Punjab National Bank benchmarking: Perfomance to industry peers

Financial

	PNB	Bank Of Baroda	Canara Bank
Operational Metrics
Banks
Net Interest Margin	2.52 %	2.79 %	2.5 %
Yield On Advances	7.69 %	7.56 %	8.34 %
CASA Ratio	37.1 %	38.45 %	29.52 %
CASA vs Liabilities	31.91 %	30.68 %	24.58 %
Capital to Risks Assets Ratio (CRAR)	16.77 %	15.29 %	16.5 %
Tier 2 Capital	2.64 %	2.19 %	1.9 %
Tier I Capital	14.13 %	13.1 %	14.6 %
Cost To Income Ratio	51.91 %	49.53 %	46.83 %
Fresh Slippages - Quarterly	1901.0 Crs	2676.0 Crs	1857.0 Crs
Credit Deposit Ratio	72.05 %	86.16 %	78.38 %
Gross NPA	3.19 %	2.04 %	2.08 %
Net NPA	0.32 %	0.57 %	0.45 %
Life Insurance
Management Expense Ratio - Life Insurance	18.24 %	n/a	n/a
Commission Ratio - Life Insurance	5.56 %	n/a	n/a
AUM - Life Insurance	34379.0 Crs	n/a	n/a
61 Month Persistency Ratio	48.23 %	n/a	n/a
13 Month Persistency Ratio	81.04 %	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	453.16 Crs	n/a	225.72 Crs
NBFC
Cost of Borrowing	4.5 %	4.75 %	5.18 %
Financials
5 yr Average ROE	6.87 %	11.48 %	14.15 %
5yr average Equity Multiplier	14.1	14.05	17.53
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	6.21 %	10.18 %	8.44 %
5yr Avg Net Profit Margin	6.21 %	10.18 %	8.44 %
5yr CAGR Net Profit	48.47 %	68.01 %	43.42 %
5yr CAGR Sales	8.32 %	11.29 %	10.34 %
5 yr CAGR PPOP	3.55 %	10.27 %	9.85 %
Price to Book	0.94	0.87	1.13
P/E	7.88	7.38	7.23
Shareholdings
Promoter Holding	70.08 %	63.97 %	62.93 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.07 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	2.16 %	-0.9 %	-0.4 %

Business

	PNB	Bank Of Baroda	Canara Bank
Segment Break-Up	Segment Break-Up Corporate Banking 38.42 Consumer Finance 30.1 Treasury Operations 28.8 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Others 2.68	Segment Break-Up Corporate Banking 0 Retail Banking Operations 0 Treasury Operations 0 Life Insurance Operation 0 Wholesale Banking Operations 0 Consumer Finance 0 Others 100	Segment Break-Up Corporate Banking 0 Consumer Finance 42.02 Treasury Operations 21.24 Life Insurance Operation 0 Corporate Banking 30.98 Consumer Finance 0 Others 5.76
Location Wise Break-Up	Location Wise Break-Up India 96.54 Rest of the World 3.46	Location Wise Break-Up India 87.71 Rest of the World 12.29	Location Wise Break-Up India 95.74 Rest of the World 4.26
Retail Loan Break-Up - Banking	Retail Loan Break-Up - Banking Core Retail 58.92 Home loans 30.8 4 Wheeler Loans 8.09 Education Loan 2.19 Gold Loan 0 Personal Loan 0 Mortgage Loan 0	-	-
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 34.23 Bonds 23.88 Borrowings outside India 13.08 Long Term Infrastructure Bonds 3.52 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Others 25.29	-	Borrowings Break-Up Borrowings outside India 0 Bonds 0 Reserve Bank of India 0 UNSECURED REDEEMABLE BONDS 74.79 Other Institutions & Agencies 24.21 RESERVE BANK OF INDIA 0 Long Term Infrastructure Bonds 0 Other banks - India 1.0
Profit Before Tax	Profit Before Tax Treasury 38.06 Corporate & Wholesale Banking 33.41 Retail Banking 25.31 Life Insurance 0 Wholesale Banking 0 Others 3.22	-	Profit Before Tax Wholesale Banking 0 Treasury 51.32 Corporate & Wholesale Banking 0 Retail Banking 48.08 Life Insurance 0 Others 0.6
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 70.37 Priority Sector 29.63 Non Priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Priority Sector 27.25 Priority Sector 0 Non Priority Sector 0 Non Priority Sector 72.75	Priority vs Non-Priority Sector Priority sector 0 Priority Sector 39.39 Non Priority Sector 0 Non Priority sector 0 Others 60.61
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 47.38 Small & Medium Enterprises (SME) loans 44.82 Consumer Finance 7.11 Corporate Banking 0.69 Education 0 Car/Vehicle Loans 0 Housing 0 International 0 Others 0 Agriculture 0 Retail 0 Corporate 0 Corporate & Others 0 Agriculture & Allied 0	NPA Break-Up Agriculture & Allied 0 Corporate 0 International 13.04 Small & Medium Enterprises (SME) loans 0 Corporate Banking 0 Education 0 Agricultural 29.63 Agricultural Loan 0 Corporate & Others 0 Others 0.37 Car/Vehicle Loans 0 Consumer Finance 0 Housing 0 Retail 19.93 Others 37.03	NPA Break-Up Agricultural 27.68 Corporate 0 International 0 Small & Medium Enterprises (SME) loans 0 Corporate Banking 0 Education 0 Agriculture 0 Agricultural Loan 0 Corporate 36.43 Others 0 Car/Vehicle Loans 0 Consumer Finance 0 Housing 0 Retail 6.35 Others 29.54

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