Union Bank Of India benchmarking: Perfomance to industry peers

Financial

	Union Bank Of India	IDBI Bank	Indian Bank
Operational Metrics
Asset Management
AUM - Mutual Funds	26391.16 Crs	3767.27 Crs	n/a
% of AUM in equity fund	60.57 %	67.98 %	n/a
5 Yr AUM CAGR - Mutual Funds	40.76 %	-19.47 %	n/a
Banks
Capital to Risks Assets Ratio (CRAR)	17.07 %	25.39 %	17.31 %
Tier I Capital	15.58 %	23.79 %	15.27 %
Tier 2 Capital	1.49 %	1.6 %	2.04 %
Fresh Slippages - Quarterly	1985.0 Crs	409.0 Crs	1132.0 Crs
Cost To Income Ratio	50.65 %	43.37 %	46.48 %
Credit Deposit Ratio	76.94 %	75.85 %	79.84 %
Net Interest Margin	2.67 %	3.7 %	3.23 %
Yield On Advances	8.34 %	9.09 %	8.4 %
Gross NPA	3.29 %	2.65 %	2.6 %
Net NPA	1.0 %	0.21 %	0.16 %
CASA Ratio	32.56 %	45.81 %	38.87 %
CASA vs Liabilities	27.03 %	33.43 %	32.77 %
NBFC
Cost of Borrowing	4.86 %	4.9 %	5.09 %
Financials
5 yr Average ROE	12.29 %	10.61 %	13.61 %
5yr average Equity Multiplier	15.51	7.21	14.15
5yr Average Asset Turnover Ratio	0.08	0.08	0.07
5yr Avg Net Profit Margin	8.83 %	14.64 %	11.04 %
5yr Avg Net Profit Margin	8.83 %	14.64 %	11.04 %
5yr CAGR Net Profit	44.48 %	38.19 %	29.03 %
5yr CAGR Sales	9.22 %	6.6 %	9.76 %
5 yr CAGR PPOP	9.57 %	9.31 %	11.69 %
Price to Book	0.92	1.58	1.37
P/E	6.29	11.59	9.36
Shareholdings
Promoter Holding	74.76 %	94.71 %	73.84 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-8.73 %	0.0	-6.02 %
Change in Mutual Fund Holding (3 Yrs)	2.69 %	0.03 %	5.81 %

Business

	Union Bank Of India	IDBI Bank	Indian Bank
Segment Break-Up	Segment Break-Up Consumer Finance 36.46 Corporate Banking 34.12 Treasury Operations 26.63 Treasury 0 Retail banking 0 Corporate/Wholesale banking 0 Retail Banking 0 Corporate/ Wholesale Banking 0 Others 2.79	Segment Break-Up Treasury Operations 0 Corporate Banking 0 Corporate Banking 13.42 Corporate/ Wholesale Banking 0 Consumer Finance 55.69 Retail Banking 0 Consumer Finance 0 Treasury Operations 29.75 Others 1.14	Segment Break-Up Treasury Operations 0 Corporate Banking 0 Corporate/Wholesale banking 0 Corporate Banking 31.14 Retail banking 0 Consumer Finance 41.2 Consumer Finance 0 Treasury Operations 23.74 Others 3.92
Loan Break-Up	Loan Break-Up LC & Other 44.06 Retail 23.5 Agricultural 17.61 MSME 14.82 Services 0 Industry 0 Personal Loans 0 Corporate Sector 0 MSME sector 0 Agriculture sector 0 Retail sector 0 Others 0.01	Loan Break-Up Personal Loan 42.72 Retail 0 Retail sector 0 Agriculture sector 0 LC & Other 0 MSME 0 Industrial & Commercial 20.69 MSME sector 0 Corporate Sector 0 Agricultural 0 Services 23.08 Others 13.51	Loan Break-Up Personal Loans 0 Retail 0 Retail 22.75 Agricultural 25.49 LC & Other 0 MSME 0 Industry 0 MSME Sector 17.25 Corporate 34.5 Agricultural 0 Services 0 Others 0.01
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 96.73 Rest of the World 3.27
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 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 RBI 0 Others 22.49	Borrowings Break-Up Reserve Bank of India 0 Upper Tier 2 Bonds 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.52 RBI 0 Basel III Omni Tier 2 Bond 9.53 Tier 2 Bonds 0 Upper Tier II Bonds 0 Borrowings outside India 38.99 0 Perpetual Bonds 0 Others 49.96	Borrowings Break-Up Reserve Bank of India 0 Upper Tier 2 Bonds 0 0 RBI 19.7 Basel III Omni Tier 2 Bond 0 Tier 2 Bonds 0 Upper Tier II Bonds 0 Borrowings outside India 3.62 0 Perpetual Bonds 0 Others 76.68
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 65.77 Priority Sector 34.23	Priority vs Non-Priority Sector Non Priority Sector 70.37 Priority Sector 29.63	-
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 Gilt 0 Liquid/ Money Market 17.85 Equity 67.98 FMP 0 Equity 0 Debt 5.2 ETF 2.84 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 Personal Loan 7.0 Medium & Large 0 MSME 40.0 Industry 0 Agricultural 0 Micro, Small and Medium Enterprises 0 Consumer Finance 0 Corporate 3.0 Services 0

Union Bank Of India

Union Bank Of India

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