Bank Of Baroda

Financial

	Bank Of Baroda	PNB	Union Bank Of India
Operational Metrics
Asset Management Sector
AUM - Mutual Funds	49926.38 Crs	n/a	21440.48 Crs
5 Yr AUM CAGR - Mutual Funds	35.13 %	n/a	40.76 %
% of AUM in equity fund	57.64 %	n/a	70.5 %
Banking Sector
Capital to Risks Assets Ratio (CRAR)	17.61 %	17.5 %	18.3 %
Tier I Capital	15.15 %	14.62 %	16.58 %
Tier 2 Capital	2.46 %	2.88 %	1.72 %
Credit Deposit Ratio	83.23 %	68.7 %	76.4 %
Fresh Slippages - Quarterly	3476.0 Crs	1792.0 Crs	2199.0 Crs
Cost To Income Ratio	48.87 %	55.31 %	49.19 %
Net Interest Margin	2.91 %	2.7 %	2.76 %
Yield On Advances	8.09 %	8.14 %	8.5 %
Gross NPA	2.28 %	3.78 %	3.52 %
Net NPA	0.6 %	0.38 %	0.62 %
CASA Ratio	39.33 %	36.99 %	32.52 %
CASA vs Liabilities	31.21 %	32.07 %	26.98 %
NBFC
Cost of Borrowing	5.05 %	4.7 %	4.89 %
Financials
5 yr Average ROE	11.48 %	6.87 %	12.29 %
5yr average Equity Multiplier	14.05	14.1	15.51
5yr Average Asset Turnover Ratio	0.08	0.07	0.08
5yr Avg Net Profit Margin	10.18 %	6.21 %	8.83 %
5yr Avg Net Profit Margin	10.18 %	6.21 %	8.83 %
5yr CAGR Net Profit	68.01 %	48.47 %	44.48 %
5yr CAGR Sales	11.29 %	8.32 %	9.22 %
5 yr CAGR PPOP	10.27 %	3.55 %	9.57 %
Price to Book	0.79	0.86	0.8
P/E	6.25	7.13	5.2
Shareholdings
Promoter Holding	63.97 %	70.08 %	74.76 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-3.07 %	-8.74 %
Change in Mutual Fund Holding (3 Yrs)	-2.33 %	2.39 %	2.72 %

Business

	Bank Of Baroda	PNB	Union Bank Of India
Loan Break-Up	Loan Break-Up Consumer Finance 26.9 Others 25.3 Agricultural 15.5 Power 6.0 Roads & Bridge 3.5 Metals 2.2 Iron & Steel 1.7 Textiles 1.6 Food Processing 1.4 Chemicals 1.3 Infrastructure 1.2 Petrochemicals 0.8 Engineering 0.8 Telecom 0.7 Trade 0 MSME 0 LC & Other 0 Retail 0 Services 0 Industry 0 Others 11.1	-	Loan Break-Up Petrochemicals 0 Industry 0 LC & Other 44.06 Iron & Steel 0 Others 0 Agricultural 0 Consumer Finance 0 Chemicals 0 Roads & Bridge 0 Infrastructure 0 Telecom 0 Food Processing 0 Engineering 0 MSME 14.82 Textiles 0 Power 0 Trade 0 Metals 0 Services 0 Retail 23.5 Others 17.62
Segment Break-Up	Segment Break-Up Consumer Finance 36.05 Corporate Banking 32.02 Treasury Operations 22.86 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Others 9.07	Segment Break-Up Treasury Operations 0 Cooperate/Wholesale Banking 0 Consumer Finance 0 Corporate Banking 0 Retail banking Operations 0 Treasure operations 0 Others 100	Segment Break-Up Treasury Operations 0 Corporate Banking 34.12 Consumer Finance 0 Corporate Banking 0 Consumer Finance 36.46 Treasury Operations 26.63 Others 2.79
Location Wise Break-Up	Location Wise Break-Up India 89.09 Rest of the World 10.91	Location Wise Break-Up Rest of the World 3.61 India 96.39	Location Wise Break-Up Rest of the World 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Corporate & Wholesale Banking 39.6 Treasury 34.06 Retail Banking 26.34	-	Operating Profit Break-Up Treasury 32.69 Retail Banking 44.2 Wholesale Banking 19.24 Others 3.87
Customer Segment	Customer Segment Corporate 40.4 Retail 30.1 Agricultural 15.5 MSME Sector 14.0	-	-
Asset Break-Up	Asset Break-Up India 82.73 Others 17.27	-	Asset Break-Up India 0 Others 100
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 72.75 Priority Sector 27.25 Non-Priority Sector 0 Priority Sector 0 Non Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 29.63 Non Priority Sector 0 Non Priority Sector 70.37	Priority vs Non-Priority Sector Priority Sector 34.23 Non Priority Sector 65.77 Non-Priority Sector 0
NPA Break-Up	NPA Break-Up MSME Sector 40.39 Agricultural 27.3 Retail 16.67 International 14.53 Corporate 0.82 Others 0.29 Agri 0 Education 0 Car/Vehicle Loans 0 Housing 0 Retail Loans 0 Corporates 0 Medium & Large 0 Micro & Small (MSE) 0	NPA Break-Up Micro & Small (MSE) 0 Agricultural 0 International 0 Education 0 Corporate 0 Consumer Finance 7.51 Agricultural Loan 44.95 Housing 0 Medium & Large 0 Corporate Banking 4.54 Retail 0 Others 0 MSME Sector 0 Car/Vehicle Loans 0 Others 43.0	NPA Break-Up Micro, Small and Medium Enterprises 18.5 Agricultural 0 International 0 Education 0 Corporate 0 Consumer Finance 7.92 Agri 0 Housing 0 Medium & Large 31.46 Corporates 0 Retail 0 Others 0 MSME Sector 0 Car/Vehicle Loans 0 Others 42.12
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 58.01 Liquid/ Money Market 28.19 Debt 7.17 Gilt 3.85 Balanced schemes 2.49 ETF 0.2 FMP 0 Equity 0 Others 0.09	-	AUM Break-Up - Asset Management ETF 0 Debt 5.42 FMP 0 Balanced schemes 0 Gilt 0 Equity 71.11 Liquid/ Money Market 22.06 Others 1.41

Bank Of Baroda

SIGN UP FOR FREE