Canara Bank benchmarking: Performance to industry peers

Financial

	Canara Bank	PNB	Indian Bank
Operational Metrics
Banks
Net Interest Margin	2.5 %	2.52 %	3.28 %
Yield On Advances	8.34 %	7.69 %	8.31 %
Gross NPA	2.08 %	3.19 %	2.23 %
Net NPA	0.45 %	0.32 %	0.15 %
CASA Ratio	29.52 %	37.1 %	39.08 %
CASA vs Liabilities	24.58 %	31.91 %	32.66 %
Credit Deposit Ratio	78.38 %	72.05 %	80.77 %
Capital to Risks Assets Ratio (CRAR)	16.5 %	16.77 %	16.58 %
Tier I Capital	14.6 %	14.13 %	14.54 %
Tier 2 Capital	1.9 %	2.64 %	2.04 %
Cost To Income Ratio	46.83 %	51.91 %	46.9 %
Fresh Slippages - Quarterly	1857.0 Crs	1901.0 Crs	997.0 Crs
Life Insurance
New Business Performance - Life Insurance	285.1 Crs	350.52 Crs	n/a
NBFC
Cost of Borrowing	5.18 %	4.5 %	5.0 %
Financials
5 yr Average ROE	14.15 %	6.87 %	13.61 %
5yr average Equity Multiplier	17.53	14.1	14.15
5yr Average Asset Turnover Ratio	0.08	0.07	0.07
5yr Avg Net Profit Margin	8.44 %	6.21 %	11.04 %
5yr Avg Net Profit Margin	8.44 %	6.21 %	11.04 %
5yr CAGR Net Profit	43.42 %	48.47 %	29.03 %
5yr CAGR Sales	10.34 %	8.32 %	9.76 %
5 yr CAGR PPOP	9.85 %	3.55 %	11.69 %
Price to Book	1.03	0.83	1.47
P/E	6.58	6.93	10.2
Shareholdings
Promoter Holding	62.93 %	70.08 %	73.84 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-3.07 %	-6.02 %
Change in Mutual Fund Holding (3 Yrs)	-0.4 %	2.16 %	5.23 %

Business

	Canara Bank	PNB	Indian Bank
Segment Break-Up	Segment Break-Up Consumer Finance 42.02 Corporate Banking 30.98 Treasury Operations 21.24 Life Insurance Operation 0 Retail Banking 0 Corporate/Wholesale Banking 0 Treasury 0 Corporate/ Wholesale Banking 0 Others 5.76	Segment Break-Up Corporate/ Wholesale Banking 0 Treasury Operations 0 Treasury Operations 28.8 Consumer Finance 30.1 Corporate Banking 0 Consumer Finance 0 Corporate Banking 38.42 Life Insurance Operation 0 Others 2.68	Segment Break-Up Corporate Banking 32.2 Treasury Operations 0 Treasury Operations 24.23 Consumer Finance 41.07 Corporate Banking 0 Consumer Finance 0 Corporate/Wholesale Banking 0 Life Insurance Operation 0 Others 2.5
Location Wise Break-Up	Location Wise Break-Up India 95.74 Rest of the World 4.26	Location Wise Break-Up India 96.54 Rest of the World 3.46	Location Wise Break-Up India 96.87 Rest of the World 3.13
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 Long Term Infrastructure Bonds 0 0 0 Borrowings outside India 0 RBI 0	Borrowings Break-Up RESERVE BANK OF INDIA 0 Borrowings outside India 0 RBI 0 Other Institutions & Agencies 0 Long Term Infrastructure Bonds 3.52 Bonds 23.88 UNSECURED REDEEMABLE BONDS 0 Other banks - India 0 Borrowings outside India 13.08 Reserve Bank of India 34.23 Others 25.29	Borrowings Break-Up RESERVE BANK OF INDIA 0 Borrowings outside India 3.62 RBI 19.7 Other Institutions & Agencies 0 Long Term Infrastructure Bonds 0 0 UNSECURED REDEEMABLE BONDS 0 Other banks - India 0 Borrowings Outside India 0 0 Others 76.68
Profit Before Tax	Profit Before Tax Treasury 51.32 Retail Banking 48.08 Life Insurance 0 Wholesale Banking 0 Corporate & Wholesale Banking 0 Corporate Banking 0 Others 0.6	Profit Before Tax Corporate & Wholesale Banking 33.41 Treasury 38.06 Retail Banking 25.31 Corporate Banking 0 Life Insurance 0 Wholesale Banking 0 Others 3.22	Profit Before Tax Corporate & Wholesale Banking 0 Treasury 33.66 Retail Banking 33.16 Corporate Banking 28.46 Life Insurance 0 Wholesale Banking 0 Others 4.72
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 60.61 Priority Sector 39.39	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 29.63 Others 70.37	-
NPA Break-Up	NPA Break-Up Corporate 36.43 MSME Sector 29.53 Agricultural 27.68 Retail 6.35 Agri 0 Education 0 Car/Vehicle Loans 0 Housing 0 Retail Loans 0 Corporates 0 Services 0 Industry 0 Agriculture and allied activities 0 Corporate 0 Others 0.01	NPA Break-Up Agricultural 0 Agricultural Loan 47.38 Education 0 Corporate Banking 0.69 Agriculture and allied activities 0 Corporate 0 Services 0 Car/Vehicle Loans 0 Housing 0 MSME Sector 0 Consumer Finance 7.11 Retail 0 Industry 0 Others 44.82	NPA Break-Up Agricultural 0 Agri 0 Education 0 Corporates 0 Agricultural 52.0 Corporate 4.0 Services 0 Car/Vehicle Loans 0 Housing 0 MSME Sector 0 Retail Loans 0 Personal Loan 7.0 Industry 0 Others 37.0
Asset Break-Up	Asset Break-Up India 91.28 Others 8.72	-	Asset Break-Up India 94.66 Others 5.34

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