Punjab National Bank

Financial

	PNB	Bank Of Baroda	Canara Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.1 %	3.27 %	3.07 %
Yield On Advances	8.44 %	6.43 %	8.71 %
CASA Ratio	41.44 %	41.33 %	32.29 %
CASA vs Liabilities	36.34 %	33.76 %	27.57 %
Capital to Risks Assets Ratio (CRAR)	15.97 %	16.31 %	16.28 %
Tier 2 Capital	2.8 %	2.24 %	2.33 %
Tier I Capital	13.17 %	14.07 %	13.95 %
Cost To Income Ratio	56.09 %	49.29 %	50.08 %
Fresh Slippages - Quarterly	2078.0 Crs	2855.0 Crs	3082.0 Crs
Credit Deposit Ratio	71.79 %	80.56 %	73.2 %
Gross NPA	5.73 %	2.92 %	4.23 %
Net NPA	0.73 %	0.68 %	1.27 %
Life Insurance Sector
Management Expense Ratio - Life Insurance	22.5 %	n/a	n/a
Commission Ratio - Life Insurance	7.17 %	n/a	n/a
AUM - Life Insurance	34379.0 Crs	n/a	n/a
61 Month Persistency Ratio	45.42 %	n/a	n/a
13 Month Persistency Ratio	76.53 %	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	211.96 Crs	n/a	n/a
NBFC
Cost of Borrowing	4.52 %	5.11 %	5.0 %
Financials
5 yr Average ROE	3.94 %	8.74 %	9.12 %
5yr average Equity Multiplier	13.98	14.66	17.85
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	3.72 %	7.68 %	5.49 %
5yr Avg Net Profit Margin	3.72 %	7.68 %	5.49 %
5yr CAGR Net Profit	83.44 %	82.47 %	n/a
5yr CAGR Sales	13.74 %	9.25 %	17.72 %
5 yr CAGR PPOP	10.57 %	13.8 %	25.16 %
Price to Book	1.2	1.14	1.14
P/E	14.59	7.3	6.9
Shareholdings
Promoter Holding	73.15 %	63.97 %	62.93 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.72 %	0.0	-6.4 %
Change in Mutual Fund Holding (3 Yrs)	2.51 %	-0.61 %	2.46 %

Business

	PNB	Bank Of Baroda	Canara Bank
Segment Break-Up	Segment Break-Up Corporate Banking 42.28 Consumer Finance 27.73 Treasury Operations 27.66 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Others 2.33	Segment Break-Up Retail Banking Operations 0 Life Insurance Operation 0 Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Wholesale Banking Operations 0 Others 100	Segment Break-Up Consumer Finance 43.93 Life Insurance Business 7.82 Corporate Banking 0 Treasury Operations 18.17 Consumer Finance 0 Corporate Banking 30.08
Location Wise Break-Up	Location Wise Break-Up India 96.34 Rest of the World 3.66	Location Wise Break-Up Rest of the World 8.89 India 91.11	Location Wise Break-Up Rest of the World 4.52 India 95.48
Retail Loan Break-Up - Banking	Retail Loan Break-Up - Banking Core Retail 53.94 Home loans 31.93 Personal Loan 7.08 4 Wheeler Loans 7.05 Gold Loan 0 Mortgage Loan 0 Education Loan 0	-	-
Borrowings Break-Up	Borrowings Break-Up Bonds 41.63 Borrowings outside India 17.79 Long Term Infrastructure Bonds 3.99 0 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Others 36.59	-	Borrowings Break-Up RESERVE BANK OF INDIA 0 Borrowings outside India 0 Other Institutions & Agencies 24.21 0 Long Term Infrastructure Bonds 0 Bonds 0 Other banks - India 1.0 UNSECURED REDEEMABLE BONDS 74.79
Profit Before Tax	Profit Before Tax Corporate & Wholesale Banking 39.24 Treasury 31.83 Retail Banking 24.05 Life Insurance 0 Wholesale Banking 0 Others 4.88	-	Profit Before Tax Retail Banking 77.11 Treasury 22.49 Life Insurance 0.4 Wholesale Banking 0 Corporate & Wholesale Banking 0
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 69.57 Priority Sector 30.43 Non Priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 0 Priority Sector 28.42 Non Priority Sector 71.58	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 44.29 Priority sector 0 Non Priority sector 0 Others 55.71
MSME Loan Break-Up	MSME Loan Break-Up Others 100	-	-
NPA Break-Up	NPA Break-Up Agricultural Loan 39.01 Small & Medium Enterprises (SME) loans 35.01 Corporate Banking 14.12 Consumer Finance 8.98 Education 0 Car/Vehicle Loans 0 Housing 0 International 0 Others 0 Agriculture 0 Retail 0 Corporate 0 Corporate & Others 0 Agriculture & Allied 0 Others 2.88	NPA Break-Up Education 0 Agricultural Loan 0 Housing 0 Agricultural 22.24 International 25.28 Corporate 7.45 Car/Vehicle Loans 0 Retail 10.35 Small & Medium Enterprises (SME) loans 0 Corporate & Others 0 Others 0.26 Agriculture & Allied 0 Consumer Finance 0 Corporate Banking 0 Others 34.42	NPA Break-Up Education 0 Agricultural Loan 0 Housing 0 Agriculture 0 International 0 Corporate 0 Car/Vehicle Loans 0 Retail 5.53 Small & Medium Enterprises (SME) loans 0 Corporate 45.77 Others 0 Agricultural 21.03 Consumer Finance 0 Corporate Banking 0 Others 27.67

Punjab National Bank

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