Punjab & Sind Bank

Financial

	Punjab & Sind Bank	Bank of Maharashtra	J&K Bank
Operational Metrics
Banking Sector
Net Interest Margin	2.54 %	3.97 %	3.83 %
Gross NPA	5.7 %	1.88 %	4.84 %
Net NPA	1.8 %	0.2 %	0.83 %
CASA Ratio	31.19 %	52.73 %	50.59 %
CASA vs Liabilities	25.41 %	46.48 %	43.78 %
Credit Deposit Ratio	70.6 %	75.22 %	69.82 %
Capital to Risks Assets Ratio (CRAR)	16.13 %	17.38 %	14.18 %
Tier I Capital	13.75 %	13.72 %	11.74 %
Tier 2 Capital	2.38 %	3.66 %	2.44 %
Cost To Income Ratio	74.84 %	38.72 %	62.36 %
Fresh Slippages - Quarterly	228.0 Crs	570.0 Crs	277.7 Crs
Yield On Advances	8.91 %	9.14 %	9.78 %
NBFC
Cost of Borrowing	5.71 %	4.09 %	4.95 %
Financials
5 yr Average ROE	-11.42 %	-6.2 %	3.63 %
5yr average Equity Multiplier	13.59	18.57	16.21
5yr Average Asset Turnover Ratio	0.08	0.07	0.07
5yr Avg Net Profit Margin	-4.82 %	-1.95 %	2.88 %
5yr Avg Net Profit Margin	-4.82 %	-1.95 %	2.88 %
5yr CAGR Net Profit	n/a	n/a	20.54 %
5yr CAGR Sales	-0.99 %	7.96 %	3.57 %
5 yr CAGR PPOP	0.75 %	22.64 %	1.62 %
Price to Book	2.7	2.44	1.26
P/E	45.12	11.9	9.52
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 48.54 Advances to industries 18.81 Personal Loan 18.32 Agricultural 14.34 Services 0 Corporate & Others 0 0 Agriculture Sector 0 Retail Sector 0 Agriculture 0 Trade 0 Personal 0 SME 0	Loan Break-Up Retail 26.05 Trade 0 Personal 0 Corporate 38.97 Corporate 0 Personal Loan 0 MSME Sector 20.89 Agricultural 14.1 Services 0 Agriculture 0 Advances to industries 0 SME 0 Agricultural 0	Loan Break-Up Retail Sector 0 Trading 11.0 Personal 38.0 Corporate & Others 0 Corporate 28.0 Personal Loan 0 0 Agriculture Sector 0 Services 0 Agricultural 9.0 Advances to industries 0 SME 11.0 Agricultural 0 Others 3.0
Segment Break-Up	Segment Break-Up Corporate Banking 41.76 Consumer Finance 36.15 Treasury Operations 21.82 Corporate/ Wholesale Banking 0 Treasury Operations 0 Others 0.27	Segment Break-Up Corporate Banking 36.02 Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Others 63.98	Segment Break-Up Corporate/ Wholesale Banking 0 Consumer Finance 0 Treasury Operations 20.03 Corporate Banking 0 Others 79.97
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 Corporate / Wholesale Banking 44.5 Treasury 12.6 Retail Banking 4.16 Corporate & Wholesale Banking 0 Others 38.74	Operating Profit Break-Up Corporate & Wholesale Banking 64.92 Treasury 23.67 Corporate / Wholesale Banking 0 Retail Banking 11.4 Others 0.01	Operating Profit Break-Up Corporate & Wholesale Banking 0 Treasury 0 Corporate / Wholesale Banking 0 Retail Banking 62.63 Others 37.37
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 Bonds 0 0 Borrowings Outside India 0 Borrowings outside India 0 Infra Bonds 0 Subordinated Debt 0 Reserve Bank of India 4.64 Innovative Perpetual Debt Instruments (IPDI) 17.46 Unsecured Redeemable Debentures/Bonds 0 Subordinated Debt 27.44 Institutional Business 0 Others 50.46	Borrowings Break-Up Bonds 0 0 Borrowings Outside India 0 Borrowings outside India 0 Infra Bonds 0 Subordinated Debt 0 Reserve Bank Of India 0 0 UNSECURED REDEEMABLE BONDS 99.61 Subordinated Debt Bonds 0 Institutional Business 0 Others 0.39
NPA Break-Up	NPA Break-Up Advances to industries 31.1 Agricultural 23.58 Retail 10.51 Services 0 Large Corporate & Other 0 Medium 0 Micro & Small 0 Agriculture 0 Personal Loans 0 Industry 0 0 Agriculture & Allied Activities 0 Others 34.81	NPA Break-Up Medium 0 0 Personal Loans 0 Micro, Small and Medium Enterprises 27.81 Retail 5.6 Agriculture & Allied Activities 0 Agricultural 62.91 Services 0 Large Industries 3.65 Industry 0 Advances to industries 0 Agricultural 0 Others 0.03	NPA Break-Up Medium 0 Priority Sector 5.1 Personal Loan 6.17 Micro & Small 0 Retail 0 Agricultural 12.92 Agriculture 0 Services 53.48 Large Corporate & Other 0 Industrial & Commercial 22.33 Advances to industries 0 Agricultural 0
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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