Union Bank Of India benchmarking: Perfomance to industry peers

Financial

	Union Bank Of India	Canara Bank	PNB
Operational Metrics
Asset Management
AUM - Mutual Funds	26606.49 Crs	n/a	n/a
% of AUM in equity fund	59.84 %	n/a	n/a
5 Yr AUM CAGR - Mutual Funds	40.76 %	n/a	n/a
Banks
Capital to Risks Assets Ratio (CRAR)	16.49 %	16.5 %	16.77 %
Tier I Capital	13.94 %	14.6 %	14.13 %
Tier 2 Capital	1.43 %	1.9 %	2.64 %
Fresh Slippages - Quarterly	1660.0 Crs	1857.0 Crs	1901.0 Crs
Cost To Income Ratio	49.95 %	46.83 %	51.91 %
Credit Deposit Ratio	81.15 %	78.38 %	72.05 %
Net Interest Margin	2.76 %	2.5 %	2.52 %
Yield On Advances	8.27 %	8.34 %	7.69 %
Gross NPA	3.06 %	2.08 %	3.19 %
Net NPA	0.51 %	0.45 %	0.32 %
CASA Ratio	33.96 %	29.52 %	37.1 %
CASA vs Liabilities	27.74 %	24.58 %	31.91 %
NBFC
Cost of Borrowing	4.6 %	5.18 %	4.5 %
Financials
5 yr Average ROE	12.29 %	14.15 %	6.87 %
5yr average Equity Multiplier	15.51	17.53	14.1
5yr Average Asset Turnover Ratio	0.08	0.08	0.07
5yr Avg Net Profit Margin	8.83 %	8.44 %	6.21 %
5yr Avg Net Profit Margin	8.83 %	8.44 %	6.21 %
5yr CAGR Net Profit	44.48 %	43.42 %	48.47 %
5yr CAGR Sales	9.22 %	10.34 %	8.32 %
5 yr CAGR PPOP	9.57 %	9.85 %	3.55 %
Price to Book	0.99	1.13	0.94
P/E	6.87	7.23	7.88
Shareholdings
Promoter Holding	74.76 %	62.93 %	70.08 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-8.73 %	0.0	-3.07 %
Change in Mutual Fund Holding (3 Yrs)	1.6 %	-0.4 %	2.16 %

Business

	Union Bank Of India	Canara Bank	PNB
Loan Break-Up	Loan Break-Up LC & Other 38.84 Retail 24.15 Agricultural 17.24 MSME 15.36 Services 0 Industry 0 Others 4.41	-	-
Segment Break-Up	Segment Break-Up Consumer Finance 37.76 Corporate Banking 32.52 Treasury Operations 23.27 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Retail Banking 0 Corporate/Wholesale Banking 0 Treasury 0 Others 6.45	Segment Break-Up Life Insurance Operation 0 Consumer Finance 0 Retail Banking 0 Treasury Operations 21.24 Corporate Banking 0 Corporate Banking 30.98 Corporate/Wholesale Banking 0 Consumer Finance 42.02 Treasury 0 Others 5.76	Segment Break-Up Life Insurance Operation 0 Consumer Finance 0 Consumer Finance 30.1 Treasury Operations 0 Corporate Banking 0 Wholesale Banking Operations 0 Corporate Banking 38.42 Retail Banking Operations 0 Treasury Operations 28.8 Others 2.68
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 95.74 Rest of the World 4.26	Location Wise Break-Up India 96.54 Rest of the World 3.46
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 36.92 Wholesale Banking 27.81 Treasury 23.23 Others 12.04	-	-
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 Long Term Infrastructure Bonds 0 0 0 Others 22.49	Borrowings Break-Up 0 Upper Tier 2 Bonds 0 Other Institutions & Agencies 24.21 Perpetual Bonds 0 Borrowings outside India 0 Tier 2 Bonds 0 UNSECURED REDEEMABLE BONDS 74.79 Other banks - India 1.0 RESERVE BANK OF INDIA 0 Reserve Bank of India 0 Long Term Infrastructure Bonds 0 0	Borrowings Break-Up Reserve Bank of India 34.23 Upper Tier 2 Bonds 0 OTHER INSTITUTIONS AND AGENCIES 0 Perpetual Bonds 0 Borrowings outside India 0 Tier 2 Bonds 0 UNSECURED REDEEMABLE BONDS 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Reserve Bank of India 0 Long Term Infrastructure Bonds 3.52 Bonds 23.88 Others 38.37
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 Non Priority Sector 60.61 Non Priority Sector 0 Priority Sector 39.39	Priority vs Non-Priority Sector Non Priority Sector 70.37 Non Priority Sector 0 Priority Sector 29.63
Asset Break-Up	Asset Break-Up India 0 Others 100	Asset Break-Up India 91.28 Others 8.72	-
NPA Break-Up	NPA Break-Up Agricultural 45.51 Micro, Small and Medium Enterprises 21.29 Medium & Large 16.24 Consumer Finance 8.58 Corporate & Others 0 MSME 0 Agriculture & Allied 0 Retail 0 Agri 0 Education 0 Car/Vehicle Loans 0 Housing 0 Corporates 0 Others 8.38	NPA Break-Up Medium & Large 0 Consumer Finance 0 Agricultural 0 Agri 0 Car/Vehicle Loans 0 MSME Sector 29.53 Housing 0 Education 0 Micro, Small and Medium Enterprises 0 Retail 6.35 Corporates 0 Corporate 36.43 Agricultural 27.68 Others 0.01	NPA Break-Up Medium & Large 0 Consumer Finance 0 Agricultural 0 Agricultural Loan 47.38 Car/Vehicle Loans 0 Small & Medium Enterprises (SME) loans 44.82 Housing 0 Education 0 Micro, Small and Medium Enterprises 0 Retail 0 Corporate Banking 0.69 Corporate & Others 0 Agriculture & Allied 0 Others 7.11
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 60.81 Liquid/ Money Market 29.69 Debt 8.21 Balanced schemes 0 ETF 0 Others 1.29	-	-

Union Bank Of India

Union Bank Of India

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