Punjab & Sind Bank

Financial

	Punjab & Sind Bank	CentralBank of India	Bank of Maharashtra
Operational Metrics
Banking Sector
Net Interest Margin	2.78 %	3.48 %	3.98 %
Gross NPA	3.83 %	3.86 %	1.8 %
Net NPA	1.25 %	0.59 %	0.2 %
CASA Ratio	31.16 %	49.18 %	49.28 %
CASA vs Liabilities	25.66 %	41.83 %	41.7 %
Credit Deposit Ratio	75.25 %	68.25 %	80.63 %
Capital to Risks Assets Ratio (CRAR)	15.95 %	16.43 %	18.71 %
Tier I Capital	14.04 %	14.21 %	14.7 %
Tier 2 Capital	1.92 %	2.22 %	4.01 %
Cost To Income Ratio	62.1 %	58.83 %	38.27 %
Fresh Slippages - Quarterly	299.0 Crs	800.0 Crs	621.0 Crs
Yield On Advances	9.14 %	9.01 %	9.27 %
NBFC
Cost of Borrowing	5.91 %	4.9 %	4.27 %
Financials
5 yr Average ROE	-8.44 %	1.97 %	12.95 %
5yr average Equity Multiplier	11.67	14.47	16.06
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	-2.57 %	1.77 %	9.2 %
5yr Avg Net Profit Margin	-2.57 %	1.77 %	9.2 %
5yr CAGR Net Profit	n/a	n/a	59.15 %
5yr CAGR Sales	4.34 %	5.43 %	12.31 %
5 yr CAGR PPOP	0.61 %	11.2 %	22.96 %
Price to Book	1.81	0.99	1.41
P/E	25.28	9.3	7.43
Shareholdings
Promoter Holding	93.85 %	89.27 %	79.6 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-4.4 %	-3.81 %	-11.37 %
Change in Mutual Fund Holding (3 Yrs)	0.01 %	0.15 %	0.81 %

Business

	Punjab & Sind Bank	CentralBank of India	Bank of Maharashtra
Segment Break-Up	Segment Break-Up Corporate Banking 49.89 Treasury Operations 26.61 Consumer Finance 23.31 Corporate/ Wholesale Banking 0 Others 0.19	Segment Break-Up Consumer Finance 0 Corporate/ Wholesale Banking 0 Treasury Operations 0 Corporate Banking 0 Others 100	Segment Break-Up Consumer Finance 0 Corporate Banking 32.56 Treasury Operations 0 Corporate Banking 0 Others 67.44
Loan Break-Up	Loan Break-Up Personal Loan 21.57 Advances to industries 19.18 Agricultural 13.45 Services 0 Corporate Advances 0 MSME Advances 0 Agriculture Advances 0 Retail Advances 0 Corporate & Others 0 0 Agriculture Sector 0 Retail Sector 0 Others 45.8	Loan Break-Up Corporate & Others 0 Personal Loan 0 Small & Medium Enterprises (SME) loans 21.46 Agricultural 0 Consumer Finance 29.52 0 Advances to industries 0 Agriculture Sector 0 Retail Sector 0 Corporate Banking 30.09 Services 0 Agricultural Loan 18.94	Loan Break-Up Corporate 37.67 Personal Loan 0 MSME Advances 0 Agricultural 0 Retail Advances 0 MSME Sector 20.82 Advances to industries 0 Agricultural 14.76 Retail 26.75 Corporate Advances 0 Services 0 Agriculture Advances 0
Location Wise Break-Up	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Corporate / Wholesale Banking 46.36 Treasury 30.28 Retail Banking 22.27 Corporate & Wholesale Banking 0 Others 1.09	-	Operating Profit Break-Up Corporate & Wholesale Banking 38.24 Retail Banking 40.57 Treasury 20.19 Corporate / Wholesale Banking 0 Others 1.0
Borrowings Break-Up	Borrowings Break-Up Institutional Business 81.2 Subordinated Debt 12.66 Borrowings outside India 0 Bonds 0 Reserve Bank Of India 0 Unsecured Redeemable NC Basel III 0 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 Unsecured Redeemable Bonds 0 Reserve Bank of India 0 Borrowings Outside India 0 Infra Bonds 0 Subordinated Debt Bonds 0 0 0 Others 6.14	Borrowings Break-Up Unsecured Redeemable Bonds 0 0 Borrowings Outside India 0 Subordinated Debt Bonds 0 Innovative Perpetual Debt Instrument 0 Unsecured Redeemable NC Basel III 14.99 Bonds 0 Upper Tier II Bonds 0 Reserve Bank of India 55.01 Institutional Business 0 Infra Bonds 0 Subordinated Debt 0 Borrowings outside India 0 0 Reserve Bank Of India 0 Others 30.0	Borrowings Break-Up Unsecured Redeemable Bonds 0 Innovative Perpetual Debt Instruments (IPDI) 24.36 Borrowings Outside India 0 Subordinated Debt Bonds 0 Innovative Perpetual Debt Instrument 0 Unsecured Redeemable NC Basel III 0 Bonds 0 Upper Tier II Bonds 0 Reserve Bank of India 0 Institutional Business 0 Infra Bonds 0 Subordinated Debt 0 Borrowings outside India 0 Hybrid Debt Capital Instruments issued as Bonds 48.29 Reserve Bank Of India 0 Others 27.35
Asset Break-Up	Asset Break-Up Treasury 0 Corporate / Wholesale Banking 0 Retail Banking 0 RETAIL BANKING 0 CORPORATE/ WHOLESALE BANKING 0 TREASURY 0 Others 100	Asset Break-Up CORPORATE/ WHOLESALE BANKING 0 Corporate / Wholesale Banking 0 Retail Banking 37.15 TREASURY 0 Treasury 40.38 RETAIL BANKING 0 Others 22.47	Asset Break-Up CORPORATE/ WHOLESALE BANKING 36.95 Corporate / Wholesale Banking 0 Retail Banking 0 TREASURY 25.61 Treasury 0 RETAIL BANKING 32.41 Others 5.03
NPA Break-Up	NPA Break-Up Advances to industries 43.42 Agricultural 32.64 Retail 10.04 Services 0 Corporate 0 MSME 0 Agriculture 0 Large Corporate & Other 0 Medium 0 Micro & Small 0 Others 13.9	NPA Break-Up Agricultural 31.39 Agricultural 0 Micro & Small 0 Corporate 32.28 Medium 0 MSME Sector 28.14 Advances to industries 0 Retail 8.2 Services 0 Large Corporate & Other 0	NPA Break-Up Agricultural 64.23 Agricultural 0 Micro, Small and Medium Enterprises 27.64 Corporate 0 Medium 0 MSME 0 Advances to industries 0 Retail 5.04 Services 0 Large Industries 3.08 Others 0.01
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 62.04 Priority Sector 37.96 Non priority sector 0	Priority vs Non-Priority Sector Priority Sector 46.93 Non Priority Sector 53.07 Non Priority Sector 0	-

Punjab & Sind Bank

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