Union Bank Of India benchmarking: Performance to industry peers

Financial

	Union Bank Of India	Bank Of Baroda	PNB
Operational Metrics
Asset Management
% of AUM in equity fund	58.91 %	53.56 %	n/a
5 Yr AUM CAGR - Mutual Funds	40.76 %	35.13 %	n/a
AUM - Mutual Funds	27462.82 Crs	56671.67 Crs	n/a
Banks
CASA Ratio	33.96 %	38.45 %	37.1 %
CASA vs Liabilities	27.74 %	30.68 %	31.91 %
Credit Deposit Ratio	81.15 %	86.16 %	72.05 %
Fresh Slippages - Quarterly	1660.0 Crs	2676.0 Crs	1901.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.49 %	15.29 %	16.77 %
Tier I Capital	13.94 %	13.1 %	14.13 %
Tier 2 Capital	1.43 %	2.19 %	2.64 %
Cost To Income Ratio	49.95 %	49.53 %	51.91 %
Net Interest Margin	2.76 %	2.79 %	2.52 %
Yield On Advances	8.27 %	7.56 %	7.69 %
Gross NPA	3.06 %	2.04 %	3.19 %
Net NPA	0.51 %	0.57 %	0.32 %
NBFC
Cost of Borrowing	4.6 %	4.75 %	4.5 %
Financials
5 yr Average ROE	12.29 %	11.48 %	6.87 %
5yr average Equity Multiplier	15.51	14.05	14.1
5yr Average Asset Turnover Ratio	0.08	0.08	0.07
5yr Avg Net Profit Margin	8.83 %	10.18 %	6.21 %
5yr Avg Net Profit Margin	8.83 %	10.18 %	6.21 %
5yr CAGR Net Profit	44.48 %	68.01 %	48.47 %
5yr CAGR Sales	9.22 %	11.29 %	8.32 %
5 yr CAGR PPOP	9.57 %	10.27 %	3.55 %
Price to Book	1.01	0.82	0.82
P/E	7.02	6.9	6.88
Shareholdings
Promoter Holding	74.76 %	63.97 %	70.08 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-8.73 %	0.0	-3.07 %
Change in Mutual Fund Holding (3 Yrs)	1.6 %	-0.9 %	2.16 %

Business

	Union Bank Of India	Bank Of Baroda	PNB
Loan Break-Up	Loan Break-Up LC & Other 38.84 Retail 24.15 Agricultural 17.24 MSME 15.36 Services 0 Industry 0 Basic Metals & Metal Industry 0 Iron & Steel 0 Textiles 0 Petroleum & Petrochemicals 0 All Engineering 0 Food Processing 0 Chemicals and Chemical products 0 Trade 0 Other Industries / Sectors 0 Retail Loans 0 Power 0 Roads & Ports 0 Telecom 0 Other Infrastructure 0 Others 4.41	Loan Break-Up Chemicals 1.2 Metals 2.2 Petrochemicals 0.7 LC & Other 0 Consumer Finance 27.7 Retail 0 MSME 0 Others 24.0 Infrastructure 0.9 Iron & Steel 1.4 Agricultural 0 Food Processing 1.4 Power 6.4 Roads & Bridge 2.6 Services 0 Textiles 1.5 Industry 0 Trade 0 Telecom 0.6 Engineering 0.8 Others 28.6	-
Segment Break-Up	Segment Break-Up Consumer Finance 37.76 Corporate Banking 32.52 Treasury Operations 23.27 Retail Banking 0 Corporate/Wholesale Banking 0 Treasury 0 Others 6.45	Segment Break-Up Consumer Finance 38.67 Treasury Operations 21.39 Consumer Finance 0 Treasury Operations 0 Corporate Banking 31.61 Corporate Banking 0 Others 8.33	Segment Break-Up Consumer Finance 30.1 Treasury Operations 28.8 Consumer Finance 0 Treasury Operations 0 Corporate Banking 38.42 Corporate Banking 0 Others 2.68
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 12.12 India 87.88	Location Wise Break-Up Rest of the World 3.46 India 96.54
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 36.92 Wholesale Banking 27.81 Treasury 23.23 Others 12.04	Operating Profit Break-Up Wholesale Banking 0 Treasury 18.89 Retail Banking 49.55 Others 31.56	-
Borrowings Break-Up	Borrowings Break-Up Perpetual Bonds 35.24 Tier 2 Bonds 28.92 Borrowings outside India 13.35 Reserve Bank of India 0 Upper Tier 2 Bonds 0 Long Term Infrastructure Bonds 0 0 0 Others 22.49	-	Borrowings Break-Up Perpetual Bonds 0 Reserve Bank of India 0 Bonds 23.88 Upper Tier 2 Bonds 0 Tier 2 Bonds 0 Borrowings outside India 0 Long Term Infrastructure Bonds 3.52 Reserve Bank of India 34.23 Others 38.37
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 65.77 Priority Sector 34.23 Non Priority sector 0 Priority sector 0 Non-Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 72.75 Non Priority Sector 0 Priority Sector 0 Non-Priority Sector 0 Priority Sector 27.25	Priority vs Non-Priority Sector Non Priority sector 0 Non Priority Sector 0 Priority Sector 29.63 Non Priority Sector 70.37 Priority sector 0
Asset Break-Up	Asset Break-Up India 0 Others 100	Asset Break-Up India 81.09 Others 18.91	-
NPA Break-Up	NPA Break-Up Agricultural 45.51 Micro, Small and Medium Enterprises 21.29 Medium & Large 16.24 Consumer Finance 8.58 International 0 Others 0 Retail 0 MSME 0 Corporate 0 Agri 0 Education 0 Car/Vehicle Loans 0 Housing 0 Corporates 0 Others 8.38	NPA Break-Up MSME Sector 36.85 Car/Vehicle Loans 0 International 11.88 Medium & Large 0 Housing 0 Corporates 0 Agricultural 0 Education 0 Consumer Finance 0 Agri 0 Corporate 0 Retail 20.09 Others 0.36 Micro, Small and Medium Enterprises 0 Others 30.82	NPA Break-Up Small & Medium Enterprises (SME) loans 44.82 Car/Vehicle Loans 0 International 0 Medium & Large 0 Housing 0 Corporate Banking 0.69 Agricultural 0 Education 0 Consumer Finance 0 Agricultural Loan 47.38 Corporate 0 Retail 0 Others 0 Micro, Small and Medium Enterprises 0 Others 7.11
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 60.81 Liquid/ Money Market 29.69 Debt 8.21 Balanced schemes 0 ETF 0 EQUITY 0 FMP 0 Gilt 0 Others 1.29	AUM Break-Up - Asset Management Liquid/ Money Market 32.81 Debt 6.33 Equity 0 Equity 55.86 ETF 0.49 Balanced schemes 2.31 Gilt 2.16 FMP 0 Others 0.04	-

Union Bank Of India

Union Bank Of India

Financial

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