Canara Bank

Financial

	Canara Bank	IDBI	Union Bank Of India
Operational Metrics
Asset Management Sector
% of AUM in equity fund	79.6 %	67.98 %	66.83 %
5 Yr AUM CAGR - Mutual Funds	43.17 %	-19.47 %	40.76 %
AUM - Mutual Funds	106036.16 Crs	3767.27 Crs	20856.0 Crs
Banking Sector
CASA Ratio	31.17 %	46.56 %	33.52 %
CASA vs Liabilities	26.23 %	35.1 %	29.11 %
Credit Deposit Ratio	73.67 %	70.38 %	72.91 %
Fresh Slippages - Quarterly	2655.0 Crs	334.0 Crs	2483.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.33 %	25.05 %	18.02 %
Tier I Capital	14.37 %	23.51 %	16.24 %
Tier 2 Capital	1.96 %	1.54 %	1.77 %
Cost To Income Ratio	47.55 %	43.33 %	48.91 %
Net Interest Margin	2.8 %	4.56 %	2.87 %
Yield On Advances	8.83 %	9.94 %	8.72 %
Gross NPA	2.94 %	2.98 %	3.6 %
Net NPA	0.7 %	0.15 %	0.63 %
NBFC
Cost of Borrowing	5.28 %	4.87 %	4.94 %
Financials
5 yr Average ROE	9.12 %	-1.18 %	6.47 %
5yr average Equity Multiplier	17.85	7.59	16.13
5yr Average Asset Turnover Ratio	0.08	0.08	0.08
5yr Avg Net Profit Margin	5.49 %	0.09 %	4.62 %
5yr Avg Net Profit Margin	5.49 %	0.09 %	4.62 %
5yr CAGR Net Profit	n/a	n/a	n/a
5yr CAGR Sales	17.72 %	3.57 %	22.26 %
5 yr CAGR PPOP	25.16 %	13.46 %	25.1 %
Price to Book	0.9	1.43	0.88
P/E	5.42	11.52	5.53
Shareholdings
Promoter Holding	62.93 %	94.71 %	74.76 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-8.74 %
Change in Mutual Fund Holding (3 Yrs)	1.45 %	0.03 %	2.52 %

Business

	Canara Bank	IDBI	Union Bank Of India
Segment Break-Up	Segment Break-Up Consumer Finance 41.34 Corporate Banking 33.68 Treasury Operations 17.48 Life Insurance Business 7.5 Treasury 0 Retail banking 0 Corporate/Wholesale banking 0 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0	Segment Break-Up Treasury Operations 0 Consumer Finance 0 Retail banking Operations 0 Treasury Operations 23.12 Life Insurance Business 0 Corporate Banking 0 Treasure operations 0 Corporate Banking 16.02 Cooperate/Wholesale Banking 0 Consumer Finance 59.82 Others 1.04	Segment Break-Up Treasury Operations 0 Consumer Finance 0 Consumer Finance 34.26 Treasury 0 Life Insurance Business 0 Corporate Banking 0 Treasury Operations 26.38 Corporate/Wholesale banking 0 Corporate Banking 34.32 Retail banking 0 Others 5.04
Location Wise Break-Up	Location Wise Break-Up India 95.78 Rest of the World 4.22	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 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 Reserve Bank of India 0 Borrowings Outside India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0	Borrowings Break-Up Borrowings Outside India 0 Upper Tier 2 Bonds 0 Other Institutions & Agencies 0 Other banks - India 0 RESERVE BANK OF INDIA 0 0 Reserve Bank of India 14.05 Basel III Omni Tier 2 Bond 15.48 Borrowings outside India 8.43 UNSECURED REDEEMABLE BONDS 0 Tier 2 Bonds 0 Upper Tier II Bonds 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.77 Perpetual Bonds 0 Others 60.27	Borrowings Break-Up Borrowings outside India 16.6 Upper Tier 2 Bonds 0 Other Institutions & Agencies 0 Other banks - India 0 RESERVE BANK OF INDIA 0 0 Reserve Bank of India 0 Basel III Omni Tier 2 Bond 0 Borrowings outside India 0 UNSECURED REDEEMABLE BONDS 0 Tier 2 Bonds 29.47 Upper Tier II Bonds 0 0 Perpetual Bonds 35.92 Others 18.01
Profit Before Tax	Profit Before Tax Retail Banking 48.22 Treasury 46.35 Wholesale Banking 4.83 Life Insurance 0.6	Profit Before Tax Wholesale Banking 0 Life Insurance 0 Treasury 0 Retail Banking 0 Others 100	-
Asset Break-Up	Asset Break-Up India 91.76 Others 8.24	-	Asset Break-Up India 0 Others 100
NPA Break-Up	NPA Break-Up Corporate 41.39 Agricultural 26.56 MSME Sector 25.1 Retail 6.94 Medium & Large 0 Micro & Small (MSE) 0 Agriculture 0 Retail Loans 0 Others 0.01	-	NPA Break-Up Corporate 0 Micro, Small and Medium Enterprises 14.01 MSME Sector 0 Agricultural 0 Consumer Finance 8.57 Medium & Large 37.36 Agricultural 40.06 Retail 0
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 55.71 Priority Sector 44.29 Non Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 66.2 Priority Sector 33.8	Priority vs Non-Priority Sector Non Priority Sector 62.46 Priority Sector 37.54
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 79.86 Balanced schemes 11.33 Liquid/ Money Market 5.52 Debt 3.16 ETF 0 FMP 0 Gilt 0 Equity 0 Others 0.13	AUM Break-Up - Asset Management Gilt 0 ETF 2.84 Equity 0 Debt 5.2 FMP 0 Balanced schemes 4.95 Liquid/ Money Market 17.85 Others 69.16	AUM Break-Up - Asset Management Gilt 0 ETF 0 Equity 68.6 Debt 4.2 FMP 0 Balanced schemes 0 Liquid/ Money Market 25.81 Others 1.39

Canara Bank

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