Bank Of Baroda benchmarking: Perfomance to industry peers

Financial

	Bank Of Baroda	PNB	Canara Bank
Operational Metrics
Asset Management
AUM - Mutual Funds	55225.97 Crs	n/a	n/a
5 Yr AUM CAGR - Mutual Funds	35.13 %	n/a	n/a
% of AUM in equity fund	55.51 %	n/a	n/a
Banks
Capital to Risks Assets Ratio (CRAR)	15.29 %	16.77 %	16.5 %
Tier I Capital	13.1 %	14.13 %	14.6 %
Tier 2 Capital	2.19 %	2.64 %	1.9 %
Credit Deposit Ratio	86.16 %	72.05 %	78.38 %
Fresh Slippages - Quarterly	2676.0 Crs	1901.0 Crs	1857.0 Crs
Cost To Income Ratio	49.53 %	51.91 %	46.83 %
Net Interest Margin	2.79 %	2.52 %	2.5 %
Yield On Advances	7.56 %	7.69 %	8.34 %
Gross NPA	2.04 %	3.19 %	2.08 %
Net NPA	0.57 %	0.32 %	0.45 %
CASA Ratio	38.45 %	37.1 %	29.52 %
CASA vs Liabilities	30.68 %	31.91 %	24.58 %
NBFC
Cost of Borrowing	4.75 %	4.5 %	5.18 %
Financials
5 yr Average ROE	11.48 %	6.87 %	14.15 %
5yr average Equity Multiplier	14.05	14.1	17.53
5yr Average Asset Turnover Ratio	0.08	0.07	0.08
5yr Avg Net Profit Margin	10.18 %	6.21 %	8.44 %
5yr Avg Net Profit Margin	10.18 %	6.21 %	8.44 %
5yr CAGR Net Profit	68.01 %	48.47 %	43.42 %
5yr CAGR Sales	11.29 %	8.32 %	10.34 %
5 yr CAGR PPOP	10.27 %	3.55 %	9.85 %
Price to Book	0.87	0.94	1.13
P/E	7.38	7.88	7.23
Shareholdings
Promoter Holding	63.97 %	70.08 %	62.93 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-3.07 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-0.9 %	2.16 %	-0.4 %

Business

	Bank Of Baroda	PNB	Canara Bank
Segment Break-Up	Segment Break-Up Consumer Finance 38.08 Corporate Banking 30.95 Treasury Operations 25.3 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Others 5.67	Segment Break-Up Retail Banking Operations 0 Wholesale Banking Operations 0 Life Insurance Operation 0 Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Others 100	Segment Break-Up Consumer Finance 42.02 Corporate Banking 30.98 Life Insurance Operation 0 Consumer Finance 0 Corporate Banking 0 Treasury Operations 21.24 Others 5.76
Loan Break-Up	Loan Break-Up Consumer Finance 27.9 Others 24.8 Agricultural 16.2 Power 6.1 Roads & Bridge 3.3 Metals 2.2 Iron & Steel 1.4 Textiles 1.4 Food Processing 1.3 Chemicals 1.2 Infrastructure 1.0 Engineering 0.8 Petrochemicals 0.7 Telecom 0.6 Trade 0 Others 11.1	-	-
Location Wise Break-Up	Location Wise Break-Up India 87.71 Rest of the World 12.29	Location Wise Break-Up India 96.54 Rest of the World 3.46	Location Wise Break-Up India 95.74 Rest of the World 4.26
Operating Profit Break-Up	Operating Profit Break-Up Treasury 38.97 Retail Banking 33.64 Corporate & Wholesale Banking 27.38 Others 0.01	-	-
Customer Segment	Customer Segment Corporate 38.3 Retail 31.2 Agricultural 16.2 MSME Sector 14.3	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 59.97 Liquid/ Money Market 26.71 Debt 7.67 Gilt 2.65 Balanced schemes 2.51 ETF 0.41 FMP 0 Others 0.08	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 72.75 Priority Sector 27.25 Non-Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 29.63 Non Priority Sector 70.37	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 39.39 Non Priority Sector 60.61
Asset Break-Up	Asset Break-Up India 82.08 Others 17.92	-	Asset Break-Up India 91.28 Others 8.72
NPA Break-Up	NPA Break-Up MSME Sector 37.02 Agricultural 29.63 Retail 19.93 International 13.04 Others 0.37 Corporate 0 Agri 0 Education 0 Car/Vehicle Loans 0 Housing 0 Retail Loans 0 Corporates 0 Corporate & Others 0 Agriculture & Allied 0 Others 0.01	NPA Break-Up Consumer Finance 7.11 Agricultural Loan 47.38 Agriculture & Allied 0 MSME Sector 0 Agricultural 0 Education 0 Others 0 Corporate & Others 0 Housing 0 Car/Vehicle Loans 0 International 0 Corporate Banking 0.69 Corporate 0 Retail 0 Others 44.82	NPA Break-Up Retail Loans 0 Agri 0 Agricultural 27.68 MSME Sector 0 Agricultural 0 Education 0 Others 0 Corporate 36.43 Housing 0 Car/Vehicle Loans 0 International 0 Corporates 0 Corporate 0 Retail 6.35 Others 29.54

Bank Of Baroda

Bank Of Baroda

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