Union Bank Of India

Financial

	Union Bank Of India	Canara Bank	IDBI
Operational Metrics
Asset Management Sector
AUM - Mutual Funds	22687.47 Crs	119056.47 Crs	3767.27 Crs
% of AUM in equity fund	67.84 %	79.12 %	67.98 %
5 Yr AUM CAGR - Mutual Funds	40.76 %	43.17 %	-19.47 %
Banking Sector
Capital to Risks Assets Ratio (CRAR)	18.3 %	16.52 %	25.39 %
Tier I Capital	16.58 %	14.58 %	23.71 %
Tier 2 Capital	1.72 %	1.94 %	1.68 %
Fresh Slippages - Quarterly	2199.0 Crs	2129.0 Crs	504.0 Crs
Cost To Income Ratio	49.19 %	46.77 %	48.86 %
Credit Deposit Ratio	76.4 %	74.7 %	71.38 %
Net Interest Margin	2.76 %	2.55 %	3.68 %
Yield On Advances	8.5 %	8.47 %	9.11 %
Gross NPA	3.52 %	2.69 %	2.93 %
Net NPA	0.62 %	0.63 %	0.21 %
CASA Ratio	32.52 %	29.56 %	44.65 %
CASA vs Liabilities	26.98 %	24.41 %	32.88 %
NBFC
Cost of Borrowing	4.89 %	5.27 %	4.98 %
Financials
5 yr Average ROE	12.29 %	14.15 %	10.61 %
5yr average Equity Multiplier	15.51	17.53	7.21
5yr Average Asset Turnover Ratio	0.08	0.08	0.08
5yr Avg Net Profit Margin	8.83 %	8.44 %	14.64 %
5yr Avg Net Profit Margin	8.83 %	8.44 %	14.64 %
5yr CAGR Net Profit	44.48 %	43.42 %	38.19 %
5yr CAGR Sales	9.22 %	10.34 %	6.6 %
5 yr CAGR PPOP	9.57 %	9.85 %	9.31 %
Price to Book	0.84	0.91	1.47
P/E	5.47	5.95	11.86
Shareholdings
Promoter Holding	74.76 %	62.93 %	94.71 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-8.74 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	2.72 %	0.77 %	0.04 %

Business

	Union Bank Of India	Canara Bank	IDBI
Segment Break-Up	Segment Break-Up Consumer Finance 36.46 Corporate Banking 34.12 Treasury Operations 26.63 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Treasury 0 Retail banking 0 Corporate/Wholesale banking 0 Others 2.79	Segment Break-Up Corporate/Wholesale banking 0 Corporate Banking 29.99 Corporate Banking 0 Retail banking 0 Consumer Finance 0 Life Insurance Business 8.85 Consumer Finance 41.97 Treasury 0 Treasury Operations 19.19	Segment Break-Up Corporate Banking 14.92 Wholesale Banking Operations 0 Corporate Banking 0 Consumer Finance 57.46 Consumer Finance 0 Life Insurance Operation 0 Retail Banking Operations 0 Treasury Operations 27.06 Treasury Operations 0 Others 0.56
Loan Break-Up	Loan Break-Up LC & Other 44.06 Retail 23.5 Agricultural 17.61 MSME 14.82 Services 0 Industry 0 Personal Loans 0 Others 0.01	-	Loan Break-Up Retail 0 Agricultural 0 LC & Other 0 Industrial & Commercial 20.93 Personal Loan 44.18 MSME 0 Services 23.75 Others 11.14
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 95.67 Rest of the World 4.33	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 44.2 Treasury 32.69 Wholesale Banking 19.24 Others 3.87	-	-
Borrowings Break-Up	Borrowings Break-Up Perpetual Bonds 35.24 Tier 2 Bonds 28.92 Borrowings outside India 13.35 Reserve Bank of India 0 Upper Tier 2 Bonds 0 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Borrowings outside India 0 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 Others 22.49	Borrowings Break-Up Perpetual Bonds 0 Tier 2 Bonds 0 Other Institutions & Agencies 24.21 Borrowings outside India 0 Upper Tier II Bonds 0 Reserve Bank of India 0 Other banks - India 1.0 RESERVE BANK OF INDIA 0 0 Upper Tier 2 Bonds 0 0 Basel III Omni Tier 2 Bond 0 UNSECURED REDEEMABLE BONDS 74.79	Borrowings Break-Up Perpetual Bonds 0 Tier 2 Bonds 0 OTHER INSTITUTIONS AND AGENCIES 0 Borrowings outside India 38.99 Upper Tier II Bonds 0 Reserve Bank of India 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.52 Upper Tier 2 Bonds 0 0 Basel III Omni Tier 2 Bond 9.53 UNSECURED REDEEMABLE BONDS 0 Others 49.96
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 65.77 Priority Sector 34.23 Non-Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 39.39 Non Priority Sector 60.61 Non Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 29.63 Non-Priority Sector 0 Non Priority Sector 70.37
Asset Break-Up	Asset Break-Up India 0 Others 100	Asset Break-Up India 91.33 Others 8.67	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 71.11 Liquid/ Money Market 22.06 Debt 5.42 Balanced schemes 0 ETF 0 EQUITY 0 FMP 0 Gilt 0 Others 1.41	AUM Break-Up - Asset Management Balanced schemes 11.56 ETF 0 Equity 0 Equity 79.59 Liquid/ Money Market 5.34 Gilt 0 Debt 3.38 FMP 0 Others 0.13	AUM Break-Up - Asset Management Balanced schemes 4.95 ETF 2.84 Equity 0 Equity 67.98 Liquid/ Money Market 17.85 Gilt 0 Debt 5.2 FMP 0 Others 1.18
NPA Break-Up	NPA Break-Up Agricultural 42.12 Medium & Large 31.46 Micro, Small and Medium Enterprises 18.5 Consumer Finance 7.92 Corporate & Others 0 MSME 0 Agriculture & Allied 0 Retail 0	NPA Break-Up Medium & Large 0 Retail 6.14 Agricultural 0 Micro, Small and Medium Enterprises 0 Corporate 40.18 Consumer Finance 0 MSME Sector 26.55 Agricultural 27.14	-

Union Bank Of India

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