Central Bank Of India benchmarking: Perfomance to industry peers

Financial

	CentralBank of India	UCO Bank	Punjab & Sind Bank
Operational Metrics
Banks
Net Interest Margin	2.96 %	3.08 %	2.59 %
Yield On Advances	8.15 %	8.06 %	8.39 %
Gross NPA	2.7 %	2.41 %	2.6 %
Net NPA	0.45 %	0.36 %	0.74 %
CASA Ratio	47.13 %	38.41 %	31.02 %
CASA vs Liabilities	39.92 %	31.46 %	25.29 %
Credit Deposit Ratio	70.18 %	78.56 %	79.24 %
Cost To Income Ratio	57.84 %	52.2 %	60.21 %
Fresh Slippages - Quarterly	658.0 Crs	452.0 Crs	168.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.13 %	17.43 %	16.83 %
Tier 2 Capital	2.26 %	2.02 %	1.55 %
Tier I Capital	13.87 %	15.41 %	15.28 %
NBFC
Cost of Borrowing	4.77 %	4.48 %	5.58 %
Financials
5 yr Average ROE	5.77 %	6.17 %	-2.73 %
5yr average Equity Multiplier	13.76	11.6	10.5
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	4.67 %	5.97 %	1.23 %
5yr Avg Net Profit Margin	4.67 %	5.97 %	1.23 %
5yr CAGR Net Profit	n/a	76.11 %	n/a
5yr CAGR Sales	8.87 %	10.52 %	10.62 %
5 yr CAGR PPOP	12.19 %	7.79 %	21.86 %
Price to Book	0.83	1.15	1.37
P/E	6.74	14.35	15.74
Shareholdings
Promoter Holding	89.27 %	90.95 %	93.85 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.81 %	-4.44 %	-4.4 %
Change in Mutual Fund Holding (3 Yrs)	0.1 %	0.12 %	0.06 %

Business

	CentralBank of India	UCO Bank	Punjab & Sind Bank
Loan Break-Up	Loan Break-Up Corporate Banking 31.02 Consumer Finance 29.87 Small & Medium Enterprises (SME) loans 20.81 Agricultural Loan 18.29 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Personal loans 0 Advances to industries sector 0 Agriculture and allied 0 Others 0.01	Loan Break-Up Corporate Banking 0 Agricultural Loan 0 Personal loans 0 Consumer Finance 0 Agriculture and allied 0 Personal Loan 52.23 Services 18.51 Advances to industries sector 0 Priority Sector 1.33 Agricultural 15.13 Industrial & Commercial 12.8 Small & Medium Enterprises (SME) loans 0	Loan Break-Up Corporate Banking 0 Agricultural Loan 0 Personal Loan 22.42 Consumer Finance 0 Agricultural 14.53 Personal Loans 0 Services 0 Advances to industries 20.5 0 Agriculture and allied activities 0 Industry 0 Small & Medium Enterprises (SME) loans 0 Others 42.55
Segment Break-Up	Segment Break-Up Consumer Finance 44.65 Treasury Operations 30.98 Corporate Banking 24.35 Others 0.02	Segment Break-Up Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Others 100	Segment Break-Up Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Others 100
Loan Break-Up	Loan Break-Up Corporate Banking 31.02 Consumer Finance 29.87 Small & Medium Enterprises (SME) loans 20.81 Agricultural Loan 18.29 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Personal loans 0 Advances to industries sector 0 Agriculture and allied 0 Others 0.01	Loan Break-Up Corporate Banking 0 Agricultural Loan 0 Personal loans 0 Consumer Finance 0 Agriculture and allied 0 Personal Loan 52.23 Services 18.51 Advances to industries sector 0 Priority Sector 1.33 Agricultural 15.13 Industrial & Commercial 12.8 Small & Medium Enterprises (SME) loans 0	Loan Break-Up Corporate Banking 0 Agricultural Loan 0 Personal Loan 22.42 Consumer Finance 0 Agricultural 14.53 Personal Loans 0 Services 0 Advances to industries 20.5 0 Agriculture and allied activities 0 Industry 0 Small & Medium Enterprises (SME) loans 0 Others 42.55
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 5.64 India 94.31 Others 0.05	Location Wise Break-Up Rest of the World 0 India 100.0
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 40.75 Unsecured Redeemable NC Basel III 9.17 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 Unsecured Redeemable Bonds 0 Borrowings outside India 0 Subordinated Debt 0 Bonds 0 Institutions & Agencies 0 Reserve Bank Of India 0 Others 50.08	Borrowings Break-Up Unsecured Redeemable Bonds 0 Innovative Perpetual Debt Instrument 0 Reserve Bank of India 17.43 Subordinated Debt 0 Upper Tier II Bonds 0 Bonds 0 Borrowings outside India 1.04 Unsecured Redeemable NC Basel III 0 Reserve Bank Of India 0 Institutions & Agencies 0 Others 81.53	Borrowings Break-Up Unsecured Redeemable Bonds 0 Innovative Perpetual Debt Instrument 0 Reserve Bank of India 0 Subordinated Debt 8.7 Upper Tier II Bonds 0 Bonds 21.08 Borrowings outside India 0 Unsecured Redeemable NC Basel III 0 Reserve Bank of India 16.51 Institutional Business 53.71
Profit Before Tax	Profit Before Tax Retail Banking Operations 51.96 Treasury Operations 25.69 Wholesale Banking Operations 22.34 Others 0.01	-	-
NPA Break-Up	NPA Break-Up MSME Sector 39.32 Agricultural 38.78 Retail 11.09 Corporate 10.81 Others 0 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Advances to industries sector 0 Agriculture and allied 0	NPA Break-Up Retail 0 Agriculture and allied 0 Agricultural 0 Personal Loan 8.4 Corporate 0 MSME Sector 0 Others 0 Services 35.31 Advances to industries sector 0 Priority Sector 0.88 Agricultural 55.33 Industrial & Commercial 0.08	NPA Break-Up Retail 11.6 Agricultural 41.87 Agricultural 0 Personal Loans 0 Corporate 0 MSME Sector 0 Others 0 Services 7.14 Advances to industries 39.39 0 Agriculture and allied activities 0 Industry 0
Digital Transactions Break-Up	Digital Transactions Break-Up UPI 87.15 RTGS/NEFT 4.43 IMPS 2.81 AEPS 0.71 Mobile Banking 0.36 Debit card 0.3 Internet Banking 0.3 ATM 0 Others 3.94	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 53.59 Priority Sector 46.41 Non Priority Sector Advance 0 Priority Sector Advance 0 Non Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Non Priority Sector 0 Non Priority Sector 56.13 Priority Sector 0 Priority Sector 43.87	Priority vs Non-Priority Sector Non Priority Sector 53.01 Non Priority Sector 0 Non Priority Sector Advance 0 Priority Sector 36.95 Priority Sector Advance 0 Others 10.04
Asset Break-Up	Asset Break-Up Treasury 39.25 Retail Banking 37.65 Corporate / Wholesale Banking 0 Others 23.1	Asset Break-Up Retail Banking 0 Treasury 0 Corporate / Wholesale Banking 0 Others 100	Asset Break-Up Retail Banking 39.74 Treasury 29.19 Corporate / Wholesale Banking 29.43 Others 1.64

Central Bank Of India

Central Bank Of India

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