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	56.7 %	56.54 %	n/a
5 Yr AUM CAGR - Mutual Funds	39.67 %	37.73 %	n/a
AUM - Mutual Funds	54314.02 Crs	29098.26 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	13.6 %	14.28 %	8.86 %
5yr average Equity Multiplier	13.66	14.55	14.05
5yr Average Asset Turnover Ratio	0.08	0.08	0.07
5yr Avg Net Profit Margin	12.37 %	11.22 %	8.13 %
5yr Avg Net Profit Margin	12.37 %	11.22 %	8.13 %
5yr CAGR Net Profit	20.38 %	29.84 %	36.65 %
5yr CAGR Sales	12.31 %	9.45 %	11.09 %
5 yr CAGR PPOP	8.48 %	5.6 %	7.05 %
Price to Book	0.87	1.0	0.83
P/E	7.28	6.87	6.74
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 41.87 Corporate Banking 34.14 Treasury Operations 19.04 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Others 4.95	Segment Break-Up Treasury Operations 20.79 Corporate Banking 35.95 Treasury Operations 0 Consumer Finance 37.57 Consumer Finance 0 Corporate Banking 0 Others 5.69	Segment Break-Up Treasure operations 0 Cooperate/Wholesale Banking 0 Treasury Operations 0 Retail banking Operations 0 Consumer Finance 0 Corporate Banking 0 Others 100
Loan Break-Up	Loan Break-Up Consumer Finance 27.4 Others 25.1 Agricultural 16.3 Power 6.7 Metals 2.2 Iron & Steel 1.7 Roads & Bridge 1.6 Textiles 1.4 Food Processing 1.4 Infrastructure 1.1 Chemicals 0.9 Engineering 0.8 Telecom 0.7 Petrochemicals 0.6 Trade 0 MSME 0 LC & Other 0 Retail 0 Services 0 Industry 0 Others 12.1	Loan Break-Up Textiles 0 Food Processing 0 Agricultural 0 MSME 15.02 Industry 0 Petrochemicals 0 Power 0 Retail 23.46 Consumer Finance 0 Trade 0 Roads & Bridge 0 Chemicals 0 LC & Other 40.02 Others 0 Engineering 0 Services 0 Iron & Steel 0 Infrastructure 0 Telecom 0 Metals 0 Others 21.5	-
Location Wise Break-Up	Location Wise Break-Up India 87.78 Rest of the World 12.22	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 4.55 India 95.45
Operating Profit Break-Up	Operating Profit Break-Up Corporate & Wholesale Banking 56.15 Retail Banking 36.66 Treasury 7.19	Operating Profit Break-Up Treasury 15.05 Wholesale Banking 33.27 Retail Banking 39.53 Others 12.15	-
Customer Segment	Customer Segment Corporate 39.0 Retail 30.6 Agricultural 16.3 MSME Sector 14.1	-	-
NPA Break-Up	NPA Break-Up MSME Sector 35.9 Agricultural 32.03 Retail 20.13 International 11.46 Others 0.36 Corporate 0.13 Medium & Large 0 Micro & Small (MSE) 0 Retail Loans 0 Agri 0 Education 0 Car/Vehicle Loans 0 Housing 0 Corporates 0	NPA Break-Up Corporates 0 Micro, Small and Medium Enterprises 22.57 Housing 0 Medium & Large 15.85 MSME Sector 0 Retail 0 Car/Vehicle Loans 0 Agri 0 Agricultural 0 Education 0 Corporate 0 Consumer Finance 8.27 International 0 Others 0 Others 53.31	NPA Break-Up Corporate Banking 1.19 Micro & Small (MSE) 0 Housing 0 Medium & Large 0 MSME Sector 0 Retail 0 Car/Vehicle Loans 0 Agricultural Loan 48.84 Agricultural 0 Education 0 Corporate 0 Consumer Finance 5.55 International 0 Others 0 Others 44.42
Asset Break-Up	Asset Break-Up India 81.49 Others 18.51	Asset Break-Up India 0 Others 100	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 54.73 Liquid/ Money Market 35.1 Debt 5.41 Balanced schemes 2.24 Gilt 1.82 ETF 0.64 FMP 0 Equity 0 Others 0.06	AUM Break-Up - Asset Management Debt 6.67 ETF 0 Gilt 0 Balanced schemes 0 Liquid/ Money Market 33.11 Equity 58.61 FMP 0 Others 1.61	-
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 Non-Priority Sector 0 Priority Sector 34.35 Non Priority Sector 65.65	Priority vs Non-Priority Sector Non Priority Sector 70.37 Priority Sector 29.63 Non Priority Sector 0

Bank Of Baroda

Bank Of Baroda

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