Central Bank Of India

Financial

	CentralBank of India	Bank of Maharashtra	UCO Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.48 %	3.98 %	3.17 %
Yield On Advances	9.01 %	9.27 %	8.7 %
Gross NPA	3.86 %	1.8 %	2.91 %
Net NPA	0.59 %	0.2 %	0.63 %
CASA Ratio	49.18 %	49.28 %	37.97 %
CASA vs Liabilities	41.83 %	41.7 %	30.69 %
Credit Deposit Ratio	68.25 %	80.63 %	72.74 %
Cost To Income Ratio	58.83 %	38.27 %	55.5 %
Fresh Slippages - Quarterly	800.0 Crs	621.0 Crs	418.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.43 %	18.71 %	16.25 %
Tier 2 Capital	2.22 %	4.01 %	2.08 %
Tier I Capital	14.21 %	14.7 %	14.17 %
NBFC
Cost of Borrowing	4.9 %	4.27 %	4.75 %
Financials
5 yr Average ROE	1.97 %	12.95 %	5.37 %
5yr average Equity Multiplier	14.47	16.06	11.57
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	1.77 %	9.2 %	5.37 %
5yr Avg Net Profit Margin	1.77 %	9.2 %	5.37 %
5yr CAGR Net Profit	n/a	59.15 %	62.91 %
5yr CAGR Sales	5.43 %	12.31 %	7.05 %
5 yr CAGR PPOP	11.2 %	22.96 %	1.98 %
Price to Book	0.99	1.41	1.38
P/E	9.3	7.43	9.56
Shareholdings
Promoter Holding	89.27 %	79.6 %	90.95 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.81 %	-11.37 %	-4.44 %
Change in Mutual Fund Holding (3 Yrs)	0.15 %	0.81 %	0.04 %

Business

	CentralBank of India	Bank of Maharashtra	UCO Bank
Loan Break-Up	Loan Break-Up Corporate Banking 30.09 Consumer Finance 29.52 Small & Medium Enterprises (SME) loans 21.46 Agricultural Loan 18.94 Corporate & Others 0 0 Agriculture Sector 0 Retail Sector 0 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0	Loan Break-Up Agricultural 14.76 Industry 0 0 Retail 26.75 Small & Medium Enterprises (SME) loans 0 Agricultural Loan 0 MSME Sector 20.82 Agriculture and allied activities 0 Consumer Finance 0 Services 0 Corporate Banking 0 Personal Loans 0 Corporate 37.67	Loan Break-Up Agriculture Sector 0 Industrial & Commercial 11.57 Priority Sector 0.93 Retail Sector 0 Small & Medium Enterprises (SME) loans 0 Agricultural Loan 0 0 Agricultural 13.19 Consumer Finance 0 Services 16.65 Corporate Banking 0 Personal Loan 57.66 Corporate & Others 0
Loan Break-Up	Loan Break-Up Corporate Banking 30.09 Consumer Finance 29.52 Small & Medium Enterprises (SME) loans 21.46 Agricultural Loan 18.94 Corporate & Others 0 0 Agriculture Sector 0 Retail Sector 0 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0	Loan Break-Up Agricultural 14.76 Industry 0 0 Retail 26.75 Small & Medium Enterprises (SME) loans 0 Agricultural Loan 0 MSME Sector 20.82 Agriculture and allied activities 0 Consumer Finance 0 Services 0 Corporate Banking 0 Personal Loans 0 Corporate 37.67	Loan Break-Up Agriculture Sector 0 Industrial & Commercial 11.57 Priority Sector 0.93 Retail Sector 0 Small & Medium Enterprises (SME) loans 0 Agricultural Loan 0 0 Agricultural 13.19 Consumer Finance 0 Services 16.65 Corporate Banking 0 Personal Loan 57.66 Corporate & Others 0
Segment Break-Up	Segment Break-Up Consumer Finance 44.13 Treasury Operations 30.89 Corporate Banking 24.67 Corporate/ Wholesale Banking 0 Others 0.31	Segment Break-Up Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Corporate Banking 32.56 Others 67.44	Segment Break-Up Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Corporate/ Wholesale Banking 0 Others 100
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 93.89 Rest of the World 6.11
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 55.01 Unsecured Redeemable NC Basel III 14.99 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 Unsecured Redeemable Bonds 0 Borrowings Outside India 0 Infra Bonds 0 Subordinated Debt Bonds 0 0 0 Reserve Bank Of India 0 Borrowings outside India 0 Others 30.0	Borrowings Break-Up Reserve Bank of India 0 Unsecured Redeemable Bonds 0 Reserve Bank Of India 0 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 Unsecured Redeemable NC Basel III 0 Borrowings outside India 0 Infra Bonds 0 Subordinated Debt Bonds 0 Hybrid Debt Capital Instruments issued as Bonds 48.29 Innovative Perpetual Debt Instruments (IPDI) 24.36 Borrowings Outside India 0 Others 27.35	Borrowings Break-Up Reserve Bank of India 16.39 Unsecured Redeemable Bonds 0 Reserve Bank Of India 0 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 Unsecured Redeemable NC Basel III 0 Borrowings outside India 1.57 Infra Bonds 0 Subordinated Debt Bonds 0 0 0 Borrowings Outside India 0 Others 82.04
Profit Before Tax	Profit Before Tax Retail Banking Operations 50.48 Wholesale Banking Operations 28.26 Treasury Operations 21.26	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 53.07 Priority Sector 46.93 Non Priority Sector Advance 0 Priority Sector Advance 0	-	Priority vs Non-Priority Sector Priority Sector 0 Non Priority Sector 60.53 Priority Sector 39.47 Non Priority Sector 0
Digital Transactions Break-Up	Digital Transactions Break-Up UPI 83.3 RTGS/NEFT 5.57 Debit card 4.65 IMPS 4.05 AEPS 0.92 Internet Banking 0.53 Mobile Banking 0.45 ATM 0 Others 0.53	-	-
NPA Break-Up	NPA Break-Up Corporate 32.28 Agricultural 31.39 MSME Sector 28.14 Retail 8.2 Large Corporate & Other 0 Medium 0 Micro & Small 0 Others 0 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0	NPA Break-Up MSME Sector 0 Corporate 0 Industry 0 0 Others 0 Agriculture and allied activities 0 Personal Loans 0 Medium 0 Services 0 Large Industries 3.08 Agricultural 0 Retail 5.04 Micro, Small and Medium Enterprises 27.64 Others 64.24	NPA Break-Up MSME Sector 0 Corporate 0 Industrial & Commercial 0.57 Priority Sector 2.03 Others 0 Agricultural 50.55 Personal Loan 11.67 Medium 0 Services 35.18 Large Corporate & Other 0 Agricultural 0 Retail 0 Micro & Small 0
Asset Break-Up	Asset Break-Up RETAIL BANKING 0 CORPORATE/ WHOLESALE BANKING 0 TREASURY 0 Others 100	Asset Break-Up TREASURY 25.61 RETAIL BANKING 32.41 CORPORATE/ WHOLESALE BANKING 36.95 Others 5.03	Asset Break-Up TREASURY 0 RETAIL BANKING 0 CORPORATE/ WHOLESALE BANKING 0 Others 100

Central Bank Of India

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