Bank Of Baroda

Financial

	Bank Of Baroda	PNB	Union Bank Of India
Operational Metrics
Asset Management Sector
% of AUM in equity fund	58.6 %	n/a	68.31 %
5 Yr AUM CAGR - Mutual Funds	35.13 %	n/a	40.76 %
AUM - Mutual Funds	47713.29 Crs	n/a	21309.89 Crs
Banking Sector
CASA Ratio	39.97 %	37.95 %	33.52 %
CASA vs Liabilities	32.13 %	32.7 %	29.11 %
Credit Deposit Ratio	82.67 %	71.28 %	72.91 %
Fresh Slippages - Quarterly	2873.0 Crs	2904.0 Crs	2483.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.19 %	17.01 %	18.02 %
Tier I Capital	14.79 %	14.05 %	16.24 %
Tier 2 Capital	2.4 %	2.96 %	1.77 %
Cost To Income Ratio	49.89 %	56.21 %	48.91 %
Net Interest Margin	2.86 %	2.81 %	2.87 %
Yield On Advances	8.21 %	8.36 %	8.72 %
Gross NPA	2.26 %	3.95 %	3.6 %
Net NPA	0.58 %	0.4 %	0.63 %
NBFC
Cost of Borrowing	5.12 %	4.76 %	4.94 %
Financials
5 yr Average ROE	11.48 %	6.87 %	6.47 %
5yr average Equity Multiplier	14.05	14.1	16.13
5yr Average Asset Turnover Ratio	0.08	0.07	0.08
5yr Avg Net Profit Margin	10.18 %	6.21 %	4.62 %
5yr Avg Net Profit Margin	10.18 %	6.21 %	4.62 %
5yr CAGR Net Profit	68.01 %	48.47 %	n/a
5yr CAGR Sales	11.29 %	8.32 %	22.26 %
5 yr CAGR PPOP	10.27 %	3.55 %	25.1 %
Price to Book	0.85	0.96	1.03
P/E	6.01	6.89	6.48
Shareholdings
Promoter Holding	63.97 %	70.08 %	74.76 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-3.07 %	-8.74 %
Change in Mutual Fund Holding (3 Yrs)	-0.75 %	1.84 %	2.52 %

Business

	Bank Of Baroda	PNB	Union Bank Of India
Loan Break-Up	Loan Break-Up Consumer Finance 26.9 Others 25.3 Agricultural 15.5 Power 6.0 Roads & Bridge 3.5 Metals 2.2 Iron & Steel 1.7 Textiles 1.6 Food Processing 1.4 Chemicals 1.3 Infrastructure 1.2 Petrochemicals 0.8 Engineering 0.8 Telecom 0.7 Trade 0 MSME 0 LC & Other 0 Retail 0 Services 0 Industry 0 Others 11.1	-	Loan Break-Up Consumer Finance 0 Chemicals 0 Engineering 0 Agricultural 0 Food Processing 0 Trade 0 Roads & Bridge 0 Others 0 Iron & Steel 0 Textiles 0 Metals 0 Power 0 Infrastructure 0 Industry 0 Retail 22.05 Services 0 LC & Other 45.91 Telecom 0 Petrochemicals 0 MSME 13.88 Others 18.16
Segment Break-Up	Segment Break-Up Consumer Finance 36.05 Corporate Banking 32.02 Treasury Operations 22.86 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Others 9.07	Segment Break-Up Consumer Finance 0 Treasury Operations 0 Retail banking Operations 0 Corporate Banking 0 Cooperate/Wholesale Banking 0 Treasure operations 0 Others 100	Segment Break-Up Consumer Finance 0 Treasury Operations 0 Consumer Finance 34.26 Corporate Banking 0 Corporate Banking 34.32 Treasury Operations 26.38 Others 5.04
Location Wise Break-Up	Location Wise Break-Up India 89.09 Rest of the World 10.91	Location Wise Break-Up India 96.39 Rest of the World 3.61	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Corporate & Wholesale Banking 39.6 Treasury 34.06 Retail Banking 26.34	-	Operating Profit Break-Up Wholesale Banking 23.08 Retail Banking 34.31 Treasury 31.12 Others 11.49
Customer Segment	Customer Segment Corporate 40.4 Retail 30.1 Agricultural 15.5 MSME Sector 14.0	-	-
Asset Break-Up	Asset Break-Up India 82.73 Others 17.27	-	Asset Break-Up India 0 Others 100
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 Non Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 29.63 Non Priority Sector 70.37	Priority vs Non-Priority Sector Non Priority Sector 62.46 Priority Sector 37.54 Non-Priority Sector 0
NPA Break-Up	NPA Break-Up MSME Sector 40.39 Agricultural 27.3 Retail 16.67 International 14.53 Corporate 0.82 Others 0.29 Agri 0 Education 0 Car/Vehicle Loans 0 Housing 0 Retail Loans 0 Corporates 0 Medium & Large 0 Micro & Small (MSE) 0	NPA Break-Up MSME Sector 0 Agricultural Loan 44.95 Consumer Finance 7.51 Medium & Large 0 Corporate 0 Housing 0 Others 0 International 0 Agricultural 0 Corporate Banking 4.54 Micro & Small (MSE) 0 Retail 0 Car/Vehicle Loans 0 Education 0 Others 43.0	NPA Break-Up MSME Sector 0 Agri 0 Consumer Finance 8.57 Medium & Large 37.36 Corporate 0 Housing 0 Others 0 International 0 Agricultural 0 Corporates 0 Micro, Small and Medium Enterprises 14.01 Retail 0 Car/Vehicle Loans 0 Education 0 Others 40.06
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 58.01 Liquid/ Money Market 28.19 Debt 7.17 Gilt 3.85 Balanced schemes 2.49 ETF 0.2 FMP 0 Equity 0 Others 0.09	-	AUM Break-Up - Asset Management ETF 0 Gilt 0 Liquid/ Money Market 25.81 Debt 4.2 FMP 0 Balanced schemes 0 Equity 68.6 Others 1.39

Bank Of Baroda

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