Punjab National Bank

Financial

	PNB	Bank Of Baroda	Union Bank Of India
Operational Metrics
Banking Sector
Net Interest Margin	2.93 %	2.94 %	2.91 %
Yield On Advances	8.38 %	8.35 %	8.78 %
CASA Ratio	38.12 %	39.68 %	33.43 %
CASA vs Liabilities	33.09 %	31.35 %	28.75 %
Capital to Risks Assets Ratio (CRAR)	15.41 %	15.96 %	16.72 %
Tier 2 Capital	2.88 %	2.52 %	1.83 %
Tier I Capital	12.53 %	13.44 %	14.89 %
Cost To Income Ratio	54.16 %	49.53 %	45.14 %
Fresh Slippages - Quarterly	1600.0 Crs	2503.0 Crs	1820.0 Crs
Credit Deposit Ratio	72.58 %	83.18 %	75.74 %
Gross NPA	4.09 %	2.43 %	3.85 %
Net NPA	0.41 %	0.59 %	0.82 %
Life Insurance Sector
Management Expense Ratio - Life Insurance	16.74 %	n/a	n/a
Commission Ratio - Life Insurance	5.82 %	n/a	n/a
AUM - Life Insurance	34379.0 Crs	n/a	n/a
61 Month Persistency Ratio	48.52 %	n/a	n/a
13 Month Persistency Ratio	77.1 %	n/a	n/a
Value Of New Business Margin (VNB)	23.7 %	n/a	n/a
Embedded Value	5551.0 Crs	n/a	n/a
New Business Performance - Life Insurance	354.6 Crs	n/a	n/a
NBFC
Cost of Borrowing	4.63 %	5.08 %	5.01 %
Financials
5 yr Average ROE	3.94 %	8.74 %	6.47 %
5yr average Equity Multiplier	13.98	14.66	16.13
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	3.72 %	7.68 %	4.62 %
5yr Avg Net Profit Margin	3.72 %	7.68 %	4.62 %
5yr CAGR Net Profit	83.44 %	82.47 %	n/a
5yr CAGR Sales	13.74 %	9.25 %	22.26 %
5 yr CAGR PPOP	10.57 %	13.8 %	25.1 %
Price to Book	0.9	0.92	0.87
P/E	6.98	6.32	6.01
Shareholdings
Promoter Holding	70.08 %	63.97 %	74.76 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.07 %	0.0	-8.74 %
Change in Mutual Fund Holding (3 Yrs)	1.84 %	-0.75 %	2.52 %

Business

	PNB	Bank Of Baroda	Union Bank Of India
Segment Break-Up	Segment Break-Up Corporate Banking 41.89 Treasury Operations 28.2 Consumer Finance 27.22 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Others 2.69	Segment Break-Up Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Treasury Operations 0 Consumer Finance 0 Corporate Banking 0 Others 100	Segment Break-Up Corporate Banking 35.84 Consumer Finance 36.15 Treasury Operations 24.55 Treasury Operations 0 Consumer Finance 0 Corporate Banking 0 Others 3.46
Location Wise Break-Up	Location Wise Break-Up India 95.9 Rest of the World 4.1	Location Wise Break-Up Rest of the World 12.12 India 87.88	Location Wise Break-Up Rest of the World 0 India 100.0
Retail Loan Break-Up - Banking	Retail Loan Break-Up - Banking Core Retail 57.54 Home loans 33.49 4 Wheeler Loans 7.42 Education Loan 1.55 Gold Loan 0 Personal Loan 0 Mortgage Loan 0	-	-
Borrowings Break-Up	Borrowings Break-Up Bonds 50.01 Borrowings outside India 10.99 Long Term Infrastructure Bonds 3.86 0 Reserve Bank of India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 Others 35.14	-	Borrowings Break-Up Long Term Infrastructure Bonds 0 0 Tier 2 Bonds 29.47 Perpetual Bonds 35.92 Bonds 0 Upper Tier 2 Bonds 0 Reserve Bank of India 0 Borrowings outside India 0 Others 34.61
Profit Before Tax	Profit Before Tax Corporate & Wholesale Banking 37.14 Treasury 32.58 Retail Banking 24.8 Others 5.48	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 70.21 Priority Sector 29.79 Non Priority sector 0 Priority sector 0 Non Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 0 Non Priority Sector 72.22 Priority Sector 27.78	Priority vs Non-Priority Sector Non Priority Sector 62.46 Priority Sector 37.54 Non Priority sector 0 Priority sector 0
MSME Loan Break-Up	MSME Loan Break-Up Others 100	-	-
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-
NPA Break-Up	NPA Break-Up Agricultural Loan 45.09 Small & Medium Enterprises (SME) loans 41.84 Consumer Finance 7.36 Corporate Banking 5.71 Education 0 Car/Vehicle Loans 0 Housing 0 International 0 Others 0 Agriculture 0 Retail 0 Corporate 0 Medium & Large 0 Micro & Small (MSE) 0	NPA Break-Up Agricultural Loan 0 Medium & Large 0 Car/Vehicle Loans 0 International 16.09 Housing 0 Small & Medium Enterprises (SME) loans 0 Others 0.33 Education 0 Agricultural 26.92 Corporate 2.32 Micro & Small (MSE) 0 Consumer Finance 0 Retail 15.77 Corporate Banking 0 Others 38.57	NPA Break-Up Agricultural Loan 0 Medium & Large 37.36 Car/Vehicle Loans 0 International 0 Housing 0 Small & Medium Enterprises (SME) loans 0 Others 0 Education 0 Agricultural 40.06 Corporate 0 Micro, Small and Medium Enterprises 14.01 Consumer Finance 0 Retail 0 Corporate Banking 0 Others 8.57

Punjab National Bank

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