Canara Bank

Financial

	Canara Bank	IDBI	Union Bank Of India
Operational Metrics
Asset Management Sector
AUM - Mutual Funds	101895.44 Crs	3767.27 Crs	19753.03 Crs
5 Yr AUM CAGR - Mutual Funds	43.17 %	-19.47 %	40.76 %
% of AUM in equity fund	79.86 %	67.98 %	68.42 %
Banking Sector
Capital to Risks Assets Ratio (CRAR)	16.44 %	21.98 %	16.72 %
Tier I Capital	14.55 %	19.91 %	14.89 %
Tier 2 Capital	1.89 %	2.07 %	1.83 %
Cost To Income Ratio	47.58 %	44.5 %	45.14 %
Credit Deposit Ratio	76.65 %	73.22 %	75.74 %
Fresh Slippages - Quarterly	2363.0 Crs	463.0 Crs	1820.0 Crs
Net Interest Margin	2.71 %	4.75 %	2.91 %
Yield On Advances	8.79 %	10.17 %	8.78 %
Gross NPA	3.34 %	3.57 %	3.85 %
Net NPA	0.89 %	0.18 %	0.82 %
CASA Ratio	30.0 %	46.35 %	33.43 %
CASA vs Liabilities	25.65 %	34.72 %	28.75 %
NBFC
Cost of Borrowing	5.28 %	4.83 %	5.01 %
Financials
5 yr Average ROE	9.12 %	-1.18 %	6.47 %
5yr average Equity Multiplier	17.85	7.59	16.13
5yr Average Asset Turnover Ratio	0.08	0.08	0.08
5yr Avg Net Profit Margin	5.49 %	0.09 %	4.62 %
5yr Avg Net Profit Margin	5.49 %	0.09 %	4.62 %
5yr CAGR Net Profit	n/a	n/a	n/a
5yr CAGR Sales	17.72 %	3.57 %	22.26 %
5 yr CAGR PPOP	25.16 %	13.46 %	25.1 %
Price to Book	0.87	1.58	0.87
P/E	5.47	12.4	6.01
Shareholdings
Promoter Holding	62.93 %	94.71 %	74.76 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-8.74 %
Change in Mutual Fund Holding (3 Yrs)	1.45 %	0.03 %	2.52 %

Business

	Canara Bank	IDBI	Union Bank Of India
Segment Break-Up	Segment Break-Up Consumer Finance 42.87 Corporate Banking 34.11 Treasury Operations 19.31 Life Insurance Business 3.71 Treasury 0 Retail banking 0 Corporate/Wholesale banking 0 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0	Segment Break-Up Corporate Banking 0 Treasury Operations 0 Consumer Finance 56.53 Cooperate/Wholesale Banking 0 Consumer Finance 0 Treasure operations 0 Retail banking Operations 0 Life Insurance Business 0 Corporate Banking 14.37 Treasury Operations 22.77 Others 6.33	Segment Break-Up Corporate Banking 0 Treasury Operations 0 Retail banking 0 Corporate Banking 35.84 Consumer Finance 0 Treasury Operations 24.55 Consumer Finance 36.15 Life Insurance Business 0 Corporate/Wholesale banking 0 Treasury 0 Others 3.46
Location Wise Break-Up	Location Wise Break-Up India 95.16 Rest of the World 4.84	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Borrowings Break-Up	Borrowings Break-Up UNSECURED REDEEMABLE BONDS 74.79 Other Institutions & Agencies 24.21 Other banks - India 1.0 RESERVE BANK OF INDIA 0 Borrowings outside India 0 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 Reserve Bank of India 0 Borrowings Outside India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0	Borrowings Break-Up Reserve Bank of India 14.05 RESERVE BANK OF INDIA 0 Other banks - India 0 Borrowings Outside India 0 Borrowings outside India 8.43 Tier 2 Bonds 0 0 Upper Tier II Bonds 0 Upper Tier 2 Bonds 0 UNSECURED REDEEMABLE BONDS 0 Perpetual Bonds 0 Other Institutions & Agencies 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.77 Basel III Omni Tier 2 Bond 15.48 Others 60.27	Borrowings Break-Up Reserve Bank of India 0 RESERVE BANK OF INDIA 0 Other banks - India 0 Borrowings outside India 16.6 Borrowings outside India 0 Tier 2 Bonds 29.47 0 Upper Tier II Bonds 0 Upper Tier 2 Bonds 0 UNSECURED REDEEMABLE BONDS 0 Perpetual Bonds 35.92 Other Institutions & Agencies 0 0 Basel III Omni Tier 2 Bond 0 Others 18.01
Profit Before Tax	Profit Before Tax Retail Banking 68.98 Treasury 30.37 Life Insurance 0.65 Wholesale Banking 0	Profit Before Tax Retail Banking 0 Wholesale Banking 0 Life Insurance 0 Treasury 20.91 Others 79.09	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 55.71 Priority Sector 44.29 Non Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 33.8 Non Priority Sector 66.2	Priority vs Non-Priority Sector Priority Sector 37.54 Non Priority Sector 62.46
Asset Break-Up	Asset Break-Up India 100.0	-	Asset Break-Up India 0 Others 100
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 81.92 Balanced schemes 11.34 Liquid/ Money Market 3.49 Debt 3.13 ETF 0 FMP 0 Gilt 0 Equity 0 Others 0.12	AUM Break-Up - Asset Management Balanced schemes 4.95 Gilt 0 Equity 0 Debt 5.2 ETF 2.84 Liquid/ Money Market 17.85 FMP 0 Others 69.16	AUM Break-Up - Asset Management Balanced schemes 0 Gilt 0 Equity 73.23 Debt 2.07 ETF 0 Liquid/ Money Market 23.93 FMP 0 Others 0.77
NPA Break-Up	NPA Break-Up Corporate 40.06 MSME Sector 28.51 Agricultural 25.58 Retail 5.84 Medium & Large 0 Micro & Small (MSE) 0 Agriculture 0 Retail Loans 0 Others 0.01	-	NPA Break-Up Corporate 0 Agricultural 0 Retail 0 MSME Sector 0 Consumer Finance 8.57 Medium & Large 37.36 Micro, Small and Medium Enterprises 14.01 Agricultural 40.06

Canara Bank

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