Bank Of Baroda benchmarking: Performance to industry peers

Financial

	Bank Of Baroda	Union Bank Of India	PNB
Operational Metrics
Asset Management
% of AUM in equity fund	54.33 %	57.66 %	n/a
5 Yr AUM CAGR - Mutual Funds	39.67 %	37.73 %	n/a
AUM - Mutual Funds	53530.89 Crs	26516.94 Crs	n/a
Banks
CASA Ratio	38.9 %	35.21 %	37.0 %
CASA vs Liabilities	31.02 %	29.7 %	31.88 %
Credit Deposit Ratio	85.95 %	75.05 %	73.6 %
Fresh Slippages - Quarterly	2944.0 Crs	2023.0 Crs	2758.0 Crs
Capital to Risks Assets Ratio (CRAR)	15.82 %	18.1 %	17.74 %
Tier I Capital	13.64 %	15.69 %	15.15 %
Tier 2 Capital	2.18 %	1.47 %	2.59 %
Cost To Income Ratio	44.9 %	46.31 %	48.42 %
Net Interest Margin	2.89 %	2.64 %	2.47 %
Yield On Advances	7.44 %	7.98 %	7.51 %
Gross NPA	1.89 %	2.82 %	2.95 %
Net NPA	0.45 %	0.48 %	0.29 %
NBFC
Cost of Borrowing	4.78 %	4.37 %	4.44 %
Financials
5 yr Average ROE	11.48 %	12.29 %	6.87 %
5yr average Equity Multiplier	14.05	15.51	14.1
5yr Average Asset Turnover Ratio	0.08	0.08	0.07
5yr Avg Net Profit Margin	10.18 %	8.83 %	6.21 %
5yr Avg Net Profit Margin	10.18 %	8.83 %	6.21 %
5yr CAGR Net Profit	68.01 %	44.48 %	48.47 %
5yr CAGR Sales	11.29 %	9.22 %	8.32 %
5 yr CAGR PPOP	10.27 %	9.57 %	3.55 %
Price to Book	0.81	0.93	0.79
P/E	6.77	6.37	6.42
Shareholdings
Promoter Holding	63.97 %	74.76 %	70.08 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-8.73 %	-3.07 %
Change in Mutual Fund Holding (3 Yrs)	0.35 %	1.79 %	1.62 %

Business

	Bank Of Baroda	Union Bank Of India	PNB
Segment Break-Up	Segment Break-Up Consumer Finance 38.67 Corporate Banking 31.61 Treasury Operations 21.39 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Others 8.33	Segment Break-Up Consumer Finance 37.57 Corporate Banking 0 Corporate Banking 35.95 Treasury Operations 20.79 Treasury Operations 0 Consumer Finance 0 Others 5.69	Segment Break-Up Retail banking Operations 0 Corporate Banking 0 Cooperate/Wholesale Banking 0 Treasure operations 0 Treasury Operations 0 Consumer Finance 0 Others 100
Loan Break-Up	Loan Break-Up Consumer Finance 27.7 Others 24.0 Agricultural 16.4 Power 6.4 Roads & Bridge 2.6 Metals 2.2 Textiles 1.5 Iron & Steel 1.4 Food Processing 1.4 Chemicals 1.2 Infrastructure 0.9 Engineering 0.8 Petrochemicals 0.7 Telecom 0.6 Trade 0 MSME 0 LC & Other 0 Retail 0 Services 0 Industry 0 Others 12.2	Loan Break-Up Iron & Steel 0 Roads & Bridge 0 Trade 0 Industry 0 Telecom 0 Power 0 Textiles 0 Services 0 Chemicals 0 Metals 0 MSME 15.02 Infrastructure 0 LC & Other 40.02 Engineering 0 Consumer Finance 0 Others 0 Petrochemicals 0 Agricultural 0 Food Processing 0 Retail 23.46 Others 21.5	-
Location Wise Break-Up	Location Wise Break-Up India 87.88 Rest of the World 12.12	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 3.46 India 96.54
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 49.55 Corporate & Wholesale Banking 28.27 Treasury 18.89 Others 3.29	Operating Profit Break-Up Wholesale Banking 33.27 Treasury 15.05 Retail Banking 39.53 Others 12.15	-
Customer Segment	Customer Segment Corporate 38.2 Retail 31.0 Agricultural 16.4 MSME Sector 14.4	-	-
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 Non-Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 34.23 Non-Priority Sector 0 Non Priority Sector 65.77	Priority vs Non-Priority Sector Priority Sector 29.63 Non Priority Sector 70.37 Non Priority Sector 0
Asset Break-Up	Asset Break-Up India 81.09 Others 18.91	Asset Break-Up India 0 Others 100	-
NPA Break-Up	NPA Break-Up MSME Sector 36.85 Agricultural 30.81 Retail 20.09 International 11.88 Others 0.36 Corporate 0 Medium & Large 0 Micro & Small (MSE) 0 Retail Loans 0 Agri 0 Education 0 Car/Vehicle Loans 0 Housing 0 Corporates 0 Others 0.01	NPA Break-Up Others 0 International 0 Car/Vehicle Loans 0 Education 0 Corporates 0 Agricultural 0 Agri 0 Medium & Large 15.85 Consumer Finance 8.27 MSME Sector 0 Retail 0 Housing 0 Micro, Small and Medium Enterprises 22.57 Corporate 0 Others 53.31	NPA Break-Up Others 0 International 0 Car/Vehicle Loans 0 Education 0 Corporate Banking 0.69 Agricultural 0 Agricultural Loan 47.38 Medium & Large 0 Consumer Finance 7.11 MSME Sector 0 Retail 0 Housing 0 Micro & Small (MSE) 0 Corporate 0 Others 44.82
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 55.86 Liquid/ Money Market 32.81 Debt 6.33 Balanced schemes 2.31 Gilt 2.16 ETF 0.49 FMP 0 Equity 0 Others 0.04	AUM Break-Up - Asset Management Balanced schemes 0 Equity 58.61 Liquid/ Money Market 33.11 FMP 0 ETF 0 Gilt 0 Debt 6.67 Others 1.61	-

Bank Of Baroda

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