Bank Of Baroda

Financial

	Bank Of Baroda	Canara Bank	PNB
Operational Metrics
Asset Management Sector
% of AUM in equity fund	59.01 %	81.35 %	n/a
5 Yr AUM CAGR - Mutual Funds	27.88 %	42.13 %	n/a
AUM - Mutual Funds	38382.71 Crs	93610.92 Crs	n/a
Banking Sector
CASA Ratio	41.33 %	32.29 %	41.44 %
CASA vs Liabilities	33.76 %	27.57 %	36.34 %
Credit Deposit Ratio	80.56 %	73.2 %	71.79 %
Fresh Slippages - Quarterly	2855.0 Crs	3082.0 Crs	2078.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.31 %	16.28 %	15.97 %
Tier I Capital	14.07 %	13.95 %	13.17 %
Tier 2 Capital	2.24 %	2.33 %	2.8 %
Cost To Income Ratio	49.29 %	50.08 %	56.09 %
Net Interest Margin	3.27 %	3.07 %	3.1 %
Yield On Advances	6.43 %	8.71 %	8.44 %
Gross NPA	2.92 %	4.23 %	5.73 %
Net NPA	0.68 %	1.27 %	0.73 %
NBFC
Cost of Borrowing	5.11 %	5.0 %	4.52 %
Financials
5 yr Average ROE	8.74 %	9.12 %	3.94 %
5yr average Equity Multiplier	14.66	17.85	13.98
5yr Average Asset Turnover Ratio	0.08	0.08	0.07
5yr Avg Net Profit Margin	7.68 %	5.49 %	3.72 %
5yr Avg Net Profit Margin	7.68 %	5.49 %	3.72 %
5yr CAGR Net Profit	82.47 %	n/a	83.44 %
5yr CAGR Sales	9.25 %	17.72 %	13.74 %
5 yr CAGR PPOP	13.8 %	25.16 %	10.57 %
Price to Book	1.14	1.14	1.2
P/E	7.3	6.9	14.59
Shareholdings
Promoter Holding	63.97 %	62.93 %	73.15 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-6.4 %	-3.72 %
Change in Mutual Fund Holding (3 Yrs)	-0.61 %	2.46 %	2.51 %

Business

	Bank Of Baroda	Canara Bank	PNB
Loan Break-Up	Loan Break-Up Others 25.36 Consumer Finance 24.93 Agricultural 15.44 Power 6.44 Roads & Bridge 3.78 Metals 1.87 Textiles 1.78 Food Processing 1.45 Chemicals 1.39 Infrastructure 1.37 Iron & Steel 1.34 Telecom 0.94 Engineering 0.9 Petrochemicals 0.8 Trade 0 Others 12.21	-	-
Segment Break-Up	Segment Break-Up Corporate Banking 36.19 Consumer Finance 34.62 Treasury Operations 20.62 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Others 8.57	Segment Break-Up Consumer Finance 43.93 Life Insurance Business 7.82 Corporate Banking 0 Treasury Operations 18.17 Consumer Finance 0 Corporate Banking 30.08	Segment Break-Up Retail Banking Operations 0 Life Insurance Operation 0 Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Wholesale Banking Operations 0 Others 100
Location Wise Break-Up	Location Wise Break-Up India 91.11 Rest of the World 8.89	Location Wise Break-Up Rest of the World 4.52 India 95.48	Location Wise Break-Up Rest of the World 3.66 India 96.34
Customer Segment	Customer Segment Corporate 42.3 Retail 28.3 Agricultural 15.4 MSME Sector 14.0	-	-
Operating Profit Break-Up	Operating Profit Break-Up Corporate & Wholesale Banking 53.47 Retail Banking 22.39 Treasury 16.0 Others 8.14	-	-
NPA Break-Up	NPA Break-Up MSME Sector 34.42 International 25.28 Agricultural 22.24 Retail 10.35 Corporate 7.45 Others 0.26 Corporate & Others 0 Agriculture & Allied 0 Agri 0 Education 0 Car/Vehicle Loans 0 Housing 0 Retail Loans 0 Corporates 0	NPA Break-Up Education 0 Housing 0 Corporate 0 International 0 Retail 5.53 Car/Vehicle Loans 0 Retail Loans 0 Corporates 0 Corporate 45.77 Agricultural 0 Others 0 Agricultural 21.03 MSME Sector 0 Agri 0 Others 27.67	NPA Break-Up Education 0 Housing 0 Corporate 0 International 0 Retail 0 Car/Vehicle Loans 0 Consumer Finance 8.98 Corporate Banking 14.12 Corporate & Others 0 Agricultural 0 Others 0 Agriculture & Allied 0 MSME Sector 0 Agricultural Loan 39.01 Others 37.89
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 71.62 Liquid/ Money Market 20.23 Debt 6.41 Balanced schemes 1.74 ETF 0 FMP 0 Gilt 0	AUM Break-Up - Asset Management Balanced schemes 11.78 Equity 0 Gilt 0 FMP 0 Liquid/ Money Market 4.97 ETF 0 Debt 4.89 Others 78.36	-
Asset Break-Up	Asset Break-Up India 83.87 Others 16.13	Asset Break-Up India 92.68 Others 7.32	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 71.58 Priority Sector 28.42 Non-Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 44.29 Non Priority Sector 55.71	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 30.43 Non Priority Sector 69.57

Bank Of Baroda

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