Canara Bank

Financial

	Canara Bank	Union Bank Of India	IDBI
Operational Metrics
Asset Management Sector
AUM - Mutual Funds	108907.6 Crs	20217.79 Crs	3767.27 Crs
5 Yr AUM CAGR - Mutual Funds	42.13 %	28.45 %	-19.47 %
% of AUM in equity fund	81.65 %	71.07 %	67.98 %
Banking Sector
Capital to Risks Assets Ratio (CRAR)	16.57 %	17.13 %	21.98 %
Tier I Capital	14.64 %	15.22 %	19.89 %
Tier 2 Capital	1.93 %	1.91 %	2.09 %
Cost To Income Ratio	46.46 %	43.8 %	44.92 %
Credit Deposit Ratio	75.11 %	72.33 %	72.39 %
Fresh Slippages - Quarterly	2345.0 Crs	4946.0 Crs	367.0 Crs
Net Interest Margin	2.86 %	2.97 %	4.53 %
Yield On Advances	8.77 %	8.71 %	10.42 %
Gross NPA	3.73 %	4.36 %	3.68 %
Net NPA	0.99 %	0.98 %	0.2 %
CASA Ratio	31.27 %	32.72 %	48.14 %
CASA vs Liabilities	25.98 %	28.61 %	35.89 %
NBFC
Cost of Borrowing	5.26 %	4.97 %	4.84 %
Financials
5 yr Average ROE	9.12 %	6.47 %	-1.18 %
5yr average Equity Multiplier	17.85	16.13	7.59
5yr Average Asset Turnover Ratio	0.08	0.08	0.08
5yr Avg Net Profit Margin	5.49 %	4.62 %	0.09 %
5yr Avg Net Profit Margin	5.49 %	4.62 %	0.09 %
5yr CAGR Net Profit	n/a	n/a	n/a
5yr CAGR Sales	17.72 %	22.26 %	3.57 %
5 yr CAGR PPOP	25.16 %	25.1 %	13.46 %
Price to Book	0.96	0.92	1.67
P/E	6.18	6.42	13.52
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	-8.73 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.64 %	1.9 %	0.0

Business

	Canara Bank	Union Bank Of India	IDBI
Segment Break-Up	Segment Break-Up Consumer Finance 42.58 Corporate Banking 30.61 Treasury Operations 17.83 Life Insurance Business 8.98 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Treasury 0 Retail banking 0 Corporate/Wholesale banking 0	Segment Break-Up Corporate Banking 34.97 Consumer Finance 0 Corporate/Wholesale banking 0 Consumer Finance 34.81 Life Insurance Business 0 Treasury Operations 0 Corporate Banking 0 Retail banking 0 Treasury Operations 25.47 Treasury 0 Others 4.75	Segment Break-Up Cooperate/Wholesale Banking 0 Consumer Finance 0 Corporate Banking 17.38 Retail banking Operations 0 Life Insurance Business 0 Treasury Operations 0 Corporate Banking 0 Consumer Finance 54.65 Treasure operations 0 Treasury Operations 27.0 Others 0.97
Location Wise Break-Up	Location Wise Break-Up India 95.65 Rest of the World 4.35	Location Wise Break-Up Rest of the World 0 India 100.0	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 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 RESERVE BANK OF INDIA 0 Upper Tier 2 Bonds 0 0 Borrowings outside India 16.6 Tier 2 Bonds 29.47 Other Institutions & Agencies 0 UNSECURED REDEEMABLE BONDS 0 Other banks - India 0 Reserve Bank of India 0 Basel III Omni Tier 2 Bond 0 Borrowings outside India 0 0 Upper Tier II Bonds 0 Perpetual Bonds 35.92 Others 18.01	Borrowings Break-Up RESERVE BANK OF INDIA 0 Upper Tier 2 Bonds 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.77 Borrowings Outside India 0 Tier 2 Bonds 0 Other Institutions & Agencies 0 UNSECURED REDEEMABLE BONDS 0 Other banks - India 0 Reserve Bank of India 14.05 Basel III Omni Tier 2 Bond 15.48 Borrowings outside India 8.43 0 Upper Tier II Bonds 0 Perpetual Bonds 0 Others 60.27
Profit Before Tax	Profit Before Tax Retail Banking 72.0 Treasury 27.38 Life Insurance 0.61 Wholesale Banking 0 Others 0.01	-	Profit Before Tax Treasury 61.92 Retail Banking 0 Life Insurance 0 Wholesale Banking 0 Others 38.08
Asset Break-Up	Asset Break-Up India 91.93 Others 8.07	Asset Break-Up India 0 Others 100	-
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 Priority Sector 37.54 Non Priority Sector 62.46	Priority vs Non-Priority Sector Priority Sector 33.8 Non Priority Sector 66.2
NPA Break-Up	NPA Break-Up Corporate 42.22 MSME Sector 28.39 Agricultural 23.91 Retail 5.48 Medium & Large 0 Micro & Small (MSE) 0 Agriculture 0 Retail Loans 0	NPA Break-Up MSME Sector 0 Micro, Small and Medium Enterprises 25.31 Agricultural 36.72 Corporate 0 Retail 0 Consumer Finance 9.35 Agricultural 0 Medium & Large 28.61 Others 0.01	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 81.88 Balanced schemes 11.48 Debt 3.41 Liquid/ Money Market 3.13 ETF 0 FMP 0 Gilt 0 Equity 0 Others 0.1	AUM Break-Up - Asset Management Equity 72.42 FMP 0 Liquid/ Money Market 24.29 Debt 2.33 ETF 0 Balanced schemes 0 Gilt 0 Others 0.96	AUM Break-Up - Asset Management Equity 0 FMP 0 Liquid/ Money Market 17.85 Debt 5.2 ETF 2.84 Balanced schemes 4.95 Gilt 0 Others 69.16

Canara Bank

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