Canara Bank benchmarking: Perfomance to industry peers

Financial

	Canara Bank	Indian Bank	Union Bank Of India
Operational Metrics
Banking Sector
CASA Ratio	29.56 %	38.87 %	32.52 %
CASA vs Liabilities	24.41 %	32.77 %	26.98 %
Fresh Slippages - Quarterly	2129.0 Crs	1132.0 Crs	2199.0 Crs
Cost To Income Ratio	46.77 %	46.48 %	49.19 %
Credit Deposit Ratio	74.7 %	79.84 %	76.4 %
Capital to Risks Assets Ratio (CRAR)	16.52 %	17.31 %	18.3 %
Tier I Capital	14.58 %	15.27 %	16.58 %
Tier 2 Capital	1.94 %	2.04 %	1.72 %
Net Interest Margin	2.55 %	3.23 %	2.76 %
Yield On Advances	8.47 %	8.4 %	8.5 %
Gross NPA	2.69 %	2.6 %	3.52 %
Net NPA	0.63 %	0.16 %	0.62 %
Life Insurance Sector
New Business Performance - Life Insurance	377.87 Crs	n/a	n/a
NBFC
Cost of Borrowing	5.27 %	5.09 %	4.89 %
Financials
5 yr Average ROE	14.15 %	13.61 %	12.29 %
5yr average Equity Multiplier	17.53	14.15	15.51
5yr Average Asset Turnover Ratio	0.08	0.07	0.08
5yr Avg Net Profit Margin	8.44 %	11.04 %	8.83 %
5yr Avg Net Profit Margin	8.44 %	11.04 %	8.83 %
5yr CAGR Net Profit	43.42 %	29.03 %	44.48 %
5yr CAGR Sales	10.34 %	9.76 %	9.22 %
5 yr CAGR PPOP	9.85 %	11.69 %	9.57 %
Price to Book	1.06	1.43	0.89
P/E	6.92	9.72	5.75
Shareholdings
Promoter Holding	62.93 %	73.84 %	74.76 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-6.02 %	-8.73 %
Change in Mutual Fund Holding (3 Yrs)	1.96 %	5.81 %	2.69 %

Business

	Canara Bank	Indian Bank	Union Bank Of India
Segment Break-Up	Segment Break-Up Consumer Finance 41.97 Corporate Banking 29.99 Treasury Operations 19.19 Life Insurance Business 8.85 Retail Banking 0 Corporate/ Wholesale Banking 0 Treasury 0 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0	Segment Break-Up Treasury Operations 0 Treasury Operations 23.74 Corporate Banking 31.14 Treasure operations 0 Retail banking Operations 0 Life Insurance Business 0 Consumer Finance 0 Corporate Banking 0 Cooperate/Wholesale Banking 0 Consumer Finance 41.2 Others 3.92	Segment Break-Up Treasury Operations 0 Treasury 0 Corporate/ Wholesale Banking 0 Treasury Operations 26.63 Consumer Finance 36.46 Life Insurance Business 0 Consumer Finance 0 Corporate Banking 0 Corporate Banking 34.12 Retail Banking 0 Others 2.79
Location Wise Break-Up	Location Wise Break-Up India 95.67 Rest of the World 4.33	Location Wise Break-Up India 96.73 Rest of the World 3.27	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 RBI 0 Borrowings Outside India 0 Reserve Bank of India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0	Borrowings Break-Up Upper Tier 2 Bonds 0 UNSECURED REDEEMABLE BONDS 0 Other Institutions & Agencies 0 RESERVE BANK OF INDIA 0 Borrowings outside India 3.62 Tier 2 Bonds 0 Other banks - India 0 Reserve Bank of India 0 Perpetual Bonds 0 RBI 19.7 Borrowings Outside India 0 Others 76.68	Borrowings Break-Up Upper Tier 2 Bonds 0 UNSECURED REDEEMABLE BONDS 0 Other Institutions & Agencies 0 RESERVE BANK OF INDIA 0 Borrowings outside India 0 Tier 2 Bonds 28.92 Other banks - India 0 Reserve Bank of India 0 Perpetual Bonds 35.24 RBI 0 Borrowings outside India 13.35 Others 22.49
Profit Before Tax	Profit Before Tax Retail Banking 67.94 Treasury 31.72 Life Insurance 0.34 Wholesale Banking 0 Corporate Banking 0	Profit Before Tax Life Insurance 0 Wholesale Banking 0 Treasury 31.54 Corporate Banking 24.81 Retail Banking 32.41 Others 11.24	-
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 ETF 0 Balanced schemes 0 Liquid/ Money Market 22.06 Equity 71.11 Gilt 0 Debt 5.42 FMP 0 Others 1.41
NPA Break-Up	NPA Break-Up Corporate 40.18 Agricultural 27.14 MSME Sector 26.55 Retail 6.14 Services 0 Industry 0 Agriculture and allied activities 0 Corporate 0 Medium & Large 0 Micro & Small (MSE) 0 Agriculture 0 Retail Loans 0	NPA Break-Up Corporate 3.0 Agricultural 50.0 Personal Loan 7.0 Micro & Small (MSE) 0 Services 0 Retail Loans 0 Industry 0 Agriculture 0 Agricultural 0 MSME Sector 0 Medium & Large 0 Others 40.0	NPA Break-Up Corporate 0 Agriculture and allied activities 0 Retail 0 Micro, Small and Medium Enterprises 18.5 Services 0 Consumer Finance 7.92 Industry 0 Agricultural 42.12 Agricultural 0 MSME Sector 0 Medium & Large 31.46
Asset Break-Up	Asset Break-Up India 91.33 Others 8.67	Asset Break-Up India 94.61 Others 5.39	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 Non Priority Sector 65.77 Priority Sector 34.23

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