Union Bank Of India benchmarking: Performance to industry peers

Financial

	Union Bank Of India	PNB	Canara Bank
Operational Metrics
Asset Management
% of AUM in equity fund	57.66 %	n/a	n/a
5 Yr AUM CAGR - Mutual Funds	37.73 %	n/a	n/a
AUM - Mutual Funds	26516.94 Crs	n/a	n/a
Banks
CASA Ratio	35.21 %	37.0 %	29.84 %
CASA vs Liabilities	29.7 %	31.88 %	24.8 %
Credit Deposit Ratio	75.05 %	73.6 %	78.89 %
Fresh Slippages - Quarterly	2023.0 Crs	2758.0 Crs	2771.0 Crs
Capital to Risks Assets Ratio (CRAR)	18.1 %	17.74 %	17.04 %
Tier I Capital	15.69 %	15.15 %	14.59 %
Tier 2 Capital	1.47 %	2.59 %	2.45 %
Cost To Income Ratio	46.31 %	48.42 %	48.45 %
Net Interest Margin	2.64 %	2.47 %	2.51 %
Yield On Advances	7.98 %	7.51 %	8.29 %
Gross NPA	2.82 %	2.95 %	1.84 %
Net NPA	0.48 %	0.29 %	0.43 %
NBFC
Cost of Borrowing	4.37 %	4.44 %	5.09 %
Financials
5 yr Average ROE	12.29 %	6.87 %	14.15 %
5yr average Equity Multiplier	15.51	14.1	17.53
5yr Average Asset Turnover Ratio	0.08	0.07	0.08
5yr Avg Net Profit Margin	8.83 %	6.21 %	8.44 %
5yr Avg Net Profit Margin	8.83 %	6.21 %	8.44 %
5yr CAGR Net Profit	44.48 %	48.47 %	43.42 %
5yr CAGR Sales	9.22 %	8.32 %	10.34 %
5 yr CAGR PPOP	9.57 %	3.55 %	9.85 %
Price to Book	0.93	0.79	1.0
P/E	6.38	6.42	6.56
Shareholdings
Promoter Holding	74.76 %	70.08 %	62.93 %
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 %	0.48 %

Business

	Union Bank Of India	PNB	Canara Bank
Loan Break-Up	Loan Break-Up LC & Other 40.02 Retail 23.46 Agricultural 17.0 MSME 15.02 Services 0 Industry 0 Others 4.5	-	-
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 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Others 5.69	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Wholesale Banking Operations 0 Treasury Operations 28.8 Corporate Banking 38.42 Life Insurance Operation 0 Consumer Finance 30.1 Treasury Operations 0 Retail Banking Operations 0 Others 2.68	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Corporate Banking 30.98 Treasury 0 Corporate/Wholesale Banking 0 Life Insurance Operation 0 Retail Banking 0 Treasury Operations 21.24 Consumer Finance 42.02 Others 5.76
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 3.46 India 96.54	Location Wise Break-Up Rest of the World 4.26 India 95.74
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 39.53 Wholesale Banking 33.27 Treasury 15.05 Others 12.15	-	-
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 Long Term Infrastructure Bonds 0 0 0 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Others 22.49	Borrowings Break-Up OTHER INSTITUTIONS AND AGENCIES 0 Reserve Bank of India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Long Term Infrastructure Bonds 3.52 UNSECURED REDEEMABLE BONDS 0 Perpetual Bonds 0 RESERVE BANK OF INDIA 0 OTHER BANKS 0 Borrowings outside India 0 Bonds 23.88 Reserve Bank of India 34.23 Others 38.37	Borrowings Break-Up Other Institutions & Agencies 24.21 Reserve Bank of India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Long Term Infrastructure Bonds 0 UNSECURED REDEEMABLE BONDS 74.79 Perpetual Bonds 0 RESERVE BANK OF INDIA 0 Other banks - India 1.0 Borrowings outside India 0 0 0
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 70.37 Non Priority Sector 0 Priority Sector 29.63	Priority vs Non-Priority Sector Non Priority Sector 60.61 Non Priority Sector 0 Priority Sector 39.39
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 Others 1.61	-	-
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 Corporate & Others 0 Agriculture & Allied 0 Retail 0 Others 7.39	NPA Break-Up Consumer Finance 0 Corporate & Others 0 Agriculture & Allied 0 Corporate Banking 0.69 Agricultural 0 Small & Medium Enterprises (SME) loans 44.82 Housing 0 Medium & Large 0 Car/Vehicle Loans 0 Retail 0 Micro, Small and Medium Enterprises 0 Education 0 Agricultural Loan 47.38 Others 7.11	NPA Break-Up Consumer Finance 0 Corporate 36.43 Agricultural 27.68 Corporates 0 Agricultural 0 MSME Sector 29.53 Housing 0 Medium & Large 0 Car/Vehicle Loans 0 Retail 6.35 Micro, Small and Medium Enterprises 0 Education 0 Agri 0 Others 0.01
Asset Break-Up	Asset Break-Up India 0 Others 100	-	Asset Break-Up India 91.28 Others 8.72

Union Bank Of India

Union Bank Of India

Financial

Business

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