Indian Overseas Bank

Financial

	Indian Overseas Bank	Indian Bank	Bank Of India
Operational Metrics
Banking Sector
Net Interest Margin	3.04 %	3.23 %	2.55 %
Yield On Advances	8.92 %	8.58 %	8.01 %
Gross NPA	1.97 %	3.01 %	2.92 %
Net NPA	0.32 %	0.18 %	0.75 %
CASA Ratio	43.78 %	38.97 %	39.88 %
CASA vs Liabilities	35.69 %	32.39 %	30.87 %
Credit Deposit Ratio	79.33 %	80.77 %	80.66 %
Cost To Income Ratio	44.22 %	45.78 %	51.31 %
Fresh Slippages - Quarterly	254.0 Crs	1334.0 Crs	2080.0 Crs
Capital to Risks Assets Ratio (CRAR)	18.28 %	17.8 %	17.39 %
Tier I Capital	15.78 %	15.74 %	15.15 %
Tier 2 Capital	2.5 %	2.06 %	2.24 %
NBFC
Cost of Borrowing	5.22 %	5.23 %	4.66 %
Financials
5 yr Average ROE	10.66 %	13.61 %	9.05 %
5yr average Equity Multiplier	13.38	14.15	13.53
5yr Average Asset Turnover Ratio	0.08	0.07	0.07
5yr Avg Net Profit Margin	7.85 %	11.04 %	8.1 %
5yr Avg Net Profit Margin	7.85 %	11.04 %	8.1 %
5yr CAGR Net Profit	34.96 %	29.03 %	35.6 %
5yr CAGR Sales	8.48 %	9.76 %	10.99 %
5 yr CAGR PPOP	8.49 %	11.69 %	9.98 %
Price to Book	2.14	1.13	0.61
P/E	18.07	7.64	5.24
Shareholdings
Promoter Holding	94.61 %	73.84 %	73.38 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.77 %	-6.02 %	-8.03 %
Change in Mutual Fund Holding (3 Yrs)	0.06 %	5.66 %	3.6 %

Business

	Indian Overseas Bank	Indian Bank	Bank Of India
Loan Break-Up	Loan Break-Up Corporate Sector 0 MSME sector 0 Agriculture sector 0 Retail sector 0 Infrastructure 0 NBFC 0 Realestate 0 Construction 0 Rubber, Plastic & their products 0 0 Chemicals & Chemical products 0 Gems & Jeweler 0 Textiles 0 Basic Metal & Metal products 0 Telecom 0 Roads and Ports 0 Power 0 Personal 0 Education 0 Auto 0 Mortgage 0 Home 0 Others 100	Loan Break-Up Realestate 0 Mortgage 0 Personal 0 Gems & Jeweler 0 Roads and Ports 0 Education 0 MSME Sector 17.16 0 Infrastructure 0 Telecom 0 NBFC 0 Corporate 34.66 Textiles 0 Power 0 Auto 0 Rubber, Plastic & their products 0 Construction 0 Home 0 Agricultural 25.93 Chemicals & Chemical products 0 Retail 22.25 Basic Metal & Metal products 0	Loan Break-Up Real Estate 31.68 Mortgage 0 Personal 0 Gems & Jewelry 1.19 Roads and Ports 0 Education 0 MSME sector 0 Automobiles 0.82 Infrastructure 22.79 Telecom 0 NBFC 26.1 Corporate Sector 0 Textiles 2.48 Power 0 Auto 0 Rubber and plastics 1.55 Construction 1.83 Home 0 Agriculture sector 0 Chemicals 3.0 Retail sector 0 Metals 7.41 Others 1.15
Segment Break-Up	Segment Break-Up Consumer Finance 40.59 Corporate Banking 31.91 Treasury Operations 26.06 Corporate/ Wholesale Banking 0 Retail Banking Operations 0 Wholesale Banking Operations 0 Treasury Operations 0 Others 1.44	Segment Break-Up Wholesale Banking Operations 0 Treasury Operations 0 Consumer Finance 0 Retail Banking Operations 0 Corporate Banking 0 Corporate Banking 31.42 Others 68.58	Segment Break-Up Corporate Banking 33.08 Treasury Operations 30.59 Consumer Finance 0 Consumer Finance 35.79 Corporate Banking 0 Corporate/ Wholesale Banking 0 Others 0.54
Location Wise Break-Up	Location Wise Break-Up India 96.74 Rest of the World 3.26	Location Wise Break-Up Rest of the World 3.14 India 96.86	Location Wise Break-Up Rest of the World 11.82 India 88.18
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 40.86 Corporate Banking 34.69 Treasury Operations 22.15 Others 2.3	-	-
Borrowings Break-Up	Borrowings Break-Up Other Institutions & Agencies 48.78 Borrowings outside India 33.51 Subordinated Debt 5.13 RBI 4.61 0 0 Borrowings outside India 0 Other Institutions and Agencies 0 0 Others 7.97	Borrowings Break-Up RBI 19.7 0 Subordinated Debt 0 Borrowings outside India 3.62 0 0 Other Institutions and Agencies 76.68 Other Institutions & Agencies 0	Borrowings Break-Up RBI 0 0 Subordinated Debt 0 Borrowings outside India 19.31 Reserve Bank of India 24.22 0 Other Institutions and Agencies 53.16 Other Institutions & Agencies 0 Others 3.31
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Consumer Finance 40.17 Treasury Operations 30.02 Corporate Banking 28.36 India 0 Others 1.45	-	Asset Break-Up - Segment Wise Corporate Banking 0 Consumer Finance 0 India 83.52 Treasury Operations 0 Others 16.48
NPA Break-Up	NPA Break-Up Agricultural 30.96 Overseas 26.01 MSME Sector 22.89 Retail 15.87 Corporate 4.27 Services 0 Industry 0 Agriculture and allied activities 0 RETAIL 0 AGRICULTURE 0 Large Corporate 0	NPA Break-Up Agricultural 0 Overseas 0 Industry 0 Corporate 3.0 Large Corporate 0 RETAIL 0 Agricultural 48.0 Services 0 AGRICULTURE 0 Personal Loan 8.0 MSME Sector 0 Others 41.0	NPA Break-Up Agricultural 0 Overseas 0 Industry 14.62 Corporate 0 Large Corporate 0 Retail 8.77 Agriculture and allied activities 0 Services 33.45 Agricultural 43.16 Retail 0 MSME Sector 0
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 46.26 Public Sector 7.04 Loan From Banks 2.34 Bills Purchased & Discounted 1.7 Due from Banks 0 Non Priority Sector 0 Priority sector 0 Others 42.66	-	Priority vs Non-Priority Sector Bills Purchased & Discounted 0 Public Sector 0 Due from Banks 0 Non Priority Sector 68.35 Loan From Banks 0 Priority Sector 31.65 Priority Sector 0

Indian Overseas Bank

SIGN UP FOR FREE