Indian Bank

Financial

	Indian Bank	Canara Bank	Indian Overseas Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.23 %	2.55 %	3.04 %
Yield On Advances	8.58 %	8.47 %	8.92 %
Gross NPA	3.01 %	2.69 %	1.97 %
Net NPA	0.18 %	0.63 %	0.32 %
CASA Ratio	38.97 %	29.56 %	43.78 %
CASA vs Liabilities	32.39 %	24.41 %	35.69 %
Credit Deposit Ratio	80.77 %	74.7 %	79.33 %
Cost To Income Ratio	45.78 %	46.77 %	44.22 %
Fresh Slippages - Quarterly	1334.0 Crs	2129.0 Crs	254.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.8 %	16.52 %	18.28 %
Tier I Capital	15.74 %	14.58 %	15.78 %
Tier 2 Capital	2.06 %	1.94 %	2.5 %
NBFC
Cost of Borrowing	5.23 %	5.27 %	5.22 %
Financials
5 yr Average ROE	13.61 %	14.15 %	10.66 %
5yr average Equity Multiplier	14.15	17.53	13.38
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	11.04 %	8.44 %	7.85 %
5yr Avg Net Profit Margin	11.04 %	8.44 %	7.85 %
5yr CAGR Net Profit	29.03 %	43.42 %	34.96 %
5yr CAGR Sales	9.76 %	10.34 %	8.48 %
5 yr CAGR PPOP	11.69 %	9.85 %	8.49 %
Price to Book	1.13	0.88	2.14
P/E	7.64	5.76	18.07
Shareholdings
Promoter Holding	73.84 %	62.93 %	94.61 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-6.02 %	0.0	-1.77 %
Change in Mutual Fund Holding (3 Yrs)	5.66 %	0.77 %	0.06 %

Business

	Indian Bank	Canara Bank	Indian Overseas Bank
Loan Break-Up	Loan Break-Up Corporate 34.66 Agricultural 25.93 Retail 22.25 MSME Sector 17.16	-	Loan Break-Up Agricultural 0 Retail 26.98 MSME Sector 0 Corporate 19.61 Others 53.41
Segment Break-Up	Segment Break-Up Consumer Finance 41.46 Corporate Banking 31.42 Treasury Operations 25.09 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Corporate / Wholesale Banking 0 Others 2.03	Segment Break-Up Corporate / Wholesale Banking 0 Corporate Banking 29.99 Treasury Operations 19.19 Consumer Finance 0 Consumer Finance 41.97 Corporate Banking 0 Life Insurance Business 8.85	Segment Break-Up Corporate Banking 31.91 Wholesale Banking Operations 0 Treasury Operations 0 Consumer Finance 0 Retail Banking Operations 0 Corporate Banking 0 Life Insurance Operation 0 Others 68.09
Location Wise Break-Up	Location Wise Break-Up India 96.86 Rest of the World 3.14	Location Wise Break-Up Rest of the World 4.33 India 95.67	Location Wise Break-Up Rest of the World 3.26 India 96.74
Borrowings Break-Up	Borrowings Break-Up RBI 19.7 Borrowings outside India 3.62 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Borrowings Outside India 0 Subordinated Debt 0 0 0 Other Institutions & Agencies 0 Others 76.68	Borrowings Break-Up RBI 0 UNSECURED REDEEMABLE BONDS 74.79 0 Subordinated Debt 0 Borrowings Outside India 0 Borrowings outside India 0 RESERVE BANK OF INDIA 0 Other banks - India 1.0 Other Institutions & Agencies 24.21 0 Other Institutions & Agencies 0	Borrowings Break-Up RBI 4.61 UNSECURED REDEEMABLE BONDS 0 0 Subordinated Debt 5.13 Borrowings outside India 33.51 Borrowings outside India 0 RESERVE BANK OF INDIA 0 OTHER BANKS 0 OTHER INSTITUTIONS AND AGENCIES 0 0 Other Institutions & Agencies 48.78 Others 7.97
Profit Before Tax	Profit Before Tax Retail Banking 35.85 Treasury 33.99 Corporate Banking 26.34 Life Insurance 0 Wholesale Banking 0 Others 3.82	Profit Before Tax Life Insurance 0.34 Wholesale Banking 0 Corporate Banking 0 Treasury 31.72 Retail Banking 67.94	-
Asset Break-Up	Asset Break-Up India 94.63 Others 5.37	Asset Break-Up India 91.33 Others 8.67	-
NPA Break-Up	NPA Break-Up Agricultural 48.0 MSME 41.0 Personal Loan 8.0 Corporate 3.0 Services 0 Industry 0 Corporate & Others 0 Agriculture & Allied 0 Overseas 0 Agri 0	NPA Break-Up MSME Sector 26.55 Agricultural 0 Corporate 40.18 Industry 0 Overseas 0 Corporate 0 Agricultural 27.14 Services 0 Agri 0 Personal Loan 0 Others 6.13	NPA Break-Up MSME Sector 22.89 Agricultural 0 Corporate & Others 0 Industry 0 Overseas 26.01 Corporate 4.27 Agriculture & Allied 0 Services 0 Agricultural 30.96 Personal Loan 0 Others 15.87

Indian Bank

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