Union Bank Of India

Financial

	Union Bank Of India	Canara Bank	IDBI
Operational Metrics
Asset Management Sector
AUM - Mutual Funds	19753.03 Crs	101895.44 Crs	3767.27 Crs
% of AUM in equity fund	68.42 %	79.86 %	67.98 %
5 Yr AUM CAGR - Mutual Funds	40.76 %	43.17 %	-19.47 %
Banking Sector
Capital to Risks Assets Ratio (CRAR)	16.72 %	16.44 %	25.05 %
Tier I Capital	14.89 %	14.55 %	23.51 %
Tier 2 Capital	1.83 %	1.89 %	1.54 %
Fresh Slippages - Quarterly	1820.0 Crs	2363.0 Crs	334.0 Crs
Cost To Income Ratio	45.14 %	47.58 %	43.33 %
Credit Deposit Ratio	75.74 %	76.65 %	70.38 %
Net Interest Margin	2.91 %	2.71 %	4.56 %
Yield On Advances	8.78 %	8.79 %	9.94 %
Gross NPA	3.85 %	3.34 %	2.98 %
Net NPA	0.82 %	0.89 %	0.15 %
CASA Ratio	33.43 %	30.0 %	46.56 %
CASA vs Liabilities	28.75 %	25.65 %	35.1 %
NBFC
Cost of Borrowing	5.01 %	5.28 %	4.87 %
Financials
5 yr Average ROE	6.47 %	9.12 %	-1.18 %
5yr average Equity Multiplier	16.13	17.85	7.59
5yr Average Asset Turnover Ratio	0.08	0.08	0.08
5yr Avg Net Profit Margin	4.62 %	5.49 %	0.09 %
5yr Avg Net Profit Margin	4.62 %	5.49 %	0.09 %
5yr CAGR Net Profit	n/a	n/a	n/a
5yr CAGR Sales	22.26 %	17.72 %	3.57 %
5 yr CAGR PPOP	25.1 %	25.16 %	13.46 %
Price to Book	0.87	0.86	1.44
P/E	6.0	5.44	11.82
Shareholdings
Promoter Holding	74.76 %	62.93 %	94.71 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-8.74 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	2.52 %	1.45 %	0.03 %

Business

	Union Bank Of India	Canara Bank	IDBI
Segment Break-Up	Segment Break-Up Consumer Finance 36.15 Corporate Banking 35.84 Treasury Operations 24.55 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Treasury 0 Retail banking 0 Corporate/Wholesale banking 0 Others 3.46	Segment Break-Up Consumer Finance 0 Retail banking 0 Consumer Finance 42.87 Treasury 0 Life Insurance Business 3.71 Corporate Banking 0 Treasury Operations 19.31 Corporate/Wholesale banking 0 Corporate Banking 34.11	Segment Break-Up Consumer Finance 0 Consumer Finance 56.53 Retail Banking Operations 0 Treasury Operations 22.77 Life Insurance Operation 0 Corporate Banking 0 Treasury Operations 0 Corporate Banking 14.37 Wholesale Banking Operations 0 Others 6.33
Loan Break-Up	Loan Break-Up LC & Other 45.47 Retail 21.26 Agricultural 19.52 MSME 13.74 Services 0 Industry 0 Personal Loans 0 Others 0.01	-	Loan Break-Up MSME 0 Personal Loan 41.39 Agricultural 0 Industrial & Commercial 20.94 Services 21.97 Retail 0 LC & Other 0 Others 15.7
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 4.84 India 95.16	Location Wise Break-Up Rest of the World 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 43.2 Wholesale Banking 28.75 Treasury 19.36 Others 8.69	-	-
Borrowings Break-Up	Borrowings Break-Up Perpetual Bonds 35.92 Tier 2 Bonds 29.47 Borrowings outside India 16.6 Reserve Bank of India 0 Upper Tier 2 Bonds 0 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Borrowings outside India 0 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 Others 18.01	Borrowings Break-Up Tier 2 Bonds 0 Other Institutions & Agencies 24.21 Perpetual Bonds 0 0 UNSECURED REDEEMABLE BONDS 74.79 Basel III Omni Tier 2 Bond 0 Upper Tier II Bonds 0 Reserve Bank of India 0 Upper Tier 2 Bonds 0 RESERVE BANK OF INDIA 0 Borrowings outside India 0 0 Other banks - India 1.0	Borrowings Break-Up Tier 2 Bonds 0 OTHER INSTITUTIONS AND AGENCIES 0 Perpetual Bonds 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.77 UNSECURED REDEEMABLE BONDS 0 Basel III Omni Tier 2 Bond 15.48 Upper Tier II Bonds 0 Reserve Bank of India 14.05 Upper Tier 2 Bonds 0 RESERVE BANK OF INDIA 0 Borrowings outside India 8.43 0 OTHER BANKS 0 Others 60.27
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 62.46 Priority Sector 37.54 Non-Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Non Priority Sector 55.71 Priority Sector 44.29	Priority vs Non-Priority Sector Non Priority Sector 66.2 Non-Priority Sector 0 Priority Sector 33.8
Asset Break-Up	Asset Break-Up India 0 Others 100	Asset Break-Up India 100.0	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 73.23 Liquid/ Money Market 23.93 Debt 2.07 Balanced schemes 0 ETF 0 EQUITY 0 FMP 0 Gilt 0 Others 0.77	AUM Break-Up - Asset Management Debt 3.13 FMP 0 Equity 0 Equity 81.92 ETF 0 Balanced schemes 11.34 Liquid/ Money Market 3.49 Gilt 0 Others 0.12	AUM Break-Up - Asset Management Debt 5.2 FMP 0 Equity 0 Equity 67.98 ETF 2.84 Balanced schemes 4.95 Liquid/ Money Market 17.85 Gilt 0 Others 1.18
NPA Break-Up	NPA Break-Up Agricultural 40.06 Medium & Large 37.36 Micro, Small and Medium Enterprises 14.01 Consumer Finance 8.57 Corporate & Others 0 MSME 0 Agriculture & Allied 0 Retail 0	NPA Break-Up Consumer Finance 0 Micro, Small and Medium Enterprises 0 Medium & Large 0 MSME Sector 28.51 Agricultural 25.58 Agricultural 0 Retail 5.84 Corporate 40.06 Others 0.01	-

Union Bank Of India

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