Bank Of Baroda benchmarking: Perfomance to industry peers

Financial

	Bank Of Baroda	PNB	Canara Bank
Operational Metrics
Asset Management
AUM - Mutual Funds	49857.28 Crs	n/a	n/a
5 Yr AUM CAGR - Mutual Funds	35.13 %	n/a	n/a
% of AUM in equity fund	59.62 %	n/a	n/a
Banks
Capital to Risks Assets Ratio (CRAR)	16.54 %	17.19 %	16.2 %
Tier I Capital	14.15 %	12.75 %	14.28 %
Tier 2 Capital	2.39 %	1.66 %	1.92 %
Credit Deposit Ratio	84.39 %	70.11 %	75.33 %
Fresh Slippages - Quarterly	2669.0 Crs	1955.0 Crs	2031.0 Crs
Cost To Income Ratio	51.02 %	51.2 %	46.97 %
Net Interest Margin	2.96 %	2.6 %	2.52 %
Yield On Advances	7.81 %	7.9 %	8.4 %
Gross NPA	2.16 %	3.45 %	2.35 %
Net NPA	0.57 %	0.36 %	0.54 %
CASA Ratio	38.42 %	37.29 %	30.69 %
CASA vs Liabilities	30.62 %	32.13 %	25.88 %
NBFC
Cost of Borrowing	4.91 %	4.58 %	5.21 %
Financials
5 yr Average ROE	11.48 %	6.87 %	14.15 %
5yr average Equity Multiplier	14.05	14.1	17.53
5yr Average Asset Turnover Ratio	0.08	0.07	0.08
5yr Avg Net Profit Margin	10.18 %	6.21 %	8.44 %
5yr Avg Net Profit Margin	10.18 %	6.21 %	8.44 %
5yr CAGR Net Profit	68.01 %	48.47 %	43.42 %
5yr CAGR Sales	11.29 %	8.32 %	10.34 %
5 yr CAGR PPOP	10.27 %	3.55 %	9.85 %
Price to Book	0.94	0.99	1.11
P/E	7.73	8.23	7.37
Shareholdings
Promoter Holding	63.97 %	70.08 %	62.93 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-3.07 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-1.51 %	1.96 %	1.96 %

Business

	Bank Of Baroda	PNB	Canara Bank
Segment Break-Up	Segment Break-Up Consumer Finance 38.76 Corporate Banking 31.39 Treasury Operations 26.48 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Others 3.37	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Retail Banking Operations 0 Wholesale Banking Operations 0 Treasury Operations 0 Life Insurance Operation 0 Others 100	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Consumer Finance 41.97 Corporate Banking 29.99 Treasury Operations 19.19 Life Insurance Business 8.85
Loan Break-Up	Loan Break-Up Consumer Finance 28.4 Others 22.8 Agricultural 16.3 Power 6.0 Roads & Bridge 3.4 Infrastructure 3.0 Metals 2.1 Iron & Steel 1.6 Textiles 1.6 Food Processing 1.4 Chemicals 1.3 Engineering 0.8 Telecom 0.7 Petrochemicals 0.5 Trade 0 Others 10.1	-	-
Location Wise Break-Up	Location Wise Break-Up India 88.42 Rest of the World 11.58	Location Wise Break-Up Rest of the World 3.77 India 96.23	Location Wise Break-Up Rest of the World 4.33 India 95.67
Customer Segment	Customer Segment Corporate 37.3 Retail 32.1 Agricultural 16.3 MSME Sector 14.3	-	-
Operating Profit Break-Up	Operating Profit Break-Up Treasury 44.11 Retail Banking 29.49 Corporate & Wholesale Banking 26.4	-	-
NPA Break-Up	NPA Break-Up MSME Sector 38.51 Agricultural 28.57 Retail 18.95 International 13.38 Others 0.39 Corporate 0.2 Agri 0 Education 0 Car/Vehicle Loans 0 Housing 0 Retail Loans 0 Corporates 0 Corporate & Others 0 Agriculture & Allied 0	NPA Break-Up Corporate & Others 0 Car/Vehicle Loans 0 Agricultural 0 Housing 0 Consumer Finance 6.77 Others 0 Retail 0 Corporate Banking 0.78 International 0 Agriculture & Allied 0 Agricultural Loan 46.96 Education 0 MSME Sector 0 Corporate 0 Others 45.49	NPA Break-Up Corporate 40.18 Car/Vehicle Loans 0 Agricultural 0 Housing 0 Retail Loans 0 Others 0 Retail 6.14 Corporates 0 International 0 Agricultural 27.14 Agri 0 Education 0 MSME Sector 0 Corporate 0 Others 26.54
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 72.75 Priority Sector 27.25 Non-Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 70.37 Priority Sector 29.63 Non Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 60.61 Priority Sector 39.39 Non Priority Sector 0
Asset Break-Up	Asset Break-Up India 81.79 Others 18.21	-	Asset Break-Up India 91.33 Others 8.67
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 57.9 Liquid/ Money Market 28.54 Debt 7.33 Gilt 3.44 Balanced schemes 2.47 ETF 0.25 FMP 0 Others 0.07	-	-

Bank Of Baroda

Bank Of Baroda

Financial

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