Punjab National Bank benchmarking: Perfomance to industry peers

Financial

	PNB	Canara Bank	Bank Of Baroda
Operational Metrics
Banks
Net Interest Margin	2.6 %	2.52 %	2.96 %
Yield On Advances	7.9 %	8.4 %	7.81 %
CASA Ratio	37.29 %	30.69 %	38.42 %
CASA vs Liabilities	32.13 %	25.88 %	30.62 %
Capital to Risks Assets Ratio (CRAR)	17.19 %	16.2 %	16.54 %
Tier 2 Capital	1.66 %	1.92 %	2.39 %
Tier I Capital	12.75 %	14.28 %	14.15 %
Cost To Income Ratio	51.2 %	46.97 %	51.02 %
Fresh Slippages - Quarterly	1955.0 Crs	2031.0 Crs	2669.0 Crs
Credit Deposit Ratio	70.11 %	75.33 %	84.39 %
Gross NPA	3.45 %	2.35 %	2.16 %
Net NPA	0.36 %	0.54 %	0.57 %
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	513.25 Crs	314.03 Crs	n/a
NBFC
Cost of Borrowing	4.58 %	5.21 %	4.91 %
Financials
5 yr Average ROE	6.87 %	14.15 %	11.48 %
5yr average Equity Multiplier	14.1	17.53	14.05
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	6.21 %	8.44 %	10.18 %
5yr Avg Net Profit Margin	6.21 %	8.44 %	10.18 %
5yr CAGR Net Profit	48.47 %	43.42 %	68.01 %
5yr CAGR Sales	8.32 %	10.34 %	11.29 %
5 yr CAGR PPOP	3.55 %	9.85 %	10.27 %
Price to Book	0.98	1.17	0.95
P/E	8.21	7.78	7.87
Shareholdings
Promoter Holding	70.08 %	62.93 %	63.97 %
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)	1.96 %	1.96 %	-1.51 %

Business

	PNB	Canara Bank	Bank Of Baroda
Segment Break-Up	Segment Break-Up Corporate Banking 33.98 Treasury Operations 31.57 Consumer Finance 29.82 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Others 4.63	Segment Break-Up Consumer Finance 42.02 Treasury Operations 21.24 Corporate Banking 30.98 Consumer Finance 0 Corporate Banking 0 Life Insurance Operation 0 Others 5.76	Segment Break-Up Retail Banking Operations 0 Treasury Operations 0 Wholesale Banking Operations 0 Consumer Finance 0 Corporate Banking 0 Life Insurance Operation 0 Others 100
Location Wise Break-Up	Location Wise Break-Up India 96.23 Rest of the World 3.77	Location Wise Break-Up India 95.74 Rest of the World 4.26	Location Wise Break-Up India 87.71 Rest of the World 12.29
Retail Loan Break-Up - Banking	Retail Loan Break-Up - Banking Core Retail 59.48 Home loans 31.61 4 Wheeler Loans 7.52 Education Loan 1.4 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 RESERVE BANK OF INDIA 0 UNSECURED REDEEMABLE BONDS 74.79 Other Institutions & Agencies 24.21 Long Term Infrastructure Bonds 0 Other banks - India 1.0 Reserve Bank of India 0 Bonds 0	-
Profit Before Tax	Profit Before Tax Treasury 36.07 Corporate & Wholesale Banking 32.45 Retail Banking 26.69 Life Insurance 0 Wholesale Banking 0 Others 4.79	Profit Before Tax Life Insurance 0 Treasury 51.32 Corporate & Wholesale Banking 0 Wholesale Banking 0 Retail Banking 48.08 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 Non Priority Sector 0 Priority Sector 39.39 Priority sector 0 Non Priority sector 0 Others 60.61	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 0 Priority Sector 27.25 Non Priority Sector 72.75
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 46.96 Small & Medium Enterprises (SME) loans 45.49 Consumer Finance 6.77 Corporate Banking 0.78 Education 0 Car/Vehicle Loans 0 Housing 0 Corporate & Others 0 Agriculture & Allied 0 Retail 0 International 0 Others 0 Agriculture 0 Corporate 0	NPA Break-Up Agricultural Loan 0 Agriculture 0 Others 0 Housing 0 Consumer Finance 0 Education 0 Car/Vehicle Loans 0 Corporate 36.43 International 0 Retail 6.35 Corporate Banking 0 Corporate 0 Agricultural 27.68 Small & Medium Enterprises (SME) loans 0 Others 29.54	NPA Break-Up Agricultural Loan 0 Agricultural 29.63 Others 0.37 Housing 0 Consumer Finance 0 Education 0 Car/Vehicle Loans 0 Corporate & Others 0 International 13.04 Retail 19.93 Corporate Banking 0 Corporate 0 Agriculture & Allied 0 Small & Medium Enterprises (SME) loans 0 Others 37.03

Punjab National Bank

Punjab National Bank

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