Central Bank Of India

Financial

	CentralBank of India	UCO Bank	Indian Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.28 %	2.84 %	3.41 %
Yield On Advances	8.94 %	8.48 %	8.78 %
Gross NPA	4.5 %	3.85 %	4.47 %
Net NPA	1.27 %	0.98 %	0.53 %
CASA Ratio	48.98 %	37.61 %	39.67 %
CASA vs Liabilities	42.01 %	30.1 %	33.97 %
Credit Deposit Ratio	63.6 %	69.93 %	77.93 %
Cost To Income Ratio	56.91 %	60.72 %	46.9 %
Fresh Slippages - Quarterly	643.0 Crs	422.0 Crs	1429.0 Crs
Capital to Risks Assets Ratio (CRAR)	14.74 %	16.01 %	15.58 %
Tier 2 Capital	2.57 %	2.48 %	2.7 %
Tier I Capital	12.17 %	13.53 %	12.88 %
NBFC
Cost of Borrowing	4.83 %	4.78 %	5.09 %
Financials
5 yr Average ROE	-7.16 %	4.81 %	7.74 %
5yr average Equity Multiplier	15.13	11.46	14.62
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	-4.2 %	4.94 %	6.35 %
5yr Avg Net Profit Margin	-4.2 %	4.94 %	6.35 %
5yr CAGR Net Profit	n/a	65.82 %	71.09 %
5yr CAGR Sales	3.4 %	2.44 %	20.16 %
5 yr CAGR PPOP	17.07 %	0.91 %	25.76 %
Price to Book	1.84	2.54	1.33
P/E	23.43	40.32	9.28
Shareholdings
Promoter Holding	93.08 %	95.39 %	73.84 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	3.3 %	0.95 %	-14.22 %
Change in Mutual Fund Holding (3 Yrs)	0.05 %	0.04 %	9.14 %

Business

	CentralBank of India	UCO Bank	Indian Bank
Loan Break-Up	Loan Break-Up Corporate Banking 33.05 Consumer Finance 28.71 Small & Medium Enterprises (SME) loans 19.61 Agricultural Loan 18.63 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Corporate Sector 0 MSME sector 0 Agriculture sector 0 Retail sector 0	Loan Break-Up Personal Loan 25.31 Services 48.37 Corporate Banking 0 Agricultural Loan 0 Consumer Finance 0 Retail sector 0 Corporate Sector 0 Priority Sector 0.94 MSME sector 0 Industrial & Commercial 11.91 Agricultural 13.47 Agriculture sector 0 Small & Medium Enterprises (SME) loans 0	Loan Break-Up Personal Loans 0 Services 0 Corporate Banking 0 Agricultural Loan 0 Consumer Finance 0 Retail 20.92 Corporate 37.42 0 MSME Sector 17.53 Industry 0 Agriculture and allied activities 0 Agricultural 24.12 Small & Medium Enterprises (SME) loans 0 Others 0.01
Loan Break-Up	Loan Break-Up Corporate Banking 33.05 Consumer Finance 28.71 Small & Medium Enterprises (SME) loans 19.61 Agricultural Loan 18.63 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Corporate Sector 0 MSME sector 0 Agriculture sector 0 Retail sector 0	Loan Break-Up Personal Loan 25.31 Services 48.37 Corporate Banking 0 Agricultural Loan 0 Consumer Finance 0 Retail sector 0 Corporate Sector 0 Priority Sector 0.94 MSME sector 0 Industrial & Commercial 11.91 Agricultural 13.47 Agriculture sector 0 Small & Medium Enterprises (SME) loans 0	Loan Break-Up Personal Loans 0 Services 0 Corporate Banking 0 Agricultural Loan 0 Consumer Finance 0 Retail 20.92 Corporate 37.42 0 MSME Sector 17.53 Industry 0 Agriculture and allied activities 0 Agricultural 24.12 Small & Medium Enterprises (SME) loans 0 Others 0.01
Segment Break-Up	Segment Break-Up Consumer Finance 41.89 Treasury Operations 31.63 Corporate Banking 26.17 Corporate/ Wholesale Banking 0 Others 0.31	Segment Break-Up Corporate/ Wholesale Banking 0 Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Others 100	Segment Break-Up Corporate Banking 34.3 Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Others 65.7
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 93.03 Rest of the World 6.97	Location Wise Break-Up India 96.23 Rest of the World 3.77
Borrowings Break-Up	Borrowings Break-Up Unsecured Redeemable NC Basel III 30.0 Reserve Bank of India 21.17 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 Unsecured Redeemable Bonds 0 Borrowings outside India 0 RBI 0 Others 48.83	Borrowings Break-Up Reserve Bank of India 0 Borrowings outside India 1.4 Unsecured Redeemable NC Basel III 0 Unsecured Redeemable Bonds 0 RBI 0 Upper Tier II Bonds 0 Innovative Perpetual Debt Instrument 0 Others 98.6	Borrowings Break-Up Reserve Bank of India 0 Borrowings outside India 8.75 Unsecured Redeemable NC Basel III 0 Unsecured Redeemable Bonds 0 RBI 0 Upper Tier II Bonds 0 Innovative Perpetual Debt Instrument 0 Others 91.25
Profit Before Tax	Profit Before Tax Wholesale Banking Operations 83.21 Treasury Operations 16.79 Retail Banking Operations 0 Treasury 0 Corporate Banking 0 Retail Banking 0	-	Profit Before Tax Wholesale Banking Operations 0 Corporate Banking 29.71 Treasury Operations 0 Retail Banking 32.77 Retail Banking Operations 0 Treasury 32.61 Others 4.91
Digital Transactions Break-Up	Digital Transactions Break-Up UPI 81.13 RTGS/NEFT 5.47 IMPS 4.7 AEPS 1.3 Debit card 0.94 Internet Banking 0.56 Mobile Banking 0.51 ATM 0 Others 5.39	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 52.47 Priority Sector 47.53 Non Priority Sector Advance 0 Priority Sector Advance 0	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 0 Non Priority Sector 60.42 Priority Sector 39.58	-
Asset Break-Up	Asset Break-Up India 0 Others 100	Asset Break-Up India 96.56 Others 3.44	Asset Break-Up India 94.87 Others 5.13
NPA Break-Up	NPA Break-Up Corporate 38.2 Agricultural 29.21 MSME Sector 24.88 Retail 7.7 Others 0 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Others 0.01	NPA Break-Up Personal Loans 0 Services 28.54 Retail 0 MSME Sector 0 Priority Sector 1.2 Industrial & Commercial 7.03 Agricultural 43.01 Agricultural 0 Others 12.39 Corporate 0 Others 7.83	NPA Break-Up Personal Loans 0 Services 0 Personal Loan 10.0 MSME Sector 0 0 Industry 0 Agricultural 40.0 Agricultural 0 Others 0 Corporate 10.0 Others 40.0

Central Bank Of India

SIGN UP FOR FREE