Union Bank Of India benchmarking: Performance to industry peers

Financial

	Union Bank Of India	PNB	Bank Of Baroda
Operational Metrics
Asset Management
% of AUM in equity fund	56.54 %	n/a	56.7 %
5 Yr AUM CAGR - Mutual Funds	37.73 %	n/a	39.67 %
AUM - Mutual Funds	29098.26 Crs	n/a	54314.02 Crs
Banks
CASA Ratio	35.21 %	37.0 %	38.9 %
CASA vs Liabilities	29.7 %	31.88 %	31.02 %
Credit Deposit Ratio	75.05 %	73.6 %	85.95 %
Fresh Slippages - Quarterly	2023.0 Crs	2758.0 Crs	2944.0 Crs
Capital to Risks Assets Ratio (CRAR)	18.1 %	17.74 %	15.82 %
Tier I Capital	15.69 %	15.15 %	13.64 %
Tier 2 Capital	1.47 %	2.59 %	2.18 %
Cost To Income Ratio	46.31 %	48.42 %	44.9 %
Net Interest Margin	2.64 %	2.47 %	2.89 %
Yield On Advances	7.98 %	7.51 %	7.44 %
Gross NPA	2.82 %	2.95 %	1.89 %
Net NPA	0.48 %	0.29 %	0.45 %
NBFC
Cost of Borrowing	4.37 %	4.44 %	4.78 %
Financials
5 yr Average ROE	14.28 %	8.86 %	13.6 %
5yr average Equity Multiplier	14.55	14.05	13.66
5yr Average Asset Turnover Ratio	0.08	0.07	0.08
5yr Avg Net Profit Margin	11.22 %	8.13 %	12.37 %
5yr Avg Net Profit Margin	11.22 %	8.13 %	12.37 %
5yr CAGR Net Profit	29.84 %	36.65 %	20.38 %
5yr CAGR Sales	9.45 %	11.09 %	12.31 %
5 yr CAGR PPOP	5.6 %	7.05 %	8.48 %
Price to Book	1.0	0.83	0.87
P/E	6.87	6.74	7.28
Shareholdings
Promoter Holding	74.76 %	70.08 %	63.97 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-8.73 %	-3.07 %	0.0
Change in Mutual Fund Holding (3 Yrs)	1.79 %	1.62 %	0.35 %

Business

	Union Bank Of India	PNB	Bank Of Baroda
Loan Break-Up	Loan Break-Up LC & Other 40.02 Retail 23.46 Agricultural 17.0 MSME 15.02 Services 0 Industry 0 Basic Metals & Metal Industry 0 Iron & Steel 0 Textiles 0 Petroleum & Petrochemicals 0 All Engineering 0 Food Processing 0 Chemicals and Chemical products 0 Trade 0 Other Industries / Sectors 0 Retail Loans 0 Power 0 Roads & Ports 0 Telecom 0 Other Infrastructure 0 Others 4.5	-	Loan Break-Up Services 0 Others 25.1 Trade 0 Roads & Bridge 1.6 Metals 2.2 Textiles 1.4 Industry 0 Retail 0 Chemicals 0.9 Iron & Steel 1.7 Infrastructure 1.1 Petrochemicals 0.6 MSME 0 Consumer Finance 27.4 Food Processing 1.4 Power 6.7 Telecom 0.7 LC & Other 0 Agricultural 0 Engineering 0.8 Others 28.4
Segment Break-Up	Segment Break-Up Consumer Finance 37.57 Corporate Banking 35.95 Treasury Operations 20.79 Retail Banking 0 Corporate/Wholesale Banking 0 Treasury 0 Others 5.69	Segment Break-Up Corporate Banking 0 Treasury Operations 28.22 Consumer Finance 0 Consumer Finance 28.39 Treasury Operations 0 Corporate Banking 41.86 Others 1.53	Segment Break-Up Corporate Banking 0 Treasury Operations 19.04 Consumer Finance 0 Consumer Finance 41.87 Treasury Operations 0 Corporate Banking 34.14 Others 4.95
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 95.45 Rest of the World 4.55	Location Wise Break-Up India 87.78 Rest of the World 12.22
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 39.53 Wholesale Banking 33.27 Treasury 15.05 Others 12.15	-	Operating Profit Break-Up Wholesale Banking 0 Retail Banking 36.66 Treasury 7.19 Others 56.15
Borrowings Break-Up	Borrowings Break-Up Borrowings outside India 40.63 Perpetual Bonds 10.34 Tier 2 Bonds 9.0 Reserve Bank of India 5.18 Upper Tier 2 Bonds 0 Long Term Infrastructure Bonds 0 0 0 Others 34.85	Borrowings Break-Up Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 Reserve Bank of India 34.23 Bonds 23.88 Borrowings outside India 0 Reserve Bank of India 0 Long Term Infrastructure Bonds 3.52 Others 38.37	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 65.65 Priority Sector 34.35 Non-Priority Sector 0 Non Priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Priority sector 0 Non Priority Sector 70.37 Non Priority sector 0 Priority Sector 29.63 Non Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 27.25 Non-Priority Sector 0 Non Priority Sector 72.75 Priority Sector 0 Non Priority Sector 0
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 58.61 Liquid/ Money Market 33.11 Debt 6.67 Balanced schemes 0 ETF 0 EQUITY 0 FMP 0 Gilt 0 Others 1.61	-	AUM Break-Up - Asset Management FMP 0 Gilt 1.82 Liquid/ Money Market 35.1 Equity 0 Equity 54.73 ETF 0.64 Balanced schemes 2.24 Debt 5.41 Others 0.06
NPA Break-Up	NPA Break-Up Agricultural 45.92 Micro, Small and Medium Enterprises 22.57 Medium & Large 15.85 Consumer Finance 8.27 Agri 0 Education 0 Car/Vehicle Loans 0 Housing 0 Corporates 0 MSME 0 International 0 Others 0 Retail 0 Corporate 0 Others 7.39	NPA Break-Up International 0 Corporate 0 Micro, Small and Medium Enterprises 0 Consumer Finance 0 Education 0 Housing 0 Others 0 Retail 0 Car/Vehicle Loans 0 Agricultural 0 Small & Medium Enterprises (SME) loans 44.43 Corporate Banking 1.19 Medium & Large 0 Agricultural Loan 48.84 Others 5.54	NPA Break-Up International 11.46 Corporate 0.13 Micro, Small and Medium Enterprises 0 Consumer Finance 0 Education 0 Housing 0 Others 0.36 Retail 20.13 Car/Vehicle Loans 0 Agricultural 0 MSME Sector 35.9 Corporates 0 Medium & Large 0 Agri 0 Others 32.02
Asset Break-Up	Asset Break-Up India 0 Others 100	-	Asset Break-Up India 81.49 Others 18.51

Union Bank Of India

Union Bank Of India

Financial

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