Canara Bank benchmarking: Perfomance to industry peers

Financial

	Canara Bank	Union Bank Of India	IDBI
Operational Metrics
Asset Management Sector
AUM - Mutual Funds	118697.08 Crs	23947.91 Crs	3767.27 Crs
5 Yr AUM CAGR - Mutual Funds	43.17 %	40.76 %	-19.47 %
% of AUM in equity fund	78.56 %	63.63 %	67.98 %
Banking Sector
Credit Deposit Ratio	74.7 %	76.4 %	71.38 %
Capital to Risks Assets Ratio (CRAR)	16.52 %	18.3 %	25.39 %
Tier I Capital	14.58 %	16.58 %	23.71 %
Tier 2 Capital	1.94 %	1.72 %	1.68 %
Fresh Slippages - Quarterly	2129.0 Crs	2199.0 Crs	504.0 Crs
Cost To Income Ratio	46.77 %	49.19 %	48.86 %
Gross NPA	2.69 %	3.52 %	2.93 %
Net NPA	0.63 %	0.62 %	0.21 %
CASA Ratio	29.56 %	32.52 %	44.65 %
CASA vs Liabilities	24.41 %	26.98 %	32.88 %
Net Interest Margin	2.55 %	2.76 %	3.68 %
Yield On Advances	8.47 %	8.5 %	9.11 %
Life Insurance Sector
New Business Performance - Life Insurance	264.07 Crs	n/a	n/a
NBFC
Cost of Borrowing	5.27 %	4.89 %	4.98 %
Financials
5 yr Average ROE	14.15 %	12.29 %	10.61 %
5yr average Equity Multiplier	17.53	15.51	7.21
5yr Average Asset Turnover Ratio	0.08	0.08	0.08
5yr Avg Net Profit Margin	8.44 %	8.83 %	14.64 %
5yr Avg Net Profit Margin	8.44 %	8.83 %	14.64 %
5yr CAGR Net Profit	43.42 %	44.48 %	38.19 %
5yr CAGR Sales	10.34 %	9.22 %	6.6 %
5 yr CAGR PPOP	9.85 %	9.57 %	9.31 %
Price to Book	0.97	0.86	1.57
P/E	6.33	5.56	12.62
Shareholdings
Promoter Holding	62.93 %	74.76 %	94.71 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-8.74 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.77 %	2.72 %	0.04 %

Business

	Canara Bank	Union Bank Of India	IDBI
Segment Break-Up	Segment Break-Up Consumer Finance 41.97 Corporate Banking 29.99 Treasury Operations 19.19 Life Insurance Business 8.85 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Treasury 0 Retail banking 0 Corporate/Wholesale banking 0	Segment Break-Up Consumer Finance 0 Retail banking 0 Treasury Operations 26.63 Corporate Banking 34.12 Corporate Banking 0 Treasury 0 Consumer Finance 36.46 Treasury Operations 0 Life Insurance Business 0 Corporate/Wholesale banking 0 Others 2.79	Segment Break-Up Consumer Finance 0 Consumer Finance 57.46 Treasure operations 0 Cooperate/Wholesale Banking 0 Corporate Banking 0 Treasury Operations 27.06 Retail banking Operations 0 Treasury Operations 0 Life Insurance Business 0 Corporate Banking 14.92 Others 0.56
Location Wise Break-Up	Location Wise Break-Up India 95.67 Rest of the World 4.33	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Borrowings Break-Up	Borrowings Break-Up UNSECURED REDEEMABLE BONDS 74.79 Other Institutions & Agencies 24.21 Other banks - India 1.0 RESERVE BANK OF INDIA 0 Borrowings Outside India 0 Reserve Bank of India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 Borrowings outside India 0 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0	Borrowings Break-Up 0 Upper Tier II Bonds 0 Other banks - India 0 Basel III Omni Tier 2 Bond 0 Tier 2 Bonds 28.92 UNSECURED REDEEMABLE BONDS 0 Borrowings outside India 13.35 Upper Tier 2 Bonds 0 Other Institutions & Agencies 0 Reserve Bank of India 0 Perpetual Bonds 35.24 0 Borrowings outside India 0 RESERVE BANK OF INDIA 0 Others 22.49	Borrowings Break-Up 0 Upper Tier II Bonds 0 Other banks - India 0 Basel III Omni Tier 2 Bond 9.53 Tier 2 Bonds 0 UNSECURED REDEEMABLE BONDS 0 Borrowings Outside India 0 Upper Tier 2 Bonds 0 Other Institutions & Agencies 0 Reserve Bank of India 0 Perpetual Bonds 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.52 Borrowings outside India 38.99 RESERVE BANK OF INDIA 0 Others 49.96
Profit Before Tax	Profit Before Tax Retail Banking 67.94 Treasury 31.72 Life Insurance 0.34 Wholesale Banking 0	-	Profit Before Tax Retail Banking 0 Life Insurance 0 Treasury 38.87 Wholesale Banking 0 Others 61.13
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 79.59 Balanced schemes 11.56 Liquid/ Money Market 5.34 Debt 3.38 ETF 0 FMP 0 Gilt 0 Equity 0 Others 0.13	AUM Break-Up - Asset Management FMP 0 Debt 5.42 ETF 0 Balanced schemes 0 Gilt 0 Equity 71.11 Liquid/ Money Market 22.06 Others 1.41	AUM Break-Up - Asset Management FMP 0 Debt 5.2 ETF 2.84 Balanced schemes 4.95 Gilt 0 Equity 0 Liquid/ Money Market 17.85 Others 69.16
NPA Break-Up	NPA Break-Up Corporate 40.18 Agricultural 27.14 MSME Sector 26.55 Retail 6.14 Medium & Large 0 Micro & Small (MSE) 0 Agriculture 0 Retail Loans 0	NPA Break-Up Agricultural 0 MSME Sector 0 Consumer Finance 7.92 Medium & Large 31.46 Retail 0 Agricultural 42.12 Micro, Small and Medium Enterprises 18.5 Corporate 0	-
Asset Break-Up	Asset Break-Up India 91.33 Others 8.67	Asset Break-Up India 0 Others 100	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 60.61 Priority Sector 39.39 Non Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 34.23 Non Priority Sector 65.77	Priority vs Non-Priority Sector Priority Sector 29.63 Non Priority Sector 70.37

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