Central Bank Of India benchmarking: Performance to industry peers

Financial

	CentralBank of India	UCO Bank	Punjab & Sind Bank
Operational Metrics
Banks
Net Interest Margin	3.06 %	3.05 %	2.53 %
Yield On Advances	7.89 %	7.79 %	8.15 %
Gross NPA	2.6 %	2.0 %	2.21 %
Net NPA	0.49 %	0.25 %	0.65 %
CASA Ratio	46.61 %	36.94 %	30.06 %
CASA vs Liabilities	40.08 %	0.83 %	80.97 %
Credit Deposit Ratio	72.41 %	80.58 %	81.08 %
Cost To Income Ratio	55.4 %	37.49 %	60.21 %
Fresh Slippages - Quarterly	839.0 Crs	424.0 Crs	207.0 Crs
Capital to Risks Assets Ratio (CRAR)	18.28 %	19.03 %	17.61 %
Tier 2 Capital	1.74 %	1.59 %	1.05 %
Tier I Capital	16.54 %	17.44 %	16.56 %
NBFC
Cost of Borrowing	4.65 %	4.36 %	5.47 %
Financials
5 yr Average ROE	9.37 %	6.17 %	8.38 %
5yr average Equity Multiplier	13.8	11.6	10.4
5yr Average Asset Turnover Ratio	0.08	0.07	0.07
5yr Avg Net Profit Margin	7.58 %	5.97 %	10.09 %
5yr Avg Net Profit Margin	7.58 %	5.97 %	10.09 %
5yr CAGR Net Profit	33.28 %	76.11 %	4.93 %
5yr CAGR Sales	10.48 %	10.52 %	11.3 %
5 yr CAGR PPOP	10.46 %	7.79 %	10.4 %
Price to Book	0.69	0.98	1.15
P/E	6.15	11.51	12.18
Shareholdings
Promoter Holding	81.19 %	90.95 %	93.85 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-11.89 %	-4.44 %	-4.4 %
Change in Mutual Fund Holding (3 Yrs)	2.45 %	0.19 %	0.09 %

Business

	CentralBank of India	UCO Bank	Punjab & Sind Bank
Loan Break-Up	Loan Break-Up Corporate Banking 31.96 Consumer Finance 29.78 Small & Medium Enterprises (SME) loans 20.12 Agricultural Loan 18.14 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Personal loans 0 Advances to industries sector 0 Agriculture and allied 0	Loan Break-Up Personal Loan 57.56 Advances to industries sector 0 Agricultural Loan 0 Personal loans 0 Industrial & Commercial 11.69 Agricultural 14.21 Agriculture and allied 0 Small & Medium Enterprises (SME) loans 0 Priority Sector 1.93 Corporate Banking 0 Services 14.62 Consumer Finance 0	Loan Break-Up Personal Loans 0 Advances to industries 20.82 Agricultural Loan 0 Personal Loan 25.82 Industry 0 Agriculture and allied activities 0 Agricultural 13.38 Small & Medium Enterprises (SME) loans 0 0 Corporate Banking 0 Services 0 Consumer Finance 0 Others 39.98
Loan Break-Up	Loan Break-Up Corporate Banking 31.96 Consumer Finance 29.78 Small & Medium Enterprises (SME) loans 20.12 Agricultural Loan 18.14 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Personal loans 0 Advances to industries sector 0 Agriculture and allied 0	Loan Break-Up Personal Loan 57.56 Advances to industries sector 0 Agricultural Loan 0 Personal loans 0 Industrial & Commercial 11.69 Agricultural 14.21 Agriculture and allied 0 Small & Medium Enterprises (SME) loans 0 Priority Sector 1.93 Corporate Banking 0 Services 14.62 Consumer Finance 0	Loan Break-Up Personal Loans 0 Advances to industries 20.82 Agricultural Loan 0 Personal Loan 25.82 Industry 0 Agriculture and allied activities 0 Agricultural 13.38 Small & Medium Enterprises (SME) loans 0 0 Corporate Banking 0 Services 0 Consumer Finance 0 Others 39.98
Segment Break-Up	Segment Break-Up Consumer Finance 47.61 Treasury Operations 31.19 Corporate Banking 20.87 Others 0.33	Segment Break-Up Treasury Operations 0 Corporate Banking 0 Consumer Finance 0 Others 100	Segment Break-Up Treasury Operations 0 Corporate Banking 0 Consumer Finance 0 Others 100
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 94.25 Rest of the World 5.75	Location Wise Break-Up India 100.0 Rest of the World 0
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 41.44 Unsecured Redeemable NC Basel III 4.71 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 Unsecured Redeemable Bonds 0 Borrowings outside India 0 Subordinated Debt 0 Bonds 0 Institutions & Agencies 0 Reserve Bank Of India 0 Others 53.85	Borrowings Break-Up Bonds 0 Subordinated Debt 0 Reserve Bank of India 21.45 Reserve Bank Of India 0 Unsecured Redeemable NC Basel III 0 Borrowings outside India 1.37 Unsecured Redeemable Bonds 0 Upper Tier II Bonds 0 Institutions & Agencies 0 Innovative Perpetual Debt Instrument 0 Others 77.18	Borrowings Break-Up Bonds 18.35 Subordinated Debt 7.57 Reserve Bank of India 0 Reserve Bank of India 14.68 Unsecured Redeemable NC Basel III 0 Borrowings outside India 0 Unsecured Redeemable Bonds 0 Upper Tier II Bonds 0 Institutional Business 59.41 Innovative Perpetual Debt Instrument 0
Profit Before Tax	Profit Before Tax Retail Banking Operations 69.01 Treasury Operations 30.99 Wholesale Banking Operations 0	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 53.82 Priority Sector 46.18 Non Priority Sector Advance 0 Priority Sector Advance 0 Non Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 0 Non Priority Sector 59.79 Non Priority Sector 0 Priority Sector 40.21 Non Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 38.29 Non Priority Sector Advance 0 Non Priority Sector 61.71 Priority Sector Advance 0 Non Priority Sector 0
NPA Break-Up	NPA Break-Up Agricultural 40.57 MSME Sector 40.11 Retail 11.38 Corporate 7.93 Others 0 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Advances to industries sector 0 Agriculture and allied 0 Others 0.01	NPA Break-Up Personal Loan 7.86 Agricultural 0 Advances to industries sector 0 Industrial & Commercial 1.46 Agricultural 61.3 Retail 0 Agriculture and allied 0 Priority Sector 1.34 MSME Sector 0 Services 28.05 Others 0 Corporate 0	NPA Break-Up Personal Loans 0 Agricultural 0 Advances to industries 36.41 Industry 0 Agriculture and allied activities 0 Retail 11.11 Agricultural 45.62 0 MSME Sector 0 Services 0 Others 0 Corporate 6.83 Others 0.03
Digital Transactions Break-Up	Digital Transactions Break-Up UPI 89.52 RTGS/NEFT 3.86 IMPS 2.17 AEPS 0.59 Mobile Banking 0.34 Debit card 0.28 Internet Banking 0 ATM 0 Others 3.24	-	-
Asset Break-Up	Asset Break-Up Retail Banking 38.75 Treasury 35.34 Corporate / Wholesale Banking 0 Others 25.91	Asset Break-Up Corporate / Wholesale Banking 0 Retail Banking 0 Treasury 0 Others 100	Asset Break-Up Corporate / Wholesale Banking 28.21 Retail Banking 42.35 Treasury 28.07 Others 1.37

Central Bank Of India

Central Bank Of India

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