Central Bank Of India

Financial

	CentralBank of India	UCO Bank	Indian Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.58 %	3.03 %	3.44 %
Yield On Advances	8.91 %	8.72 %	8.81 %
Gross NPA	4.5 %	3.46 %	3.95 %
Net NPA	1.2 %	0.89 %	0.43 %
CASA Ratio	50.02 %	39.25 %	40.77 %
CASA vs Liabilities	43.07 %	31.91 %	35.39 %
Credit Deposit Ratio	65.59 %	71.02 %	77.58 %
Cost To Income Ratio	57.91 %	60.72 %	47.99 %
Fresh Slippages - Quarterly	1175.0 Crs	476.0 Crs	1238.0 Crs
Capital to Risks Assets Ratio (CRAR)	15.08 %	16.98 %	16.44 %
Tier 2 Capital	2.62 %	2.44 %	2.41 %
Tier I Capital	12.46 %	14.54 %	14.03 %
NBFC
Cost of Borrowing	4.85 %	4.83 %	5.13 %
Financials
5 yr Average ROE	-7.16 %	4.81 %	7.74 %
5yr average Equity Multiplier	15.13	11.46	14.62
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	-4.2 %	4.94 %	6.35 %
5yr Avg Net Profit Margin	-4.2 %	4.94 %	6.35 %
5yr CAGR Net Profit	n/a	65.82 %	71.09 %
5yr CAGR Sales	3.4 %	2.44 %	20.16 %
5 yr CAGR PPOP	17.07 %	0.91 %	25.76 %
Price to Book	1.59	2.27	1.15
P/E	19.28	17.97	8.21
Shareholdings
Promoter Holding	93.08 %	95.39 %	73.84 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	3.3 %	0.95 %	-14.22 %
Change in Mutual Fund Holding (3 Yrs)	0.05 %	0.04 %	9.14 %

Business

	CentralBank of India	UCO Bank	Indian Bank
Loan Break-Up	Loan Break-Up Corporate Banking 33.61 Consumer Finance 28.28 Small & Medium Enterprises (SME) loans 19.81 Agricultural Loan 18.3 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Corporate Sector 0 MSME sector 0 Agriculture sector 0 Retail sector 0	Loan Break-Up Industrial & Commercial 11.91 Agricultural 13.47 Services 48.37 Corporate Banking 0 MSME sector 0 Agriculture sector 0 Small & Medium Enterprises (SME) loans 0 Personal Loan 25.31 Retail sector 0 Corporate Sector 0 Consumer Finance 0 Priority Sector 0.94 Agricultural Loan 0	Loan Break-Up Industry 0 Agriculture and allied activities 0 Services 0 Corporate Banking 0 MSME Sector 16.89 Agricultural 24.3 Small & Medium Enterprises (SME) loans 0 Personal Loans 0 Retail 21.02 Corporate 37.79 Consumer Finance 0 0 Agricultural Loan 0
Loan Break-Up	Loan Break-Up Corporate Banking 33.61 Consumer Finance 28.28 Small & Medium Enterprises (SME) loans 19.81 Agricultural Loan 18.3 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Corporate Sector 0 MSME sector 0 Agriculture sector 0 Retail sector 0	Loan Break-Up Industrial & Commercial 11.91 Agricultural 13.47 Services 48.37 Corporate Banking 0 MSME sector 0 Agriculture sector 0 Small & Medium Enterprises (SME) loans 0 Personal Loan 25.31 Retail sector 0 Corporate Sector 0 Consumer Finance 0 Priority Sector 0.94 Agricultural Loan 0	Loan Break-Up Industry 0 Agriculture and allied activities 0 Services 0 Corporate Banking 0 MSME Sector 16.89 Agricultural 24.3 Small & Medium Enterprises (SME) loans 0 Personal Loans 0 Retail 21.02 Corporate 37.79 Consumer Finance 0 0 Agricultural Loan 0
Segment Break-Up	Segment Break-Up Consumer Finance 39.84 Treasury Operations 33.16 Corporate Banking 24.88 Corporate/ Wholesale Banking 0 Others 2.12	Segment Break-Up Treasury Operations 0 Corporate/ Wholesale Banking 0 Consumer Finance 0 Corporate Banking 0 Others 100	Segment Break-Up Treasury Operations 0 Corporate Banking 34.55 Consumer Finance 0 Corporate Banking 0 Others 65.45
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 93.03 Rest of the World 6.97	Location Wise Break-Up India 96.45 Rest of the World 3.55
Borrowings Break-Up	Borrowings Break-Up Unsecured Redeemable NC Basel III 30.0 Reserve Bank of India 21.17 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 Unsecured Redeemable Bonds 0 Borrowings outside India 0 RBI 0 Others 48.83	Borrowings Break-Up Unsecured Redeemable Bonds 0 Reserve Bank of India 0 Upper Tier II Bonds 0 Innovative Perpetual Debt Instrument 0 Borrowings outside India 1.4 Unsecured Redeemable NC Basel III 0 RBI 0 Others 98.6	Borrowings Break-Up Unsecured Redeemable Bonds 0 Reserve Bank of India 0 Upper Tier II Bonds 0 Innovative Perpetual Debt Instrument 0 Borrowings outside India 8.75 Unsecured Redeemable NC Basel III 0 RBI 0 Others 91.25
Profit Before Tax	Profit Before Tax Treasury Operations 45.11 Wholesale Banking Operations 26.91 Retail Banking Operations 21.28 Treasury 0 Corporate Banking 0 Retail Banking 0 Others 6.7	-	Profit Before Tax Retail Banking Operations 0 Treasury 28.69 Retail Banking 35.34 Corporate Banking 31.17 Treasury Operations 0 Wholesale Banking Operations 0 Others 4.8
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 52.47 Priority Sector 47.53 Non Priority Sector Advance 0 Priority Sector Advance 0	Priority vs Non-Priority Sector Non Priority Sector 60.42 Priority Sector 0 Non Priority Sector 0 Priority Sector 39.58	-
Digital Transactions Break-Up	Digital Transactions Break-Up UPI 81.35 RTGS/NEFT 5.67 Debit card 5.38 IMPS 4.54 AEPS 1.22 Internet Banking 1.22 Mobile Banking 0.52 ATM 0 Others 0.1	-	-
NPA Break-Up	NPA Break-Up Corporate 36.53 Agricultural 29.29 MSME Sector 26.53 Retail 7.65 Others 0 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0	NPA Break-Up Corporate 0 Industrial & Commercial 7.03 Agricultural 43.01 MSME Sector 0 Retail 0 Personal Loans 0 Others 12.39 Agricultural 0 Priority Sector 1.2 Services 28.54 Others 7.83	NPA Break-Up Corporate 9.0 Industry 0 Agricultural 40.0 MSME Sector 0 Personal Loan 10.0 Personal Loans 0 Others 0 Agricultural 0 0 Services 0 Others 41.0
Asset Break-Up	Asset Break-Up India 0 Others 100	Asset Break-Up India 96.56 Others 3.44	Asset Break-Up India 95.12 Others 4.88

Central Bank Of India

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