Canara Bank benchmarking: Performance to industry peers

Financial

	Canara Bank	PNB	Union Bank Of India
Operational Metrics
Banks
Net Interest Margin	2.51 %	2.47 %	2.64 %
Yield On Advances	8.29 %	7.51 %	7.98 %
Gross NPA	1.84 %	2.95 %	2.82 %
Net NPA	0.43 %	0.29 %	0.48 %
CASA Ratio	29.84 %	37.0 %	35.21 %
CASA vs Liabilities	24.8 %	31.88 %	29.7 %
Credit Deposit Ratio	78.89 %	73.6 %	75.05 %
Capital to Risks Assets Ratio (CRAR)	17.04 %	17.74 %	18.1 %
Tier I Capital	14.59 %	15.15 %	15.69 %
Tier 2 Capital	2.45 %	2.59 %	1.47 %
Cost To Income Ratio	48.45 %	48.42 %	46.31 %
Fresh Slippages - Quarterly	2771.0 Crs	2758.0 Crs	2023.0 Crs
Life Insurance
New Business Performance - Life Insurance	385.87 Crs	603.99 Crs	n/a
NBFC
Cost of Borrowing	5.09 %	4.44 %	4.37 %
Financials
5 yr Average ROE	14.15 %	6.87 %	12.29 %
5yr average Equity Multiplier	17.53	14.1	15.51
5yr Average Asset Turnover Ratio	0.08	0.07	0.08
5yr Avg Net Profit Margin	8.44 %	6.21 %	8.83 %
5yr Avg Net Profit Margin	8.44 %	6.21 %	8.83 %
5yr CAGR Net Profit	43.42 %	48.47 %	44.48 %
5yr CAGR Sales	10.34 %	8.32 %	9.22 %
5 yr CAGR PPOP	9.85 %	3.55 %	9.57 %
Price to Book	1.0	0.8	0.94
P/E	6.56	6.54	6.44
Shareholdings
Promoter Holding	62.93 %	70.08 %	74.76 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-3.07 %	-8.73 %
Change in Mutual Fund Holding (3 Yrs)	0.48 %	1.62 %	1.79 %

Business

	Canara Bank	PNB	Union Bank Of India
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 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Others 5.76	Segment Break-Up Retail banking Operations 0 Consumer Finance 0 Consumer Finance 30.1 Corporate Banking 38.42 Life Insurance Operation 0 Cooperate/Wholesale Banking 0 Treasure operations 0 Treasury Operations 0 Treasury Operations 28.8 Corporate Banking 0 Others 2.68	Segment Break-Up Consumer Finance 37.57 Consumer Finance 0 Retail Banking 0 Corporate/Wholesale Banking 0 Life Insurance Operation 0 Corporate Banking 35.95 Treasury Operations 20.79 Treasury Operations 0 Treasury 0 Corporate Banking 0 Others 5.69
Location Wise Break-Up	Location Wise Break-Up India 95.74 Rest of the World 4.26	Location Wise Break-Up Rest of the World 3.46 India 96.54	Location Wise Break-Up Rest of the World 0 India 100.0
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 Long Term Infrastructure Bonds 0 0 0 Reserve Bank of India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0	Borrowings Break-Up Other Institutions & Agencies 0 UNSECURED REDEEMABLE BONDS 0 RESERVE BANK OF INDIA 0 Reserve Bank of India 0 Tier 2 Bonds 0 Bonds 23.88 Reserve Bank of India 34.23 Other banks - India 0 Perpetual Bonds 0 Borrowings outside India 13.08 Long Term Infrastructure Bonds 3.52 Upper Tier 2 Bonds 0 Others 25.29	Borrowings Break-Up Other Institutions & Agencies 0 UNSECURED REDEEMABLE BONDS 0 RESERVE BANK OF INDIA 0 Reserve Bank of India 0 Tier 2 Bonds 28.92 0 0 Other banks - India 0 Perpetual Bonds 35.24 Borrowings outside India 13.35 Long Term Infrastructure Bonds 0 Upper Tier 2 Bonds 0 Others 22.49
Profit Before Tax	Profit Before Tax Treasury 51.32 Retail Banking 48.08 Life Insurance 0 Wholesale Banking 0 Corporate & Wholesale Banking 0 Others 0.6	Profit Before Tax Retail Banking 25.31 Life Insurance 0 Corporate & Wholesale Banking 33.41 Wholesale Banking 0 Treasury 38.06 Others 3.22	-
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 29.63 Non Priority Sector 0 Others 70.37	Priority vs Non-Priority Sector Priority Sector 34.23 Non Priority Sector 65.77
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 Medium & Large 0 Micro & Small (MSE) 0 Agriculture 0 Others 0.01	NPA Break-Up Medium & Large 0 Micro & Small (MSE) 0 Housing 0 Corporate Banking 0.69 Consumer Finance 7.11 Agriculture 0 Corporate 0 Car/Vehicle Loans 0 Retail 0 Agricultural Loan 47.38 MSME Sector 0 Education 0 Agricultural 0 Others 44.82	NPA Break-Up Medium & Large 15.85 Micro, Small and Medium Enterprises 22.57 Housing 0 Corporates 0 Consumer Finance 8.27 Agricultural 45.92 Corporate 0 Car/Vehicle Loans 0 Retail 0 Agri 0 MSME Sector 0 Education 0 Agricultural 0 Others 7.39
Asset Break-Up	Asset Break-Up India 91.28 Others 8.72	-	Asset Break-Up India 0 Others 100

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