Central Bank Of India

Financial

	CentralBank of India	UCO Bank	Bank of Maharashtra
Operational Metrics
Banking Sector
Net Interest Margin	3.17 %	3.0 %	4.01 %
Yield On Advances	8.54 %	8.5 %	9.3 %
Gross NPA	3.18 %	2.69 %	1.74 %
Net NPA	0.55 %	0.5 %	0.18 %
CASA Ratio	48.91 %	37.91 %	53.28 %
CASA vs Liabilities	42.07 %	30.7 %	44.33 %
Credit Deposit Ratio	68.6 %	74.94 %	76.86 %
Cost To Income Ratio	61.57 %	58.47 %	38.5 %
Fresh Slippages - Quarterly	1366.0 Crs	488.0 Crs	660.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.02 %	18.49 %	20.53 %
Tier 2 Capital	2.29 %	2.12 %	3.67 %
Tier I Capital	14.73 %	16.37 %	16.86 %
NBFC
Cost of Borrowing	4.92 %	4.78 %	4.3 %
Financials
5 yr Average ROE	1.97 %	5.37 %	12.95 %
5yr average Equity Multiplier	14.47	11.57	16.06
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	1.77 %	5.37 %	9.2 %
5yr Avg Net Profit Margin	1.77 %	5.37 %	9.2 %
5yr CAGR Net Profit	n/a	62.91 %	59.15 %
5yr CAGR Sales	5.43 %	7.05 %	12.31 %
5 yr CAGR PPOP	11.2 %	1.98 %	22.96 %
Price to Book	0.91	1.26	1.36
P/E	8.54	15.77	7.04
Shareholdings
Promoter Holding	89.27 %	90.95 %	79.6 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.81 %	-4.44 %	-11.37 %
Change in Mutual Fund Holding (3 Yrs)	0.15 %	0.04 %	0.81 %

Business

	CentralBank of India	UCO Bank	Bank of Maharashtra
Loan Break-Up	Loan Break-Up Corporate Banking 30.09 Consumer Finance 29.52 Small & Medium Enterprises (SME) loans 21.46 Agricultural Loan 18.94 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Corporate & Others 0 0 Agriculture Sector 0 Retail Sector 0	Loan Break-Up Corporate & Others 0 0 Corporate Banking 0 Personal Loan 57.66 Priority Sector 0.93 Retail Sector 0 Agriculture Sector 0 Services 16.65 Small & Medium Enterprises (SME) loans 0 Consumer Finance 0 Agricultural Loan 0 Industrial & Commercial 11.57 Agricultural 13.19	Loan Break-Up Corporate 37.67 MSME Sector 20.82 Corporate Banking 0 Personal Loans 0 0 Retail 26.75 Agricultural 14.76 Services 0 Small & Medium Enterprises (SME) loans 0 Consumer Finance 0 Agricultural Loan 0 Industry 0 Agriculture and allied activities 0
Loan Break-Up	Loan Break-Up Corporate Banking 30.09 Consumer Finance 29.52 Small & Medium Enterprises (SME) loans 21.46 Agricultural Loan 18.94 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Corporate & Others 0 0 Agriculture Sector 0 Retail Sector 0	Loan Break-Up Corporate & Others 0 0 Corporate Banking 0 Personal Loan 57.66 Priority Sector 0.93 Retail Sector 0 Agriculture Sector 0 Services 16.65 Small & Medium Enterprises (SME) loans 0 Consumer Finance 0 Agricultural Loan 0 Industrial & Commercial 11.57 Agricultural 13.19	Loan Break-Up Corporate 37.67 MSME Sector 20.82 Corporate Banking 0 Personal Loans 0 0 Retail 26.75 Agricultural 14.76 Services 0 Small & Medium Enterprises (SME) loans 0 Consumer Finance 0 Agricultural Loan 0 Industry 0 Agriculture and allied activities 0
Segment Break-Up	Segment Break-Up Consumer Finance 44.13 Treasury Operations 30.89 Corporate Banking 24.67 Corporate/ Wholesale Banking 0 Others 0.31	Segment Break-Up Corporate/ Wholesale Banking 0 Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Others 100	Segment Break-Up Corporate Banking 32.56 Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Others 67.44
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 93.89 Rest of the World 6.11	Location Wise Break-Up India 100.0 Rest of the World 0
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 55.01 Unsecured Redeemable NC Basel III 14.99 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 Unsecured Redeemable Bonds 0 Borrowings outside India 0 Borrowings Outside India 0 Infra Bonds 0 Subordinated Debt Bonds 0 0 0 Reserve Bank Of India 0 Others 30.0	Borrowings Break-Up Borrowings outside India 1.57 0 Unsecured Redeemable NC Basel III 0 Innovative Perpetual Debt Instrument 0 0 Unsecured Redeemable Bonds 0 Subordinated Debt Bonds 0 Reserve Bank Of India 0 Upper Tier II Bonds 0 Reserve Bank of India 16.39 Infra Bonds 0 Borrowings Outside India 0 Others 82.04	Borrowings Break-Up Borrowings outside India 0 Innovative Perpetual Debt Instruments (IPDI) 24.36 Unsecured Redeemable NC Basel III 0 Innovative Perpetual Debt Instrument 0 Hybrid Debt Capital Instruments issued as Bonds 48.29 Unsecured Redeemable Bonds 0 Subordinated Debt Bonds 0 Reserve Bank Of India 0 Upper Tier II Bonds 0 Reserve Bank of India 0 Infra Bonds 0 Borrowings Outside India 0 Others 27.35
Profit Before Tax	Profit Before Tax Retail Banking Operations 50.48 Wholesale Banking Operations 28.26 Treasury Operations 21.26	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 53.07 Priority Sector 46.93 Non Priority Sector Advance 0 Priority Sector Advance 0	Priority vs Non-Priority Sector Non Priority Sector 60.53 Priority Sector 39.47 Non Priority Sector 0 Priority Sector 0	-
Digital Transactions Break-Up	Digital Transactions Break-Up UPI 83.3 RTGS/NEFT 5.57 Debit card 4.65 IMPS 4.05 AEPS 0.92 Internet Banking 0.53 Mobile Banking 0.45 ATM 0 Others 0.53	-	-
NPA Break-Up	NPA Break-Up Corporate 32.28 Agricultural 31.39 MSME Sector 28.14 Retail 8.2 Others 0 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Large Corporate & Other 0 Medium 0 Micro & Small 0	NPA Break-Up Others 0 Personal Loan 11.67 MSME Sector 0 Priority Sector 2.03 Agricultural 0 Large Corporate & Other 0 Medium 0 Micro & Small 0 Corporate 0 Retail 0 Services 35.18 Industrial & Commercial 0.57 Agricultural 50.55	NPA Break-Up Others 0 Personal Loans 0 MSME Sector 0 0 Agricultural 0 Large Industries 3.08 Medium 0 Micro, Small and Medium Enterprises 27.64 Corporate 0 Retail 5.04 Services 0 Industry 0 Agriculture and allied activities 0 Others 64.24
Asset Break-Up	Asset Break-Up RETAIL BANKING 0 CORPORATE/ WHOLESALE BANKING 0 TREASURY 0 Others 100	Asset Break-Up TREASURY 0 CORPORATE/ WHOLESALE BANKING 0 RETAIL BANKING 0 Others 100	Asset Break-Up TREASURY 25.61 CORPORATE/ WHOLESALE BANKING 36.95 RETAIL BANKING 32.41 Others 5.03

Central Bank Of India

SIGN UP FOR FREE