Canara Bank benchmarking: Perfomance to industry peers

Financial

	Canara Bank	Union Bank Of India	PNB
Operational Metrics
Banks
CASA Ratio	29.52 %	33.96 %	37.1 %
CASA vs Liabilities	24.58 %	27.74 %	31.91 %
Fresh Slippages - Quarterly	1857.0 Crs	1660.0 Crs	1901.0 Crs
Cost To Income Ratio	46.83 %	49.95 %	51.91 %
Credit Deposit Ratio	78.38 %	81.15 %	72.05 %
Capital to Risks Assets Ratio (CRAR)	16.5 %	16.49 %	16.77 %
Tier I Capital	14.6 %	13.94 %	14.13 %
Tier 2 Capital	1.9 %	1.43 %	2.64 %
Net Interest Margin	2.5 %	2.76 %	2.52 %
Yield On Advances	8.34 %	8.27 %	7.69 %
Gross NPA	2.08 %	3.06 %	3.19 %
Net NPA	0.45 %	0.51 %	0.32 %
Life Insurance
New Business Performance - Life Insurance	225.72 Crs	n/a	453.16 Crs
NBFC
Cost of Borrowing	5.18 %	4.6 %	4.5 %
Financials
5 yr Average ROE	14.15 %	12.29 %	6.87 %
5yr average Equity Multiplier	17.53	15.51	14.1
5yr Average Asset Turnover Ratio	0.08	0.08	0.07
5yr Avg Net Profit Margin	8.44 %	8.83 %	6.21 %
5yr Avg Net Profit Margin	8.44 %	8.83 %	6.21 %
5yr CAGR Net Profit	43.42 %	44.48 %	48.47 %
5yr CAGR Sales	10.34 %	9.22 %	8.32 %
5 yr CAGR PPOP	9.85 %	9.57 %	3.55 %
Price to Book	1.13	0.99	0.94
P/E	7.23	6.87	7.88
Shareholdings
Promoter Holding	62.93 %	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)	-0.4 %	1.6 %	2.16 %

Business

	Canara Bank	Union Bank Of India	PNB
Segment Break-Up	Segment Break-Up Consumer Finance 42.02 Corporate Banking 30.98 Treasury Operations 21.24 Life Insurance Operation 0 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Retail Banking 0 Corporate/Wholesale Banking 0 Treasury 0 Others 5.76	Segment Break-Up Treasury Operations 23.27 Life Insurance Operation 0 Retail Banking 0 Treasury 0 Consumer Finance 37.76 Corporate Banking 0 Consumer Finance 0 Corporate/Wholesale Banking 0 Treasury Operations 0 Corporate Banking 32.52 Others 6.45	Segment Break-Up Treasure operations 0 Life Insurance Operation 0 Consumer Finance 30.1 Treasury Operations 28.8 Retail banking Operations 0 Corporate Banking 0 Consumer Finance 0 Corporate Banking 38.42 Treasury Operations 0 Cooperate/Wholesale Banking 0 Others 2.68
Location Wise Break-Up	Location Wise Break-Up India 95.74 Rest of the World 4.26	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
Borrowings Break-Up	Borrowings Break-Up UNSECURED REDEEMABLE BONDS 74.79 Other Institutions & Agencies 24.21 Other banks - India 1.0 RESERVE BANK OF INDIA 0 Borrowings Outside India 0 Reserve Bank of India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 Long Term Infrastructure Bonds 0 0 0	Borrowings Break-Up Reserve Bank of India 0 Upper Tier 2 Bonds 0 Borrowings outside India 13.35 RESERVE BANK OF INDIA 0 Other banks - India 0 Tier 2 Bonds 28.92 Other Institutions & Agencies 0 Perpetual Bonds 35.24 0 UNSECURED REDEEMABLE BONDS 0 0 Long Term Infrastructure Bonds 0 Others 22.49	Borrowings Break-Up Reserve Bank of India 0 Upper Tier 2 Bonds 0 Borrowings outside India 13.08 RESERVE BANK OF INDIA 0 Other banks - India 0 Tier 2 Bonds 0 Other Institutions & Agencies 0 Perpetual Bonds 0 Reserve Bank of India 34.23 UNSECURED REDEEMABLE BONDS 0 Bonds 23.88 Long Term Infrastructure Bonds 3.52 Others 25.29
Profit Before Tax	Profit Before Tax Treasury 51.32 Retail Banking 48.08 Life Insurance 0 Wholesale Banking 0 Corporate & Wholesale Banking 0 Others 0.6	-	Profit Before Tax Retail Banking 25.31 Life Insurance 0 Treasury 38.06 Wholesale Banking 0 Corporate & Wholesale Banking 33.41 Others 3.22
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 60.61 Priority Sector 39.39 Non Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 34.23 Non Priority Sector 65.77	Priority vs Non-Priority Sector Priority Sector 29.63 Non Priority Sector 0 Others 70.37
NPA Break-Up	NPA Break-Up Corporate 36.43 MSME Sector 29.53 Agricultural 27.68 Retail 6.35 Medium & Large 0 Micro & Small (MSE) 0 Agriculture 0 Retail Loans 0 Agri 0 Education 0 Car/Vehicle Loans 0 Housing 0 Corporates 0 Others 0.01	NPA Break-Up Car/Vehicle Loans 0 Agricultural 0 Micro, Small and Medium Enterprises 21.29 Consumer Finance 8.58 Agricultural 45.51 Corporates 0 Corporate 0 Housing 0 Medium & Large 16.24 MSME Sector 0 Retail 0 Education 0 Agri 0 Others 8.38	NPA Break-Up Car/Vehicle Loans 0 Agricultural 0 Micro & Small (MSE) 0 Consumer Finance 7.11 Agriculture 0 Corporate Banking 0.69 Corporate 0 Housing 0 Medium & Large 0 MSME Sector 0 Retail 0 Education 0 Agricultural Loan 47.38 Others 44.82
Asset Break-Up	Asset Break-Up India 91.28 Others 8.72	Asset Break-Up India 0 Others 100	-

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