Union Bank Of India

Financial

	Union Bank Of India	Indian Overseas Bank	IDBI
Operational Metrics
Asset Management Sector
% of AUM in equity fund	74.44 %	n/a	67.98 %
5 Yr AUM CAGR - Mutual Funds	28.45 %	n/a	-19.47 %
AUM - Mutual Funds	15013.37 Crs	n/a	3767.27 Crs
Banking Sector
CASA Ratio	34.4 %	43.49 %	49.88 %
CASA vs Liabilities	29.75 %	35.19 %	37.14 %
Credit Deposit Ratio	73.62 %	77.74 %	67.69 %
Fresh Slippages - Quarterly	2401.0 Crs	331.0 Crs	525.0 Crs
Capital to Risks Assets Ratio (CRAR)	15.03 %	16.8 %	20.32 %
Tier I Capital	13.06 %	13.95 %	18.04 %
Tier 2 Capital	1.98 %	2.85 %	2.28 %
Cost To Income Ratio	43.77 %	51.35 %	47.22 %
Net Interest Margin	3.08 %	3.12 %	4.72 %
Yield On Advances	8.75 %	8.88 %	10.47 %
Gross NPA	4.83 %	3.9 %	4.69 %
Net NPA	1.08 %	0.62 %	0.34 %
NBFC
Cost of Borrowing	5.27 %	5.02 %	4.6 %
Financials
5 yr Average ROE	0.66 %	9.76 %	-16.41 %
5yr average Equity Multiplier	16.97	13.96	7.84
5yr Average Asset Turnover Ratio	0.08	0.08	0.08
5yr Avg Net Profit Margin	0.8 %	6.74 %	-15.41 %
5yr Avg Net Profit Margin	0.8 %	6.74 %	-15.41 %
5yr CAGR Net Profit	n/a	55.55 %	n/a
5yr CAGR Sales	19.79 %	44.71 %	-0.37 %
5 yr CAGR PPOP	27.44 %	57.32 %	15.86 %
Price to Book	1.22	4.71	1.93
P/E	8.67	50.26	17.84
Shareholdings
Promoter Holding	74.76 %	96.38 %	94.71 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-14.31 %	0.54 %	0.0
Change in Mutual Fund Holding (3 Yrs)	2.51 %	0.03 %	-0.03 %

Business

	Union Bank Of India	Indian Overseas Bank	IDBI
Segment Break-Up	Segment Break-Up Consumer Finance 43.53 Corporate Banking 25.99 Treasury Operations 25.94 Retail Banking 0 Corporate / Wholesale Banking 0 Treasury 0 Retail banking 0 Corporate/Wholesale banking 0 Others 4.54	Segment Break-Up Retail banking 0 Corporate Banking 0 Consumer Finance 45.44 Corporate/Wholesale banking 0 Consumer Finance 0 Treasury Operations 0 Treasury Operations 22.83 Corporate Banking 28.97 Others 2.76	Segment Break-Up Consumer Finance 57.02 Corporate Banking 0 Retail Banking 0 Corporate Banking 14.45 Consumer Finance 0 Treasury Operations 0 Treasury Operations 26.95 Corporate / Wholesale Banking 0 Others 1.58
Loan Break-Up	Loan Break-Up LC & Other 45.56 Agricultural 19.82 Retail 19.36 MSME 0 Services 0 Industry 0 Personal Loans 0 Others 15.26	Loan Break-Up LC & Other 0 Retail 21.57 Services 0 Industry 0 Personal Loans 0 Agricultural 0 MSME 18.8 Others 59.63	Loan Break-Up LC & Other 0 Retail 0 Services 22.82 Industrial & Commercial 22.52 Personal Loan 38.43 Agricultural 0 MSME 0 Others 16.23
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 97.61 Rest of the World 2.39	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 63.55 Treasury 15.27 Wholesale Banking 13.61 Corporate / Wholesale Banking 0 Others 7.57	Operating Profit Break-Up Consumer Finance 76.58 Wholesale Banking 0 Treasury Operations 4.88 Corporate Banking 10.56 Others 7.98	-
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 31.02 Tier 2 Bonds 23.07 Perpetual Bonds 22.46 Borrowings outside India 18.1 Upper Tier 2 Bonds 0 RBI 0 Subordinated Debt 0 0 0 Other Institutions & Agencies 0 Borrowings outside India 0 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 Others 5.35	Borrowings Break-Up Perpetual Bonds 0 RBI 0 Subordinated Debt 11.85 0 0 0 Other Institutions & Agencies 74.16 Borrowings outside India 0 0 Reserve Bank of India 0 Basel III Omni Tier 2 Bond 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Upper Tier II Bonds 0 Others 13.99	Borrowings Break-Up Perpetual Bonds 0 RBI 0 Subordinated Debt 0 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 2.39 0 Other Institutions & Agencies 0 Borrowings outside India 4.42 0 Reserve Bank of India 18.99 Basel III Omni Tier 2 Bond 20.93 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Upper Tier II Bonds 0 Others 53.27
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 62.11 Priority Sector 37.89 Due from Banks 0 Syndicated Loans 0 Bills Purchased & Discounted 0 Public Sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 51.56 Public Sector 13.88 Due from Banks 0 Bills Purchased & Discounted 3.72 Loan From Banks 1.42 Others 29.42	Priority vs Non-Priority Sector Non Priority Sector 65.58 Priority Sector 34.42 Public Sector 0 Due from Banks 0 Bills Purchased & Discounted 0 Syndicated Loans 0
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 72.94 Liquid/ Money Market 21.03 Debt 4.81 Balanced schemes 0 ETF 0 EQUITY 0 FMP 0 Gilt 0 Others 1.22	-	AUM Break-Up - Asset Management Debt 5.2 Gilt 0 Balanced schemes 4.95 FMP 0 Liquid/ Money Market 17.85 Equity 0 Equity 67.98 ETF 2.84 Others 1.18
Asset Break-Up	Asset Break-Up Others 100	-	-
NPA Break-Up	NPA Break-Up Agricultural 34.96 Medium & Large 30.07 Micro, Small and Medium Enterprises 25.89 Consumer Finance 9.08 Overseas 0 Corporate 0 MSME 0 Agri 0 Retail 0	NPA Break-Up Medium & Large 0 Micro, Small and Medium Enterprises 0 Agricultural 25.86 Overseas 18.94 Retail 10.02 Consumer Finance 0 Agricultural 0 Corporate 18.03 MSME Sector 27.14 Others 0.01	-

Union Bank Of India

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