Union Bank Of India

Financial

	Union Bank Of India	IDBI	PNB
Operational Metrics
Asset Management Sector
% of AUM in equity fund	68.31 %	67.98 %	n/a
5 Yr AUM CAGR - Mutual Funds	40.76 %	-19.47 %	n/a
AUM - Mutual Funds	21309.89 Crs	3767.27 Crs	n/a
Banking Sector
CASA Ratio	33.52 %	46.56 %	37.95 %
CASA vs Liabilities	29.11 %	35.1 %	32.7 %
Credit Deposit Ratio	72.91 %	70.38 %	71.28 %
Fresh Slippages - Quarterly	2483.0 Crs	334.0 Crs	2904.0 Crs
Capital to Risks Assets Ratio (CRAR)	18.02 %	25.05 %	17.01 %
Tier I Capital	16.24 %	23.51 %	14.05 %
Tier 2 Capital	1.77 %	1.54 %	2.96 %
Cost To Income Ratio	48.91 %	43.33 %	56.21 %
Net Interest Margin	2.87 %	4.56 %	2.81 %
Yield On Advances	8.72 %	9.94 %	8.36 %
Gross NPA	3.6 %	2.98 %	3.95 %
Net NPA	0.63 %	0.15 %	0.4 %
NBFC
Cost of Borrowing	4.94 %	4.87 %	4.76 %
Financials
5 yr Average ROE	6.47 %	-1.18 %	6.87 %
5yr average Equity Multiplier	16.13	7.59	14.1
5yr Average Asset Turnover Ratio	0.08	0.08	0.07
5yr Avg Net Profit Margin	4.62 %	0.09 %	6.21 %
5yr Avg Net Profit Margin	4.62 %	0.09 %	6.21 %
5yr CAGR Net Profit	n/a	n/a	48.47 %
5yr CAGR Sales	22.26 %	3.57 %	8.32 %
5 yr CAGR PPOP	25.1 %	13.46 %	3.55 %
Price to Book	0.94	1.56	0.89
P/E	5.91	12.58	6.4
Shareholdings
Promoter Holding	74.76 %	94.71 %	70.08 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-8.74 %	0.0	-3.07 %
Change in Mutual Fund Holding (3 Yrs)	2.52 %	0.03 %	1.84 %

Business

	Union Bank Of India	IDBI	PNB
Segment Break-Up	Segment Break-Up Corporate Banking 34.32 Consumer Finance 34.26 Treasury Operations 26.38 Treasury 0 Retail banking 0 Corporate/Wholesale banking 0 Retail Banking 0 Corporate/Wholesale Banking 0 Others 5.04	Segment Break-Up Consumer Finance 0 Consumer Finance 59.82 Treasury Operations 23.12 Corporate Banking 0 Treasury Operations 0 Retail Banking 0 Corporate/Wholesale Banking 0 Corporate Banking 16.02 Others 1.04	Segment Break-Up Consumer Finance 0 Retail banking 0 Treasury Operations 28.52 Corporate Banking 0 Treasury Operations 0 Consumer Finance 26.51 Corporate Banking 41.79 Corporate/Wholesale banking 0 Others 3.18
Loan Break-Up	Loan Break-Up LC & Other 45.91 Retail 22.05 Agricultural 18.16 MSME 13.88 Services 0 Industry 0 Personal Loans 0	Loan Break-Up Retail 0 Industrial & Commercial 21.62 Services 23.36 Personal Loan 41.7 Agricultural 0 MSME 0 LC & Other 0 Others 13.32	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 96.39 Rest of the World 3.61
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 34.31 Treasury 31.12 Wholesale Banking 23.08 Others 11.49	-	-
Borrowings Break-Up	Borrowings Break-Up Perpetual Bonds 35.92 Tier 2 Bonds 29.47 Borrowings outside India 16.6 Reserve Bank of India 0 Upper Tier 2 Bonds 0 Borrowings outside India 0 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 Long Term Infrastructure Bonds 0 0 0 Others 18.01	Borrowings Break-Up Tier 2 Bonds 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.77 Basel III Omni Tier 2 Bond 15.48 Upper Tier 2 Bonds 0 0 Perpetual Bonds 0 Reserve Bank of India 14.05 Borrowings outside India 8.43 Upper Tier II Bonds 0 Long Term Infrastructure Bonds 0 0 0 Others 60.27	Borrowings Break-Up Tier 2 Bonds 0 0 Basel III Omni Tier 2 Bond 0 Upper Tier 2 Bonds 0 Bonds 50.01 Perpetual Bonds 0 Reserve Bank of India 0 Borrowings outside India 0 Upper Tier II Bonds 0 Long Term Infrastructure Bonds 3.86 0 0 Others 46.13
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 62.46 Priority Sector 37.54 Non-Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 33.8 Non Priority Sector 66.2 Non-Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 29.79 Non Priority Sector 0 Non Priority Sector 70.21
Asset Break-Up	Asset Break-Up Others 100	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 68.6 Liquid/ Money Market 25.81 Debt 4.2 Balanced schemes 0 ETF 0 EQUITY 0 FMP 0 Gilt 0 Others 1.39	AUM Break-Up - Asset Management Debt 5.2 Equity 67.98 Liquid/ Money Market 17.85 Equity 0 ETF 2.84 Gilt 0 Balanced schemes 4.95 FMP 0 Others 1.18	-
NPA Break-Up	NPA Break-Up Agricultural 40.06 Medium & Large 37.36 Micro, Small and Medium Enterprises 14.01 Consumer Finance 8.57 Agri 0 Education 0 Car/Vehicle Loans 0 Housing 0 Corporates 0 MSME 0	-	NPA Break-Up Consumer Finance 0 Medium & Large 0 Micro, Small and Medium Enterprises 0 Agricultural 0 Education 0 Housing 0 Corporate Banking 4.54 Agricultural Loan 44.95 Small & Medium Enterprises (SME) loans 43.0 Car/Vehicle Loans 0 Others 7.51

Union Bank Of India

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