Canara Bank

Financial

	Canara Bank	Union Bank Of India	Indian Overseas Bank
Operational Metrics
Asset Management Sector
AUM - Mutual Funds	106326.89 Crs	19999.1 Crs	n/a
5 Yr AUM CAGR - Mutual Funds	42.13 %	28.45 %	n/a
% of AUM in equity fund	81.57 %	70.44 %	n/a
Banking Sector
Capital to Risks Assets Ratio (CRAR)	16.57 %	17.13 %	17.45 %
Tier I Capital	14.64 %	15.22 %	14.75 %
Tier 2 Capital	1.93 %	1.91 %	2.7 %
Cost To Income Ratio	46.46 %	43.8 %	48.97 %
Credit Deposit Ratio	75.11 %	72.33 %	74.09 %
Fresh Slippages - Quarterly	2345.0 Crs	4946.0 Crs	251.0 Crs
Net Interest Margin	2.86 %	2.97 %	3.08 %
Yield On Advances	8.77 %	8.71 %	8.97 %
Gross NPA	3.73 %	4.36 %	2.72 %
Net NPA	0.99 %	0.98 %	0.47 %
CASA Ratio	31.27 %	32.72 %	42.44 %
CASA vs Liabilities	25.98 %	28.61 %	35.04 %
NBFC
Cost of Borrowing	5.26 %	4.97 %	5.13 %
Financials
5 yr Average ROE	9.12 %	6.47 %	10.16 %
5yr average Equity Multiplier	17.85	16.13	13.66
5yr Average Asset Turnover Ratio	0.08	0.08	0.08
5yr Avg Net Profit Margin	5.49 %	4.62 %	7.3 %
5yr Avg Net Profit Margin	5.49 %	4.62 %	7.3 %
5yr CAGR Net Profit	n/a	n/a	44.92 %
5yr CAGR Sales	17.72 %	22.26 %	49.29 %
5 yr CAGR PPOP	25.16 %	25.1 %	53.47 %
Price to Book	0.89	0.84	3.48
P/E	5.7	5.87	33.0
Shareholdings
Promoter Holding	62.93 %	74.76 %	96.38 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-8.73 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.64 %	1.9 %	0.04 %

Business

	Canara Bank	Union Bank Of India	Indian Overseas Bank
Segment Break-Up	Segment Break-Up Consumer Finance 42.58 Corporate Banking 30.61 Treasury Operations 17.83 Life Insurance Business 8.98 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Retail Banking 0 Corporate / Wholesale Banking 0 Treasury 0	Segment Break-Up Treasury Operations 0 Consumer Finance 34.81 Treasury Operations 25.47 Consumer Finance 0 Treasury 0 Retail Banking 0 Corporate Banking 34.97 Corporate / Wholesale Banking 0 Corporate Banking 0 Life Insurance Business 0 Others 4.75	Segment Break-Up Treasury Operations 0 Retail banking Operations 0 Treasure operations 0 Consumer Finance 0 Treasury Operations 21.78 Consumer Finance 41.93 Cooperate/Wholesale Banking 0 Corporate Banking 34.46 Corporate Banking 0 Life Insurance Business 0 Others 1.83
Location Wise Break-Up	Location Wise Break-Up India 95.65 Rest of the World 4.35	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 2.88 India 97.12
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 Reserve Bank of India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 RBI 0 Subordinated Debt 0 0 0 Other Institutions & Agencies 0	Borrowings Break-Up Other Institutions & Agencies 0 Borrowings outside India 16.6 Reserve Bank of India 0 RBI 0 Subordinated Debt 0 RESERVE BANK OF INDIA 0 0 Other banks - India 0 Tier 2 Bonds 29.47 Perpetual Bonds 35.92 Upper Tier 2 Bonds 0 0 UNSECURED REDEEMABLE BONDS 0 Others 18.01	Borrowings Break-Up Other Institutions & Agencies 62.93 Borrowings outside India 22.98 Reserve Bank of India 0 RBI 0 Subordinated Debt 7.12 RESERVE BANK OF INDIA 0 0 Other banks - India 0 Tier 2 Bonds 0 Perpetual Bonds 0 Upper Tier 2 Bonds 0 0 UNSECURED REDEEMABLE BONDS 0 Others 6.97
Profit Before Tax	Profit Before Tax Retail Banking 72.0 Treasury 27.38 Life Insurance 0.61 Wholesale Banking 0 Others 0.01	-	-
Asset Break-Up	Asset Break-Up India 91.93 Others 8.07	Asset Break-Up India 0 Others 100	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 55.71 Priority Sector 44.29 Non Priority Sector 0 Due from Banks 0 Syndicated Loans 0 Bills Purchased & Discounted 0 Public Sector 0	Priority vs Non-Priority Sector Non Priority Sector 62.46 Syndicated Loans 0 Public Sector 0 Priority Sector 37.54 Due from Banks 0 Bills Purchased & Discounted 0	Priority vs Non-Priority Sector Non Priority Sector 0 Loan From Banks 1.29 Public Sector 11.41 Priority Sector 50.46 Due from Banks 0 Bills Purchased & Discounted 3.44 Others 33.4
NPA Break-Up	NPA Break-Up Corporate 42.22 MSME Sector 28.39 Agricultural 23.91 Retail 5.48 Medium & Large 0 Micro & Small (MSE) 0 Agriculture 0 Retail Loans 0 Overseas 0 Corporate 0 Agri 0	NPA Break-Up MSME Sector 0 Corporate 0 Medium & Large 28.61 Consumer Finance 9.35 Agricultural 0 Micro, Small and Medium Enterprises 25.31 Retail 0 Overseas 0 Agri 0 Agricultural 36.72 Others 0.01	NPA Break-Up MSME Sector 0 Corporate 4.51 Medium & Large 0 Retail Loans 0 Agricultural 0 Micro & Small (MSE) 0 Retail 14.96 Overseas 21.72 Agricultural 30.72 Agriculture 0 Others 28.09
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 81.88 Balanced schemes 11.48 Debt 3.41 Liquid/ Money Market 3.13 ETF 0 FMP 0 Gilt 0 Equity 0 Others 0.1	AUM Break-Up - Asset Management Liquid/ Money Market 24.29 Debt 2.33 Equity 72.42 FMP 0 Balanced schemes 0 Gilt 0 ETF 0 Others 0.96	-

Canara Bank

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