Punjab & Sind Bank

Financial

	Punjab & Sind Bank	Bank of Maharashtra	J&K Bank
Operational Metrics
Banking Sector
Net Interest Margin	2.32 %	3.97 %	3.77 %
Gross NPA	5.43 %	1.88 %	4.08 %
Net NPA	1.63 %	0.2 %	0.79 %
CASA Ratio	32.42 %	52.73 %	50.51 %
CASA vs Liabilities	26.22 %	46.48 %	44.05 %
Credit Deposit Ratio	69.29 %	75.22 %	69.57 %
Capital to Risks Assets Ratio (CRAR)	17.16 %	17.38 %	15.33 %
Tier I Capital	14.74 %	13.72 %	13.09 %
Tier 2 Capital	2.42 %	3.66 %	2.24 %
Cost To Income Ratio	69.49 %	38.72 %	56.63 %
Fresh Slippages - Quarterly	370.0 Crs	570.0 Crs	324.97 Crs
Yield On Advances	8.67 %	9.14 %	9.48 %
NBFC
Cost of Borrowing	5.77 %	4.09 %	4.71 %
Financials
5 yr Average ROE	-11.42 %	12.95 %	3.63 %
5yr average Equity Multiplier	13.59	16.06	16.21
5yr Average Asset Turnover Ratio	0.08	0.07	0.07
5yr Avg Net Profit Margin	-4.82 %	9.2 %	2.88 %
5yr Avg Net Profit Margin	-4.82 %	9.2 %	2.88 %
5yr CAGR Net Profit	n/a	59.15 %	20.54 %
5yr CAGR Sales	-0.99 %	12.31 %	3.57 %
5 yr CAGR PPOP	0.75 %	22.96 %	1.62 %
Price to Book	2.57	2.26	1.06
P/E	67.09	11.05	7.3
Shareholdings
Promoter Holding	98.25 %	86.46 %	59.4 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	1.18 %	-6.87 %	-8.78 %
Change in Mutual Fund Holding (3 Yrs)	0.03 %	0.37 %	4.88 %

Business

	Punjab & Sind Bank	Bank of Maharashtra	J&K Bank
Loan Break-Up	Loan Break-Up Corporate 48.27 Personal Loan 18.65 Advances to industries 18.51 Agricultural 14.57 Services 0 Corporate & Others 0 0 Agriculture Sector 0 Retail Sector 0 Agriculture 0 Trade 0 Personal 0 SME 0	Loan Break-Up Corporate 0 Personal Loan 0 Agricultural 14.95 SME 0 Personal 0 Advances to industries 0 Corporate 38.97 MSME Sector 20.68 Retail 25.4 Agriculture 0 Services 0 Agricultural 0 Trade 0	Loan Break-Up Corporate 28.0 Personal Loan 0 Agriculture Sector 0 SME 11.0 Personal 38.0 Advances to industries 0 Corporate & Others 0 0 Retail Sector 0 Agricultural 10.0 Services 0 Agricultural 0 Trading 11.0 Others 2.0
Segment Break-Up	Segment Break-Up Consumer Finance 39.32 Corporate Banking 35.69 Treasury Operations 24.67 Corporate/ Wholesale Banking 0 Treasury Operations 0 Others 0.32	Segment Break-Up Consumer Finance 0 Corporate Banking 36.71 Treasury Operations 0 Corporate Banking 0 Others 63.29	Segment Break-Up Consumer Finance 0 Corporate/ Wholesale Banking 0 Treasury Operations 20.57 Corporate Banking 0 Others 79.43
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 37.93 Corporate / Wholesale Banking 34.57 Treasury 25.93 Corporate & Wholesale Banking 0 Others 1.57	Operating Profit Break-Up Treasury 24.02 Corporate / Wholesale Banking 0 Retail Banking 26.69 Corporate & Wholesale Banking 46.76 Others 2.53	Operating Profit Break-Up Treasury 0 Corporate / Wholesale Banking 0 Retail Banking 41.93 Corporate & Wholesale Banking 0 Others 58.07
Borrowings Break-Up	Borrowings Break-Up Institutional Business 86.28 Subordinated Debt 13.72 Borrowings outside India 0 Bonds 0 Reserve Bank Of India 0 Borrowings Outside India 0 Infra Bonds 0 Subordinated Debt Bonds 0 0 0 Unsecured Redeemable Debentures/Bonds 0	Borrowings Break-Up Subordinated Debt Bonds 0 Reserve Bank Of India 0 Infra Bonds 0 Borrowings Outside India 0 Subordinated Debt 0 Bonds 0 Hybrid Debt Capital Instruments issued as Bonds 48.29 Innovative Perpetual Debt Instruments (IPDI) 24.36 Unsecured Redeemable Debentures/Bonds 0 Borrowings outside India 0 Institutional Business 0 Others 27.35	Borrowings Break-Up Subordinated Debt Bonds 0 Reserve Bank Of India 0 Infra Bonds 0 Borrowings Outside India 0 Subordinated Debt 0 Bonds 0 0 0 UNSECURED REDEEMABLE BONDS 99.61 Borrowings outside India 0 Institutional Business 0 Others 0.39
NPA Break-Up	NPA Break-Up Advances to industries 31.0 Agricultural 26.32 Retail 12.18 Services 0 Large Corporate & Other 0 Medium 0 Micro & Small 0 Agriculture 0 Personal Loans 0 Industry 0 0 Agriculture & Allied Activities 0 Others 30.5	NPA Break-Up Industry 0 Advances to industries 0 Large Industries 3.21 Personal Loans 0 Agriculture & Allied Activities 0 Agricultural 63.29 Services 0 Retail 5.77 Micro, Small and Medium Enterprises 27.73 Medium 0 Agricultural 0 0	NPA Break-Up Industrial & Commercial 22.33 Advances to industries 0 Large Corporate & Other 0 Personal Loan 6.17 Agricultural 12.92 Agriculture 0 Services 53.48 Retail 0 Micro & Small 0 Medium 0 Agricultural 0 Priority Sector 5.1
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 61.37 Priority Sector 38.63 Non Priority Sector 0	-	Priority vs Non-Priority Sector Priority Sector 30.21 Non Priority Sector 69.79

Punjab & Sind Bank

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