PNB Housing Finance Ltd.

Financial

	PNB Housing Finance	LIC Housing Finance	Aptus Value Housing
Operational Metrics
Banking Sector
Net Interest Margin	3.7 %	2.7 %	12.94 %
NBFC
Cost To Income Ratio	26.2 %	12.9 %	n/a
Cost of Borrowing	7.83 %	7.78 %	8.7 %
AUM - NBFC	76840.0 Crs	n/a	10226.0 Crs
Capital to Risks Assets Ratio (CRAR)	28.78 %	21.49 %	65.0 %
Tier I Capital	27.98 %	20.0 %	72.44 %
Gross NPA	1.19 %	2.75 %	1.28 %
Net NPA	0.8 %	2.75 %	0.96 %
Financials
5 yr Average ROE	9.31 %	12.28 %	13.97 %
5yr average Equity Multiplier	7.07	10.57	2.2
5yr Average Asset Turnover Ratio	0.1	0.08	0.14
5yr Avg Net Profit Margin	14.15 %	13.51 %	44.03 %
5yr Avg Net Profit Margin	14.15 %	13.51 %	44.03 %
5yr CAGR Net Profit	18.47 %	14.72 %	23.73 %
5yr CAGR Sales	-3.13 %	6.68 %	22.02 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.65	0.99	4.17
P/E	14.34	6.48	23.66
Shareholdings
Promoter Holding	28.1 %	45.24 %	52.98 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-4.47 %	0.0	-9.37 %
Change in Mutual Fund Holding (3 Yrs)	19.24 %	5.83 %	7.63 %

Business

	PNB Housing Finance	LIC Housing Finance	Aptus Value Housing
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Bank Loan 40.4 Deposits 28.8 NHB 11.9 NCD 9.8 CP 6.2 ECB 2.8 Term Loans from LIC of India/HUDCO 0 Commercial Paper 0 Upper Tier II Bonds 0 Subordinated Bonds (Tier II) 0 Non Convertible Debentures 0 Refinances from NHB 0 Loans from Scheduled Banks 0 Public Deposit 0 Others 0.1	Borrowing Break-Up - NBFC Subordinated Bonds (Tier II) 0 Non Convertible Debentures 54.0 Loan From Banks 33.0 Term Loans from LIC of India/HUDCO 0 Upper Tier II Bonds 1.0 NCD 0 ECB 0 Refinance 5.0 CP 0 Public Deposit 3.0 NHB 0 Bank Loan 0 Commercial Papers 4.0 Deposits 0	-
Location Wise Break-Up	Location Wise Break-Up West India 35.6 North India 34.6 South India 29.8 Rest of the World 0 India 0 Karnataka 0 Telangana 0 Andhra Pradesh 0 Tamil Nadu 0	Location Wise Break-Up India 100.0 South India 0 Andhra Pradesh 0 Telangana 0 Tamil Nadu 0 North India 0 West India 0 Rest of the World 0 Karnataka 0	Location Wise Break-Up India 0 South India 0 Andhra Pradesh 43.0 Telangana 16.0 Tamil Nadu 33.0 North India 0 West India 0 Rest of the World 0 Karnataka 8.0
Customer Segment	Customer Segment Salaried 61.3 Self-Employed 38.7 Loans to Corporates 0 Self Employed 0	-	Customer Segment Salaried 23.0 Self Employed 77.0 Loans to Corporates 0 Self-Employed 0
AUM Break-Up - NBFC	AUM Break-Up - NBFC Home loans 72.2 Non-Housing Loan 27.8 Retail Non- residental Premises Loans 0 Retail Loan Against Property 0 Construction Finance(Housing Loan) 0 Retail LAP/Other 0 Developer Loans 0 Retail Home Loans 0	AUM Break-Up - NBFC Home loans 85.1 Developer Loans 2.9 Home loans 0 Non-Housing Loan 0 Retail 10.3 Retail Loan Against Property 0 Construction Finance(Housing Loan) 0 Retail Non- residental Premises Loans 0 Others 1.7	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	-	-

PNB Housing Finance Ltd.

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