Bank Of Baroda

Financial

	Bank Of Baroda	PNB	Union Bank Of India
Operational Metrics
Asset Management Sector
AUM - Mutual Funds	45002.85 Crs	n/a	19753.03 Crs
5 Yr AUM CAGR - Mutual Funds	35.13 %	n/a	40.76 %
% of AUM in equity fund	58.01 %	n/a	68.42 %
Banking Sector
Capital to Risks Assets Ratio (CRAR)	15.96 %	15.41 %	16.72 %
Tier I Capital	13.44 %	12.53 %	14.89 %
Tier 2 Capital	2.52 %	2.88 %	1.83 %
Credit Deposit Ratio	83.18 %	72.58 %	75.74 %
Fresh Slippages - Quarterly	2503.0 Crs	1600.0 Crs	1820.0 Crs
Cost To Income Ratio	49.53 %	54.16 %	45.14 %
Net Interest Margin	2.94 %	2.93 %	2.91 %
Yield On Advances	8.35 %	8.38 %	8.78 %
Gross NPA	2.43 %	4.09 %	3.85 %
Net NPA	0.59 %	0.41 %	0.82 %
CASA Ratio	39.68 %	38.12 %	33.43 %
CASA vs Liabilities	31.35 %	33.09 %	28.75 %
NBFC
Cost of Borrowing	5.08 %	4.63 %	5.01 %
Financials
5 yr Average ROE	8.74 %	3.94 %	6.47 %
5yr average Equity Multiplier	14.66	13.98	16.13
5yr Average Asset Turnover Ratio	0.08	0.07	0.08
5yr Avg Net Profit Margin	7.68 %	3.72 %	4.62 %
5yr Avg Net Profit Margin	7.68 %	3.72 %	4.62 %
5yr CAGR Net Profit	82.47 %	83.44 %	n/a
5yr CAGR Sales	9.25 %	13.74 %	22.26 %
5 yr CAGR PPOP	13.8 %	10.57 %	25.1 %
Price to Book	0.92	0.9	0.87
P/E	6.32	6.98	6.01
Shareholdings
Promoter Holding	63.97 %	70.08 %	74.76 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-3.07 %	-8.74 %
Change in Mutual Fund Holding (3 Yrs)	-0.75 %	1.84 %	2.52 %

Business

	Bank Of Baroda	PNB	Union Bank Of India
Loan Break-Up	Loan Break-Up Consumer Finance 26.4 Others 24.6 Agricultural 15.7 Power 6.2 Roads & Bridge 3.7 Metals 2.2 Textiles 1.7 Food Processing 1.4 Chemicals 1.4 Infrastructure 1.3 Petrochemicals 0.9 Engineering 0.9 Telecom 0.8 Iron & Steel 0 Trade 0 MSME 0 LC & Other 0 Retail 0 Services 0 Industry 0 Others 12.8	-	Loan Break-Up Telecom 0 Others 0 Services 0 Consumer Finance 0 Chemicals 0 Roads & Bridge 0 Iron & Steel 0 Retail 21.26 Power 0 Metals 0 Textiles 0 Infrastructure 0 MSME 13.74 Trade 0 LC & Other 45.47 Agricultural 0 Petrochemicals 0 Industry 0 Food Processing 0 Engineering 0 Others 19.53
Segment Break-Up	Segment Break-Up Consumer Finance 37.44 Corporate Banking 35.64 Treasury Operations 22.03 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Others 4.89	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Retail banking Operations 0 Treasury Operations 0 Treasure operations 0 Cooperate/Wholesale Banking 0 Others 100	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Consumer Finance 36.15 Treasury Operations 0 Treasury Operations 24.55 Corporate Banking 35.84 Others 3.46
Location Wise Break-Up	Location Wise Break-Up India 87.88 Rest of the World 12.12	Location Wise Break-Up India 95.9 Rest of the World 4.1	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Corporate & Wholesale Banking 51.13 Retail Banking 28.92 Treasury 16.8 Others 3.15	-	Operating Profit Break-Up Retail Banking 43.2 Wholesale Banking 28.75 Treasury 19.36 Others 8.69
Customer Segment	Customer Segment Corporate 40.1 Retail 29.8 Agricultural 15.7 MSME Sector 14.4	-	-
Asset Break-Up	Asset Break-Up India 82.52 Others 17.48	-	Asset Break-Up India 0 Others 100
NPA Break-Up	NPA Break-Up MSME Sector 38.57 Agricultural 26.92 International 16.09 Retail 15.77 Corporate 2.32 Others 0.33 Agri 0 Education 0 Car/Vehicle Loans 0 Housing 0 Retail Loans 0 Corporates 0 Medium & Large 0 Micro & Small (MSE) 0	NPA Break-Up Consumer Finance 7.36 MSME Sector 0 Medium & Large 0 Corporate Banking 5.71 Agricultural 0 International 0 Micro & Small (MSE) 0 Corporate 0 Housing 0 Others 0 Retail 0 Education 0 Agricultural Loan 45.09 Car/Vehicle Loans 0 Others 41.84	NPA Break-Up Consumer Finance 8.57 MSME Sector 0 Medium & Large 37.36 Corporates 0 Agricultural 0 International 0 Micro, Small and Medium Enterprises 14.01 Corporate 0 Housing 0 Others 0 Retail 0 Education 0 Agri 0 Car/Vehicle Loans 0 Others 40.06
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 72.22 Priority Sector 27.78 Non-Priority Sector 0 Priority Sector 0 Non Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 29.79 Non Priority Sector 70.21 Non Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 37.54 Non-Priority Sector 0 Non Priority Sector 62.46
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 61.03 Liquid/ Money Market 25.44 Debt 6.81 Gilt 3.88 Balanced schemes 2.56 ETF 0.18 FMP 0 Equity 0 Others 0.1	-	AUM Break-Up - Asset Management Balanced schemes 0 Liquid/ Money Market 23.93 FMP 0 Debt 2.07 Equity 73.23 Gilt 0 ETF 0 Others 0.77

Bank Of Baroda

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