Union Bank Of India

Financial

	Union Bank Of India	Indian Overseas Bank	IDBI
Operational Metrics
Asset Management Sector
AUM - Mutual Funds	16085.65 Crs	n/a	3767.27 Crs
% of AUM in equity fund	74.0 %	n/a	67.98 %
5 Yr AUM CAGR - Mutual Funds	28.45 %	n/a	-19.47 %
Banking Sector
Capital to Risks Assets Ratio (CRAR)	16.97 %	17.28 %	22.26 %
Tier I Capital	14.99 %	14.47 %	20.11 %
Tier 2 Capital	1.97 %	2.8 %	2.15 %
Fresh Slippages - Quarterly	3202.0 Crs	329.0 Crs	1835.0 Crs
Cost To Income Ratio	53.81 %	62.58 %	46.1 %
Credit Deposit Ratio	68.22 %	76.61 %	67.93 %
Net Interest Margin	3.1 %	3.53 %	4.93 %
Yield On Advances	8.87 %	8.88 %	10.9 %
Gross NPA	4.76 %	3.1 %	4.53 %
Net NPA	1.03 %	0.57 %	0.34 %
CASA Ratio	34.2 %	43.9 %	50.43 %
CASA vs Liabilities	29.74 %	36.55 %	38.55 %
NBFC
Cost of Borrowing	4.93 %	5.09 %	4.56 %
Financials
5 yr Average ROE	6.47 %	10.16 %	-1.18 %
5yr average Equity Multiplier	16.13	13.66	7.59
5yr Average Asset Turnover Ratio	0.08	0.08	0.08
5yr Avg Net Profit Margin	4.62 %	7.3 %	0.09 %
5yr Avg Net Profit Margin	4.62 %	7.3 %	0.09 %
5yr CAGR Net Profit	n/a	44.92 %	n/a
5yr CAGR Sales	22.26 %	49.29 %	3.57 %
5 yr CAGR PPOP	25.1 %	53.47 %	13.46 %
Price to Book	1.07	4.4	1.77
P/E	7.57	45.54	15.59
Shareholdings
Promoter Holding	74.76 %	96.38 %	94.71 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-14.31 %	0.54 %	0.0
Change in Mutual Fund Holding (3 Yrs)	2.51 %	0.03 %	-0.03 %

Business

	Union Bank Of India	Indian Overseas Bank	IDBI
Segment Break-Up	Segment Break-Up Corporate Banking 41.38 Consumer Finance 28.53 Treasury Operations 25.11 Retail Banking 0 Corporate / Wholesale Banking 0 Treasury 0 Retail banking 0 Corporate/Wholesale banking 0 Others 4.98	Segment Break-Up Consumer Finance 0 Corporate/Wholesale banking 0 Treasury Operations 27.28 Corporate Banking 0 Corporate Banking 28.74 Retail banking 0 Consumer Finance 38.51 Treasury Operations 0 Others 5.47	Segment Break-Up Consumer Finance 0 Corporate Banking 17.53 Treasury Operations 24.14 Corporate Banking 0 Corporate / Wholesale Banking 0 Consumer Finance 57.16 Retail Banking 0 Treasury Operations 0 Others 1.17
Loan Break-Up	Loan Break-Up LC & Other 45.07 Agricultural 20.32 Retail 19.61 MSME 15.0 Services 0 Industry 0 Personal Loans 0	Loan Break-Up Retail 22.15 MSME 18.97 Agricultural 0 Industry 0 Services 0 LC & Other 0 Personal Loans 0 Others 58.88	Loan Break-Up Retail 0 MSME 0 Agricultural 0 Industrial & Commercial 21.25 Services 25.19 LC & Other 0 Personal Loan 37.48 Others 16.08
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 2.88 India 97.12	Location Wise Break-Up Rest of the World 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Wholesale Banking 47.19 Retail Banking 20.23 Treasury 18.64 Corporate / Wholesale Banking 0 Others 13.94	Operating Profit Break-Up Corporate / Wholesale Banking 0 Wholesale Banking 0 Treasury Operations 23.57 Consumer Finance 55.93 Others 20.5	-
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 31.02 Tier 2 Bonds 23.07 Perpetual Bonds 22.46 Borrowings outside India 18.1 Upper Tier 2 Bonds 0 RBI 0 Subordinated Debt 0 0 0 Other Institutions & Agencies 0 Borrowings outside India 0 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 Others 5.35	Borrowings Break-Up Tier 2 Bonds 0 RBI 0 Borrowings outside India 0 Reserve Bank of India 0 0 Other Institutions & Agencies 62.93 0 Basel III Omni Tier 2 Bond 0 Upper Tier 2 Bonds 0 Upper Tier II Bonds 0 0 0 Subordinated Debt 7.12 Perpetual Bonds 0 Others 29.95	Borrowings Break-Up Tier 2 Bonds 0 RBI 0 Borrowings outside India 4.42 Reserve Bank of India 18.99 0 Other Institutions & Agencies 0 0 Basel III Omni Tier 2 Bond 20.93 Upper Tier 2 Bonds 0 Upper Tier II Bonds 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 2.39 0 Subordinated Debt 0 Perpetual Bonds 0 Others 53.27
Asset Break-Up	Asset Break-Up Others 100	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 74.44 Liquid/ Money Market 20.0 Debt 4.51 Balanced schemes 0 ETF 0 EQUITY 0 FMP 0 Gilt 0 Others 1.05	-	AUM Break-Up - Asset Management Equity 0 FMP 0 ETF 2.84 Gilt 0 Debt 5.2 Equity 67.98 Liquid/ Money Market 17.85 Balanced schemes 4.95 Others 1.18
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 62.11 Priority Sector 37.89 Due from Banks 0 Syndicated Loans 0 Bills Purchased & Discounted 0 Public Sector 0	Priority vs Non-Priority Sector Public Sector 11.41 Due from Banks 0 Priority Sector 50.46 Bills Purchased & Discounted 3.44 Non Priority Sector 0 Loan From Banks 1.29 Others 33.4	Priority vs Non-Priority Sector Public Sector 0 Due from Banks 0 Priority Sector 34.42 Bills Purchased & Discounted 0 Non Priority Sector 65.58 Syndicated Loans 0
NPA Break-Up	NPA Break-Up Agricultural 36.3 Medium & Large 27.35 Micro, Small and Medium Enterprises 26.69 Consumer Finance 9.66 Overseas 0 Corporate 0 MSME 0 Agri 0 Retail 0	NPA Break-Up Agricultural 30.88 Retail 12.13 Consumer Finance 0 Corporate 4.25 Medium & Large 0 MSME Sector 32.77 Agricultural 0 Micro, Small and Medium Enterprises 0 Overseas 19.97	-

Union Bank Of India

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