Punjab National Bank benchmarking: Performance to industry peers

Financial

	PNB	Canara Bank	Union Bank Of India
Operational Metrics
Banks
Net Interest Margin	2.47 %	2.51 %	2.64 %
Yield On Advances	7.51 %	8.29 %	7.98 %
CASA Ratio	37.0 %	29.84 %	35.21 %
CASA vs Liabilities	31.88 %	24.8 %	29.7 %
Capital to Risks Assets Ratio (CRAR)	17.74 %	17.04 %	18.1 %
Tier 2 Capital	2.59 %	2.45 %	1.47 %
Tier I Capital	15.15 %	14.59 %	15.69 %
Cost To Income Ratio	48.42 %	48.45 %	46.31 %
Fresh Slippages - Quarterly	2758.0 Crs	2771.0 Crs	2023.0 Crs
Credit Deposit Ratio	73.6 %	78.89 %	75.05 %
Gross NPA	2.95 %	1.84 %	2.82 %
Net NPA	0.29 %	0.43 %	0.48 %
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	603.99 Crs	385.87 Crs	n/a
NBFC
Cost of Borrowing	4.44 %	5.09 %	4.37 %
Financials
5 yr Average ROE	6.87 %	14.15 %	12.29 %
5yr average Equity Multiplier	14.1	17.53	15.51
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	6.21 %	8.44 %	8.83 %
5yr Avg Net Profit Margin	6.21 %	8.44 %	8.83 %
5yr CAGR Net Profit	48.47 %	43.42 %	44.48 %
5yr CAGR Sales	8.32 %	10.34 %	9.22 %
5 yr CAGR PPOP	3.55 %	9.85 %	9.57 %
Price to Book	0.79	1.0	0.93
P/E	6.42	6.6	6.37
Shareholdings
Promoter Holding	70.08 %	62.93 %	74.76 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.07 %	0.0	-8.73 %
Change in Mutual Fund Holding (3 Yrs)	1.62 %	0.48 %	1.79 %

Business

	PNB	Canara Bank	Union Bank Of India
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 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Others 2.68	Segment Break-Up Retail banking Operations 0 Corporate Banking 0 Cooperate/Wholesale Banking 0 Life Insurance Operation 0 Treasure operations 0 Treasury Operations 21.24 Corporate Banking 30.98 Consumer Finance 42.02 Consumer Finance 0 Others 5.76	Segment Break-Up Consumer Finance 37.57 Corporate Banking 0 Corporate Banking 35.95 Life Insurance Operation 0 Treasury Operations 20.79 Treasury Operations 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Consumer Finance 0 Others 5.69
Location Wise Break-Up	Location Wise Break-Up India 96.54 Rest of the World 3.46	Location Wise Break-Up Rest of the World 4.26 India 95.74	Location Wise Break-Up Rest of the World 0 India 100.0
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 Reserve Bank of India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 Others 25.29	Borrowings Break-Up Perpetual Bonds 0 Upper Tier 2 Bonds 0 Long Term Infrastructure Bonds 0 Other banks - India 1.0 UNSECURED REDEEMABLE BONDS 74.79 Bonds 0 Other Institutions & Agencies 24.21 RESERVE BANK OF INDIA 0 Borrowings outside India 0 Tier 2 Bonds 0 Reserve Bank of India 0	Borrowings Break-Up Perpetual Bonds 35.24 Upper Tier 2 Bonds 0 Long Term Infrastructure Bonds 0 OTHER BANKS 0 UNSECURED REDEEMABLE BONDS 0 Bonds 0 OTHER INSTITUTIONS AND AGENCIES 0 RESERVE BANK OF INDIA 0 Borrowings outside India 0 Tier 2 Bonds 28.92 Reserve Bank of India 0 Others 35.84
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 Corporate & Wholesale Banking 0 Treasury 51.32 Wholesale Banking 0 Life Insurance 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 vs Non-Priority Sector Priority Sector 39.39 Non Priority Sector 0 Others 60.61	Priority vs Non-Priority Sector Priority Sector 34.23 Non Priority Sector 65.77
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 Corporate & Others 0 Agriculture & Allied 0 Retail 0 Medium & Large 0 Micro & Small (MSE) 0 Agriculture 0	NPA Break-Up Corporate Banking 0 Car/Vehicle Loans 0 Micro & Small (MSE) 0 Education 0 Corporate 36.43 Agriculture 0 Medium & Large 0 Retail 6.35 Agricultural 27.68 Consumer Finance 0 Small & Medium Enterprises (SME) loans 0 Agricultural Loan 0 Housing 0 Others 29.54	NPA Break-Up Corporate Banking 0 Car/Vehicle Loans 0 Micro, Small and Medium Enterprises 22.57 Education 0 Corporate & Others 0 Agricultural 45.92 Medium & Large 15.85 Retail 0 Agriculture & Allied 0 Consumer Finance 0 Small & Medium Enterprises (SME) loans 0 Agricultural Loan 0 Housing 0 Others 15.66

Punjab National Bank

Punjab National Bank

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