Union Bank Of India benchmarking: Perfomance to industry peers

Financial

	Union Bank Of India	Indian Bank	IDBI
Operational Metrics
Asset Management
AUM - Mutual Funds	24761.18 Crs	n/a	3767.27 Crs
% of AUM in equity fund	62.96 %	n/a	67.98 %
5 Yr AUM CAGR - Mutual Funds	40.76 %	n/a	-19.47 %
Banks
Capital to Risks Assets Ratio (CRAR)	17.07 %	17.31 %	25.39 %
Tier I Capital	15.58 %	15.27 %	23.79 %
Tier 2 Capital	1.49 %	2.04 %	1.6 %
Fresh Slippages - Quarterly	1985.0 Crs	1132.0 Crs	409.0 Crs
Cost To Income Ratio	50.65 %	46.48 %	43.37 %
Credit Deposit Ratio	76.94 %	79.84 %	75.85 %
Net Interest Margin	2.67 %	3.23 %	3.7 %
Yield On Advances	8.34 %	8.4 %	9.09 %
Gross NPA	3.29 %	2.6 %	2.65 %
Net NPA	1.0 %	0.16 %	0.21 %
CASA Ratio	32.56 %	38.87 %	45.81 %
CASA vs Liabilities	27.03 %	32.77 %	33.43 %
NBFC
Cost of Borrowing	4.86 %	5.09 %	4.9 %
Financials
5 yr Average ROE	12.29 %	13.61 %	10.61 %
5yr average Equity Multiplier	15.51	14.15	7.21
5yr Average Asset Turnover Ratio	0.08	0.07	0.08
5yr Avg Net Profit Margin	8.83 %	11.04 %	14.64 %
5yr Avg Net Profit Margin	8.83 %	11.04 %	14.64 %
5yr CAGR Net Profit	44.48 %	29.03 %	38.19 %
5yr CAGR Sales	9.22 %	9.76 %	6.6 %
5 yr CAGR PPOP	9.57 %	11.69 %	9.31 %
Price to Book	0.93	1.53	1.59
P/E	6.33	10.44	11.64
Shareholdings
Promoter Holding	74.76 %	73.84 %	94.71 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-8.73 %	-6.02 %	0.0
Change in Mutual Fund Holding (3 Yrs)	2.69 %	5.81 %	0.03 %

Business

	Union Bank Of India	Indian Bank	IDBI
Segment Break-Up	Segment Break-Up Consumer Finance 36.46 Corporate Banking 34.12 Treasury Operations 26.63 Retail Banking 0 Corporate/ Wholesale Banking 0 Treasury 0 Retail banking 0 Corporate/Wholesale banking 0 Others 2.79	Segment Break-Up Retail banking 0 Consumer Finance 0 Corporate/Wholesale banking 0 Treasury Operations 23.74 Corporate Banking 0 Corporate Banking 31.14 Treasury Operations 0 Consumer Finance 41.2 Others 3.92	Segment Break-Up Consumer Finance 55.69 Consumer Finance 0 Corporate Banking 13.42 Treasury Operations 29.75 Corporate Banking 0 Corporate/ Wholesale Banking 0 Treasury Operations 0 Retail Banking 0 Others 1.14
Loan Break-Up	Loan Break-Up LC & Other 44.06 Retail 23.5 Agricultural 17.61 MSME 14.82 Services 0 Industry 0 Corporate Sector 0 MSME sector 0 Agriculture sector 0 Retail sector 0 Personal Loans 0 Others 0.01	Loan Break-Up Services 0 LC & Other 0 Industry 0 Agricultural 25.49 Personal Loans 0 Retail 22.75 MSME Sector 17.25 Retail 0 Agricultural 0 Corporate 34.5 MSME 0 Others 0.01	Loan Break-Up Services 23.08 LC & Other 0 Industrial & Commercial 20.69 Agriculture sector 0 Personal Loan 42.72 Retail sector 0 MSME sector 0 Retail 0 Agricultural 0 Corporate Sector 0 MSME 0 Others 13.51
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 96.73 Rest of the World 3.27	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 44.2 Treasury 32.69 Wholesale Banking 19.24 Others 3.87	-	-
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 Borrowings outside India 0 RBI 0 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 Others 22.49	Borrowings Break-Up RBI 19.7 Perpetual Bonds 0 Basel III Omni Tier 2 Bond 0 Borrowings outside India 3.62 Upper Tier 2 Bonds 0 Reserve Bank of India 0 0 Tier 2 Bonds 0 Upper Tier II Bonds 0 0 Others 76.68	Borrowings Break-Up RBI 0 Perpetual Bonds 0 Basel III Omni Tier 2 Bond 9.53 Borrowings outside India 38.99 Upper Tier 2 Bonds 0 Reserve Bank of India 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.52 Tier 2 Bonds 0 Upper Tier II Bonds 0 0 Others 49.96
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 65.77 Priority Sector 34.23	-	Priority vs Non-Priority Sector Priority Sector 29.63 Non Priority Sector 70.37
Asset Break-Up	Asset Break-Up India 0 Others 100	Asset Break-Up India 94.61 Others 5.39	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 71.11 Liquid/ Money Market 22.06 Debt 5.42 Balanced schemes 0 ETF 0 EQUITY 0 FMP 0 Gilt 0 Others 1.41	-	AUM Break-Up - Asset Management Liquid/ Money Market 17.85 ETF 2.84 Equity 0 Equity 67.98 FMP 0 Debt 5.2 Gilt 0 Balanced schemes 4.95 Others 1.18
NPA Break-Up	NPA Break-Up Agricultural 42.12 Medium & Large 31.46 Micro, Small and Medium Enterprises 18.5 Consumer Finance 7.92 Retail 0 MSME 0 Services 0 Industry 0 Agriculture and allied activities 0 Corporate 0	NPA Break-Up Agricultural 50.0 Services 0 Industry 0 Micro, Small and Medium Enterprises 0 Medium & Large 0 Corporate 3.0 Personal Loan 7.0 Consumer Finance 0 Agricultural 0 MSME 40.0	-

Union Bank Of India

Union Bank Of India

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