Canara Bank

Financial

	Canara Bank	Bank Of Baroda	Union Bank Of India
Operational Metrics
Asset Management Sector
% of AUM in equity fund	81.0 %	58.88 %	74.44 %
5 Yr AUM CAGR - Mutual Funds	42.13 %	27.88 %	28.45 %
AUM - Mutual Funds	88077.86 Crs	35932.7 Crs	15013.37 Crs
Banking Sector
CASA Ratio	31.65 %	40.69 %	34.4 %
CASA vs Liabilities	26.47 %	32.18 %	29.75 %
Credit Deposit Ratio	75.26 %	82.39 %	73.62 %
Fresh Slippages - Quarterly	2697.0 Crs	2363.0 Crs	2401.0 Crs
Capital to Risks Assets Ratio (CRAR)	15.78 %	14.72 %	15.03 %
Tier I Capital	13.38 %	12.67 %	13.06 %
Tier 2 Capital	2.4 %	2.05 %	1.98 %
Cost To Income Ratio	50.37 %	49.57 %	43.77 %
Net Interest Margin	3.03 %	3.1 %	3.08 %
Yield On Advances	8.6 %	6.5 %	8.75 %
Gross NPA	4.39 %	3.08 %	4.83 %
Net NPA	1.32 %	0.7 %	1.08 %
NBFC
Cost of Borrowing	4.93 %	4.96 %	5.27 %
Financials
5 yr Average ROE	5.63 %	5.95 %	0.66 %
5yr average Equity Multiplier	18.29	14.88	16.97
5yr Average Asset Turnover Ratio	0.08	0.07	0.08
5yr Avg Net Profit Margin	3.51 %	5.39 %	0.8 %
5yr Avg Net Profit Margin	3.51 %	5.39 %	0.8 %
5yr CAGR Net Profit	79.63 %	68.42 %	n/a
5yr CAGR Sales	13.96 %	12.75 %	19.79 %
5 yr CAGR PPOP	20.63 %	14.24 %	27.44 %
Price to Book	1.25	1.17	1.22
P/E	7.64	7.34	8.67
Shareholdings
Promoter Holding	62.93 %	63.97 %	74.76 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-6.4 %	0.0	-14.31 %
Change in Mutual Fund Holding (3 Yrs)	2.46 %	-0.61 %	2.51 %

Business

	Canara Bank	Bank Of Baroda	Union Bank Of India
Segment Break-Up	Segment Break-Up Consumer Finance 43.8 Corporate Banking 29.62 Treasury Operations 17.12 Life Insurance Business 9.46 Retail Banking 0 Corporate/Wholesale Banking 0 Treasury 0 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Treasury Operations 21.49 Corporate Banking 34.32 Retail banking Operations 0 Treasury Operations 0 Consumer Finance 36.75 Life Insurance Business 0 Cooperate/Wholesale Banking 0 Treasure operations 0 Others 7.44	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Treasury 0 Corporate/Wholesale Banking 0 Consumer Finance 43.53 Treasury Operations 0 Retail Banking 0 Life Insurance Business 0 Corporate Banking 25.99 Treasury Operations 25.94 Others 4.54
Location Wise Break-Up	Location Wise Break-Up India 95.54 Rest of the World 4.46	Location Wise Break-Up India 91.11 Rest of the World 8.89	Location Wise Break-Up India 100.0 Rest of the World 0
Borrowings Break-Up	Borrowings Break-Up UNSECURED REDEEMABLE BONDS 52.93 Other Institutions & Agencies 34.14 Reserve Bank of India 1.46 Other banks - India 0.66 Borrowings Outside India 0 Reserve Bank of India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 Others 10.81	-	Borrowings Break-Up Perpetual Bonds 22.46 Reserve Bank of India 31.02 Other banks - India 0 Tier 2 Bonds 23.07 Upper Tier 2 Bonds 0 UNSECURED REDEEMABLE BONDS 0 Borrowings outside India 18.1 Other Institutions & Agencies 0 Others 5.35
Profit Before Tax	Profit Before Tax Retail Banking 76.4 Treasury 22.79 Life Insurance 0.8 Wholesale Banking 0 Others 0.01	-	-
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 Equity 0 Others 0.15	AUM Break-Up - Asset Management Liquid/ Money Market 32.9 Equity 0 FMP 0 ETF 0 Gilt 0 Debt 9.59 Balanced schemes 2.65 Others 54.86	AUM Break-Up - Asset Management Liquid/ Money Market 21.03 Equity 72.94 FMP 0 ETF 0 Gilt 0 Debt 4.81 Balanced schemes 0 Others 1.22
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 Non Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 28.42 Non Priority Sector 0 Priority Sector 0 Non Priority Sector 71.58	Priority vs Non-Priority Sector Priority sector 0 Non Priority Sector 62.11 Priority Sector 37.89 Non Priority sector 0
Asset Break-Up	Asset Break-Up India 92.36 Others 7.64	Asset Break-Up India 95.07 Others 4.93	Asset Break-Up India 0 Others 100
NPA Break-Up	NPA Break-Up Corporate 47.53 MSME Sector 27.55 Agricultural 19.41 Retail 5.51 International 0 Others 0 Agriculture 0 Corporate 0 Medium & Large 0 Micro & Small (MSE) 0 Retail Loans 0	NPA Break-Up Agricultural 20.83 International 29.24 Medium & Large 0 Retail Loans 0 MSME Sector 0 Corporate 6.86 Others 0.26 Retail 9.39 Micro & Small (MSE) 0 Agricultural 0 Others 33.42	NPA Break-Up Agricultural 34.96 International 0 Medium & Large 30.07 Consumer Finance 9.08 MSME Sector 0 Corporate 0 Others 0 Retail 0 Micro, Small and Medium Enterprises 25.89 Agricultural 0

Canara Bank

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