0.62 %	0.18 %
CASA Ratio	44.65 %	32.52 %	38.97 %
CASA vs Liabilities	32.88 %	26.98 %	32.39 %
Cost To Income Ratio	48.86 %	49.19 %	45.78 %
Net Interest Margin	3.68 %	2.76 %	3.23 %
Tier I Capital	23.71 %	16.58 %	15.74 %
Tier 2 Capital	1.68 %	1.72 %	2.06 %
Yield On Advances	9.11 %	8.5 %	8.58 %
NBFC
Cost of Borrowing	4.98 %	4.89 %	5.23 %
Financials
5 yr Average ROE	10.61 %	12.29 %	13.61 %
5yr average Equity Multiplier	7.21	15.51	14.15
5yr Average Asset Turnover Ratio	0.08	0.08	0.07
5yr Avg Net Profit Margin	14.64 %	8.83 %	11.04 %
5yr Avg Net Profit Margin	14.64 %	8.83 %	11.04 %
5yr CAGR Net Profit	38.19 %	44.48 %	29.03 %
5yr CAGR Sales	6.6 %	9.22 %	9.76 %
5 yr CAGR PPOP	9.31 %	9.57 %	11.69 %
Price to Book	1.57	0.86	1.28
P/E	12.62	5.56	8.65
Shareholdings
Promoter Holding	94.71 %	74.76 %	73.84 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-8.74 %	-6.02 %
Change in Mutual Fund Holding (3 Yrs)	0.04 %	2.72 %	5.66 %

Business

	IDBI	Union Bank Of India	Indian Bank
Segment Break-Up	Segment Break-Up Consumer Finance 57.46 Treasury Operations 27.06 Corporate Banking 14.92 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Retail Banking 0 Corporate/ Wholesale Banking 0 Others 0.56	Segment Break-Up Corporate/ Wholesale Banking 0 Corporate Banking 0 Corporate Banking 34.12 Treasury Operations 26.63 Retail Banking 0 Consumer Finance 0 Consumer Finance 36.46 Treasury Operations 0 Others 2.79	Segment Break-Up Corporate Banking 31.42 Corporate Banking 0 Cooperate/Wholesale Banking 0 Treasure operations 0 Consumer Finance 41.46 Consumer Finance 0 Retail banking Operations 0 Treasury Operations 0 Others 27.12
Loan Break-Up	Loan Break-Up Personal Loan 44.18 Services 23.75 Industrial & Commercial 20.93 Agricultural 9.31 MSME 0 LC & Other 0 Retail 0 Corporate Sector 0 MSME sector 0 Agriculture sector 0 Retail sector 0 Others 1.83	Loan Break-Up Services 0 Industrial & Commercial 0 Agriculture sector 0 Agricultural 0 LC & Other 44.06 Retail sector 0 Corporate Sector 0 MSME sector 0 MSME 14.82 Personal Loan 0 Retail 23.5 Others 17.62	Loan Break-Up Services 0 Industrial & Commercial 0 Agricultural 25.93 Agricultural 0 LC & Other 0 Retail 22.25 Corporate 34.66 MSME Sector 17.16 MSME 0 Personal Loan 0 Retail 0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 3.14 India 96.86
Borrowings Break-Up	Borrowings Break-Up Borrowings outside India 38.99 Basel III Omni Tier 2 Bond 9.53 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.52 Upper Tier II Bonds 0 0 Reserve Bank of India 0 Borrowings Outside India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 RBI 0 Others 49.96	Borrowings Break-Up Perpetual Bonds 35.24 RBI 0 Borrowings outside India 0 Tier 2 Bonds 28.92 0 Basel III Omni Tier 2 Bond 0 0 Reserve Bank of India 0 Upper Tier 2 Bonds 0 Upper Tier II Bonds 0 Borrowings outside India 13.35 Others 22.49	Borrowings Break-Up Perpetual Bonds 0 RBI 19.7 Borrowings outside India 3.62 Tier 2 Bonds 0 0 Basel III Omni Tier 2 Bond 0 0 Reserve Bank of India 0 Upper Tier 2 Bonds 0 Upper Tier II Bonds 0 Borrowings Outside India 0 Others 76.68
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 Treasury 38.87 Corporate Banking 0 Retail Banking 0 Others 61.13	-	Profit Before Tax Corporate Banking 26.34 Retail Banking 35.85 Treasury 33.99 Others 3.82
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 70.37 Priority Sector 29.63	Priority vs Non-Priority Sector Non Priority Sector 65.77 Priority Sector 34.23	-
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 Debt 5.42 Balanced schemes 0 ETF 0 Gilt 0 FMP 0 Liquid/ Money Market 22.06 Equity 71.11 Others 1.41	-

IDBI Bank Ltd.

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