Central Bank Of India

Financial

	CentralBank of India	UCO Bank	Bank of Maharashtra
Operational Metrics
Banking Sector
Net Interest Margin	3.16 %	2.96 %	3.95 %
Yield On Advances	8.58 %	8.26 %	9.28 %
Gross NPA	3.13 %	2.63 %	1.74 %
Net NPA	0.49 %	0.45 %	0.18 %
CASA Ratio	46.88 %	36.91 %	50.07 %
CASA vs Liabilities	41.79 %	30.14 %	41.58 %
Credit Deposit Ratio	62.55 %	75.38 %	79.04 %
Cost To Income Ratio	55.43 %	54.06 %	37.57 %
Fresh Slippages - Quarterly	839.0 Crs	608.0 Crs	727.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.66 %	18.39 %	20.06 %
Tier 2 Capital	2.18 %	2.03 %	3.43 %
Tier I Capital	15.48 %	16.36 %	16.63 %
NBFC
Cost of Borrowing	4.95 %	4.73 %	4.26 %
Financials
5 yr Average ROE	5.77 %	6.17 %	16.73 %
5yr average Equity Multiplier	13.76	11.6	15.54
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	4.67 %	5.97 %	12.49 %
5yr Avg Net Profit Margin	4.67 %	5.97 %	12.49 %
5yr CAGR Net Profit	n/a	76.11 %	57.52 %
5yr CAGR Sales	8.87 %	10.52 %	14.4 %
5 yr CAGR PPOP	12.19 %	7.79 %	18.66 %
Price to Book	0.86	1.18	1.39
P/E	7.61	14.8	7.25
Shareholdings
Promoter Holding	89.27 %	90.95 %	79.6 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.81 %	-4.44 %	-11.37 %
Change in Mutual Fund Holding (3 Yrs)	0.19 %	0.12 %	0.82 %

Business

	CentralBank of India	UCO Bank	Bank of Maharashtra
Loan Break-Up	Loan Break-Up Consumer Finance 30.9 Corporate Banking 27.93 Small & Medium Enterprises (SME) loans 21.92 Agricultural Loan 19.25 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Corporate & Others 0 0 Agriculture Sector 0 Retail Sector 0	Loan Break-Up Agriculture Sector 0 Retail Sector 0 Corporate & Others 0 Industrial & Commercial 12.8 Consumer Finance 0 Personal Loan 52.23 0 Agricultural 15.13 Agricultural Loan 0 Services 18.51 Corporate Banking 0 Priority Sector 1.33 Small & Medium Enterprises (SME) loans 0	Loan Break-Up Agricultural 13.6 Retail 29.85 Corporate 37.9 Industry 0 Consumer Finance 0 Personal Loans 0 MSME Sector 18.65 Agriculture and allied activities 0 Agricultural Loan 0 Services 0 Corporate Banking 0 0 Small & Medium Enterprises (SME) loans 0
Loan Break-Up	Loan Break-Up Consumer Finance 30.9 Corporate Banking 27.93 Small & Medium Enterprises (SME) loans 21.92 Agricultural Loan 19.25 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Corporate & Others 0 0 Agriculture Sector 0 Retail Sector 0	Loan Break-Up Agriculture Sector 0 Retail Sector 0 Corporate & Others 0 Industrial & Commercial 12.8 Consumer Finance 0 Personal Loan 52.23 0 Agricultural 15.13 Agricultural Loan 0 Services 18.51 Corporate Banking 0 Priority Sector 1.33 Small & Medium Enterprises (SME) loans 0	Loan Break-Up Agricultural 13.6 Retail 29.85 Corporate 37.9 Industry 0 Consumer Finance 0 Personal Loans 0 MSME Sector 18.65 Agriculture and allied activities 0 Agricultural Loan 0 Services 0 Corporate Banking 0 0 Small & Medium Enterprises (SME) loans 0
Segment Break-Up	Segment Break-Up Consumer Finance 44.31 Treasury Operations 33.25 Corporate Banking 22.1 Corporate/ Wholesale Banking 0 Others 0.34	Segment Break-Up Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Corporate/ Wholesale Banking 0 Others 100	Segment Break-Up Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Corporate Banking 33.26 Others 66.74
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 94.07 Rest of the World 5.93	Location Wise Break-Up India 100.0 Rest of the World 0
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 40.75 Unsecured Redeemable NC Basel III 9.17 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 Unsecured Redeemable Bonds 0 Borrowings outside India 0 Borrowings Outside India 0 Infra Bonds 0 Subordinated Debt Bonds 0 0 0 Reserve Bank Of India 0 Others 50.08	Borrowings Break-Up Borrowings outside India 1.04 Infra Bonds 0 Subordinated Debt Bonds 0 0 Reserve Bank Of India 0 Unsecured Redeemable NC Basel III 0 Unsecured Redeemable Bonds 0 Borrowings Outside India 0 Innovative Perpetual Debt Instrument 0 0 Upper Tier II Bonds 0 Reserve Bank of India 17.43 Others 81.53	Borrowings Break-Up Borrowings outside India 0 Infrastructure Bonds 10.16 Subordinated Debt 17.31 Innovative Perpetual Debt Instruments (IPDI) 7.88 Reserve Bank Of India 0 Unsecured Redeemable NC Basel III 0 Unsecured Redeemable Bonds 0 Borrowings Outside India 0 Innovative Perpetual Debt Instrument 0 0 Upper Tier II Bonds 0 Reserve Bank of India 0 Others 64.65
Profit Before Tax	Profit Before Tax Treasury Operations 43.84 Retail Banking Operations 28.36 Wholesale Banking Operations 27.8	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 53.59 Priority Sector 46.41 Non Priority Sector Advance 0 Priority Sector Advance 0	Priority vs Non-Priority Sector Priority Sector 43.87 Priority Sector 0 Non Priority Sector 0 Non Priority Sector 56.13	-
Digital Transactions Break-Up	Digital Transactions Break-Up UPI 85.23 RTGS/NEFT 5.06 IMPS 3.46 AEPS 0.8 Debit card 0.42 Internet Banking 0.41 Mobile Banking 0.39 ATM 0 Others 4.23	-	-
NPA Break-Up	NPA Break-Up Agricultural 38.71 MSME Sector 35.89 Corporate 14.75 Retail 10.65 Others 0 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Large Corporate & Other 0 Medium 0 Micro & Small 0	NPA Break-Up Agricultural 0 Corporate 0 Industrial & Commercial 0.08 Medium 0 Retail 0 Personal Loan 8.4 Agricultural 55.33 Others 0 Services 35.31 Large Corporate & Other 0 Micro & Small 0 Priority Sector 0.88 MSME Sector 0	NPA Break-Up Agricultural 0 Corporate 0 Industry 0 Medium 0 Retail 6.7 Personal Loans 0 Agriculture and allied activities 0 Others 0 Services 0 Large Industries 1.02 Micro, Small and Medium Enterprises 16.98 0 MSME Sector 0 Others 75.3
Asset Break-Up	Asset Break-Up RETAIL BANKING 0 CORPORATE/ WHOLESALE BANKING 0 TREASURY 0 Others 100	Asset Break-Up TREASURY 0 CORPORATE/ WHOLESALE BANKING 0 RETAIL BANKING 0 Others 100	Asset Break-Up TREASURY 29.23 CORPORATE/ WHOLESALE BANKING 34.22 RETAIL BANKING 31.6 Others 4.95

Central Bank Of India

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