Canara Bank

Financial

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

Business

	Canara Bank	Bank Of Baroda	PNB
Segment Break-Up	Segment Break-Up Consumer Finance 43.93 Corporate Banking 30.08 Treasury Operations 18.17 Life Insurance Business 7.82 Retail Banking 0 Corporate/Wholesale Banking 0 Treasury 0	Segment Break-Up Treasury Operations 0 Treasury Operations 20.62 Consumer Finance 0 Corporate Banking 0 Corporate Banking 36.19 Life Insurance Business 0 Consumer Finance 34.62 Others 8.57	Segment Break-Up Treasury Operations 0 Treasury Operations 27.66 Consumer Finance 0 Corporate Banking 0 Corporate Banking 42.28 Life Insurance Business 0 Consumer Finance 27.73 Others 2.33
Location Wise Break-Up	Location Wise Break-Up India 95.48 Rest of the World 4.52	Location Wise Break-Up India 91.11 Rest of the World 8.89	Location Wise Break-Up India 96.34 Rest of the World 3.66
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 Long Term Infrastructure Bonds 0 0 0	-	Borrowings Break-Up RESERVE BANK OF INDIA 0 Borrowings outside India 17.79 Other Institutions & Agencies 0 Bonds 41.63 UNSECURED REDEEMABLE BONDS 0 0 Other banks - India 0 Long Term Infrastructure Bonds 3.99 Others 36.59
Profit Before Tax	Profit Before Tax Retail Banking 77.11 Treasury 22.49 Life Insurance 0.4 Wholesale Banking 0 Corporate & Wholesale Banking 0	-	Profit Before Tax Corporate & Wholesale Banking 39.24 Treasury 31.83 Life Insurance 0 Retail Banking 24.05 Wholesale Banking 0 Others 4.88
NPA Break-Up	NPA Break-Up Corporate 45.77 MSME Sector 27.67 Agricultural 21.03 Retail 5.53 International 0 Others 0 Agriculture 0 Corporate 0 Agri 0 Education 0 Car/Vehicle Loans 0 Housing 0 Retail Loans 0 Corporates 0	NPA Break-Up Car/Vehicle Loans 0 MSME Sector 0 Agricultural 0 Retail 10.35 Education 0 International 25.28 Corporate 7.45 Agri 0 Housing 0 Corporates 0 Retail Loans 0 Agricultural 22.24 Others 0.26 Others 34.42	NPA Break-Up Car/Vehicle Loans 0 MSME Sector 0 Agricultural 0 Retail 0 Education 0 International 0 Corporate 0 Agricultural Loan 39.01 Housing 0 Corporate Banking 14.12 Consumer Finance 8.98 Agriculture 0 Others 0 Others 37.89
Asset Break-Up	Asset Break-Up India 92.68 Others 7.32	Asset Break-Up India 83.87 Others 16.13	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 55.71 Priority Sector 44.29 Non Priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Non Priority Sector 71.58 Priority Sector 28.42 Priority Sector 0 Non Priority Sector 0	Priority vs Non-Priority Sector Non Priority sector 0 Priority sector 0 Priority Sector 30.43 Non Priority Sector 0 Others 69.57
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 78.21 Balanced schemes 11.78 Liquid/ Money Market 4.97 Debt 4.89 ETF 0 FMP 0 Gilt 0 Others 0.15	AUM Break-Up - Asset Management Liquid/ Money Market 20.23 Gilt 0 Debt 6.41 FMP 0 ETF 0 Balanced schemes 1.74 Equity 0 Others 71.62	-

Canara Bank

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