Bank Of Baroda

Financial

	Bank Of Baroda	Canara Bank	PNB
Operational Metrics
Asset Management Sector
% of AUM in equity fund	58.88 %	81.0 %	n/a
5 Yr AUM CAGR - Mutual Funds	27.88 %	42.13 %	n/a
AUM - Mutual Funds	35932.7 Crs	88077.86 Crs	n/a
Banking Sector
CASA Ratio	40.69 %	31.65 %	42.47 %
CASA vs Liabilities	32.18 %	26.47 %	36.88 %
Credit Deposit Ratio	82.39 %	75.26 %	69.24 %
Fresh Slippages - Quarterly	2363.0 Crs	2697.0 Crs	1594.0 Crs
Capital to Risks Assets Ratio (CRAR)	14.72 %	15.78 %	14.63 %
Tier I Capital	12.67 %	13.38 %	11.73 %
Tier 2 Capital	2.05 %	2.4 %	2.9 %
Cost To Income Ratio	49.57 %	50.37 %	51.18 %
Net Interest Margin	3.1 %	3.03 %	3.15 %
Yield On Advances	6.5 %	8.6 %	8.45 %
Gross NPA	3.08 %	4.39 %	6.24 %
Net NPA	0.7 %	1.32 %	0.96 %
NBFC
Cost of Borrowing	4.96 %	4.93 %	4.42 %
Financials
5 yr Average ROE	5.95 %	5.63 %	-2.75 %
5yr average Equity Multiplier	14.88	18.29	14.51
5yr Average Asset Turnover Ratio	0.07	0.08	0.07
5yr Avg Net Profit Margin	5.39 %	3.51 %	-0.99 %
5yr Avg Net Profit Margin	5.39 %	3.51 %	-0.99 %
5yr CAGR Net Profit	68.42 %	79.63 %	n/a
5yr CAGR Sales	12.75 %	13.96 %	10.73 %
5 yr CAGR PPOP	14.24 %	20.63 %	11.73 %
Price to Book	1.17	1.25	1.38
P/E	7.34	7.64	19.69
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 24.97 Consumer Finance 24.69 Agricultural 15.57 Power 6.1 Roads & Bridge 3.83 Metals 1.94 Textiles 1.87 Food Processing 1.53 Chemicals 1.51 Iron & Steel 1.39 Petrochemicals 1.17 Telecom 0.98 Engineering 0.88 Trade 0 Other Infrastructure 0 Others 13.57	-	-
Segment Break-Up	Segment Break-Up Consumer Finance 36.75 Corporate Banking 34.32 Treasury Operations 21.49 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Others 7.44	Segment Break-Up Corporate Banking 29.62 Consumer Finance 43.8 Life Insurance Business 9.46 Consumer Finance 0 Corporate Banking 0 Treasury Operations 17.12	Segment Break-Up Wholesale Banking Operations 0 Retail Banking Operations 0 Life Insurance Operation 0 Consumer Finance 0 Corporate Banking 0 Treasury 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 4.46 India 95.54	Location Wise Break-Up Rest of the World 3.78 India 96.22
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 46.16 Corporate & Wholesale Banking 45.53 Treasury 7.64 Others 0.67	-	-
Customer Segment	Customer Segment Corporate 34.58 Retail 19.41 Agricultural 12.79 MSME Sector 11.05 Others 22.17	-	-
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 55.71 Priority Sector 44.29 Non Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 69.57 Priority Sector 30.43 Non Priority Sector 0
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 51.93 Liquid/ Money Market 32.9 Debt 9.59 Balanced schemes 2.65 ETF 0 FMP 0 Gilt 0 Others 2.93	AUM Break-Up - Asset Management ETF 0 Equity 0 Gilt 0 Liquid/ Money Market 4.97 FMP 0 Debt 4.89 Balanced schemes 11.78 Others 78.36	-
Asset Break-Up	Asset Break-Up India 95.07 Others 4.93	Asset Break-Up India 92.36 Others 7.64	-
NPA Break-Up	NPA Break-Up MSME Sector 33.42 International 29.24 Agricultural 20.83 Retail 9.39 Corporate 6.86 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 Agricultural 0 Corporate 47.53 Agri 0 Housing 0 Corporate 0 Others 0 Retail Loans 0 Corporates 0 International 0 MSME Sector 0 Education 0 Car/Vehicle Loans 0 Retail 5.51 Agricultural 19.41 Others 27.55	NPA Break-Up Agricultural 0 Corporate & Others 0 Agricultural Loan 38.54 Housing 0 Corporate 0 Others 0 Consumer Finance 8.7 Corporate Banking 13.38 International 0 MSME Sector 0 Education 0 Car/Vehicle Loans 0 Retail 0 Agriculture & Allied 0 Others 39.38

Bank Of Baroda

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