Canara Bank benchmarking: Perfomance to industry peers

Financial

	Canara Bank	PNB	Bank Of Baroda
Operational Metrics
Banks
CASA Ratio	30.69 %	37.29 %	38.42 %
CASA vs Liabilities	25.88 %	32.13 %	30.62 %
Fresh Slippages - Quarterly	2031.0 Crs	1955.0 Crs	2669.0 Crs
Cost To Income Ratio	46.97 %	51.2 %	51.02 %
Credit Deposit Ratio	75.33 %	70.11 %	84.39 %
Capital to Risks Assets Ratio (CRAR)	16.2 %	17.19 %	16.54 %
Tier I Capital	14.28 %	12.75 %	14.15 %
Tier 2 Capital	1.92 %	1.66 %	2.39 %
Net Interest Margin	2.52 %	2.6 %	2.96 %
Yield On Advances	8.4 %	7.9 %	7.81 %
Gross NPA	2.35 %	3.45 %	2.16 %
Net NPA	0.54 %	0.36 %	0.57 %
Life Insurance
New Business Performance - Life Insurance	314.03 Crs	513.25 Crs	n/a
NBFC
Cost of Borrowing	5.21 %	4.58 %	4.91 %
Financials
5 yr Average ROE	14.15 %	6.87 %	11.48 %
5yr average Equity Multiplier	17.53	14.1	14.05
5yr Average Asset Turnover Ratio	0.08	0.07	0.08
5yr Avg Net Profit Margin	8.44 %	6.21 %	10.18 %
5yr Avg Net Profit Margin	8.44 %	6.21 %	10.18 %
5yr CAGR Net Profit	43.42 %	48.47 %	68.01 %
5yr CAGR Sales	10.34 %	8.32 %	11.29 %
5 yr CAGR PPOP	9.85 %	3.55 %	10.27 %
Price to Book	1.17	0.98	0.95
P/E	7.78	8.21	7.87
Shareholdings
Promoter Holding	62.93 %	70.08 %	63.97 %
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)	1.96 %	1.96 %	-1.51 %

Business

	Canara Bank	PNB	Bank Of Baroda
Segment Break-Up	Segment Break-Up Consumer Finance 42.02 Corporate Banking 30.98 Treasury Operations 21.24 Life Insurance Operation 0 Retail Banking 0 Corporate/Wholesale Banking 0 Treasury 0 Others 5.76	Segment Break-Up Consumer Finance 0 Consumer Finance 29.82 Corporate Banking 0 Life Insurance Operation 0 Treasury Operations 0 Treasury Operations 31.57 Corporate Banking 33.98 Others 4.63	Segment Break-Up Consumer Finance 0 Consumer Finance 38.08 Corporate Banking 0 Life Insurance Operation 0 Treasury Operations 0 Treasury Operations 25.3 Corporate Banking 30.95 Others 5.67
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 3.77 India 96.23	Location Wise Break-Up Rest of the World 12.29 India 87.71
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 Long Term Infrastructure Bonds 0 0 0	Borrowings Break-Up Bonds 23.88 Long Term Infrastructure Bonds 3.52 RESERVE BANK OF INDIA 0 Borrowings outside India 13.08 UNSECURED REDEEMABLE BONDS 0 Reserve Bank of India 34.23 Other banks - India 0 Other Institutions & Agencies 0 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 Treasury 36.07 Retail Banking 26.69 Corporate & Wholesale Banking 32.45 Wholesale Banking 0 Life Insurance 0 Others 4.79	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 60.61 Priority Sector 39.39 Non Priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Priority Sector 29.63 Non Priority sector 0 Priority sector 0 Non Priority Sector 0 Others 70.37	Priority vs Non-Priority Sector Priority Sector 0 Non Priority Sector 72.75 Priority Sector 27.25 Non Priority Sector 0
NPA Break-Up	NPA Break-Up Corporate 36.43 MSME Sector 29.53 Agricultural 27.68 Retail 6.35 Agri 0 Education 0 Car/Vehicle Loans 0 Housing 0 Retail Loans 0 Corporates 0 International 0 Others 0 Agriculture 0 Corporate 0 Others 0.01	NPA Break-Up Consumer Finance 6.77 Corporate Banking 0.78 Agriculture 0 Education 0 Corporate 0 Agricultural 0 Car/Vehicle Loans 0 Others 0 Retail 0 MSME Sector 0 Agricultural Loan 46.96 International 0 Housing 0 Others 45.49	NPA Break-Up Retail Loans 0 Corporates 0 Agricultural 29.63 Education 0 Corporate 0 Agricultural 0 Car/Vehicle Loans 0 Others 0.37 Retail 19.93 MSME Sector 0 Agri 0 International 13.04 Housing 0 Others 37.03
Asset Break-Up	Asset Break-Up India 91.28 Others 8.72	-	Asset Break-Up India 82.08 Others 17.92

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