Punjab & Sind Bank benchmarking: Performance to industry peers

Financial

	Punjab & Sind Bank	CentralBank of India	UCO Bank
Operational Metrics
Banks
Net Interest Margin	2.49 %	3.25 %	3.0 %
Gross NPA	2.4 %	2.67 %	2.17 %
Net NPA	0.79 %	0.49 %	0.27 %
CASA Ratio	30.77 %	47.3 %	38.65 %
CASA vs Liabilities	25.03 %	40.28 %	31.98 %
Credit Deposit Ratio	79.48 %	72.02 %	80.21 %
Capital to Risks Assets Ratio (CRAR)	17.42 %	17.91 %	18.61 %
Tier I Capital	15.9 %	15.61 %	16.59 %
Tier 2 Capital	1.49 %	2.3 %	2.02 %
Cost To Income Ratio	61.32 %	59.31 %	52.66 %
Fresh Slippages - Quarterly	355.0 Crs	1301.0 Crs	484.0 Crs
Yield On Advances	8.05 %	7.78 %	7.82 %
NBFC
Cost of Borrowing	5.44 %	4.72 %	4.47 %
Financials
5 yr Average ROE	-2.73 %	5.77 %	6.17 %
5yr average Equity Multiplier	10.5	13.76	11.6
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	1.23 %	4.67 %	5.97 %
5yr Avg Net Profit Margin	1.23 %	4.67 %	5.97 %
5yr CAGR Net Profit	n/a	n/a	76.11 %
5yr CAGR Sales	10.62 %	8.87 %	10.52 %
5 yr CAGR PPOP	21.86 %	12.19 %	7.79 %
Price to Book	1.2	0.8	1.04
P/E	12.78	6.92	12.96
Shareholdings
Promoter Holding	93.85 %	89.27 %	90.95 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-4.4 %	-3.81 %	-4.44 %
Change in Mutual Fund Holding (3 Yrs)	0.06 %	0.17 %	0.15 %

Business

	Punjab & Sind Bank	CentralBank of India	UCO Bank
Loan Break-Up	Loan Break-Up Personal Loan 23.34 Advances to industries 21.36 Agricultural 14.1 Services 0 Corporate Advances 0 MSME Advances 0 Agriculture Advances 0 Retail Advances 0 Industry 0 Personal Loans 0 0 Agriculture and allied activities 0 Others 41.2	Loan Break-Up Agricultural 0 Corporate Banking 31.02 Consumer Finance 29.87 Services 0 Industry 0 Advances to industries 0 Agricultural Loan 18.29 0 Personal Loan 0 Agriculture and allied activities 0 Personal Loans 0 Small & Medium Enterprises (SME) loans 20.81 Others 0.01	Loan Break-Up Agricultural 0 Corporate Advances 0 Retail Advances 0 Services 18.51 Industrial & Commercial 12.8 Advances to industries 0 Agriculture Advances 0 Priority Sector 1.33 Personal Loan 0 Agricultural 15.13 Personal Loan 52.23 MSME Advances 0
Segment Break-Up	Segment Break-Up Consumer Finance 48.18 Corporate Banking 28.83 Treasury Operations 22.62 Others 0.37	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Others 100	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Others 100
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 94.31 Rest of the World 5.64 Others 0.05
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 52.67 Corporate / Wholesale Banking 32.04 Treasury 13.35 Corporate/Wholesale Banking 0 Others 1.94	-	Operating Profit Break-Up Treasury 48.28 Corporate/Wholesale Banking 26.2 Retail Banking 25.15 Corporate / Wholesale Banking 0 Others 0.37
Borrowings Break-Up	Borrowings Break-Up Institutional Business 53.71 Bonds 21.08 Reserve Bank of India 16.51 Subordinated Debt 8.7 Borrowings outside 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 Break-Up Upper Tier II Bonds 0 Unsecured Redeemable NC Basel III 9.17 Reserve Bank of India 40.75 Bonds 0 Subordinated Debt 0 Borrowings outside India 0 Innovative Perpetual Debt Instrument 0 Unsecured Redeemable Bonds 0 Institutional Business 0 Others 50.08	Borrowings Break-Up Upper Tier II Bonds 0 Unsecured Redeemable NC Basel III 0 Reserve Bank of India 17.43 Bonds 0 Subordinated Debt 0 Borrowings outside India 1.04 Innovative Perpetual Debt Instrument 0 Unsecured Redeemable Bonds 0 Institutional Business 0 Others 81.53
NPA Break-Up	NPA Break-Up Agricultural 43.45 Advances to industries 38.15 Retail 10.77 Services 7.63 Corporate 0 MSME 0 Agriculture 0 Others 0 Industry 0 Personal Loans 0 0 Agriculture and allied activities 0	NPA Break-Up Agricultural 0 Services 0 MSME Sector 39.32 Corporate 10.81 Advances to industries 0 Others 0 Industry 0 0 Retail 11.09 Agriculture and allied activities 0 Personal Loans 0 Agricultural 38.78	NPA Break-Up Agricultural 0 Services 35.31 MSME 0 Corporate 0 Advances to industries 0 Others 0 Industrial & Commercial 0.08 Priority Sector 0.88 Retail 0 Agricultural 55.33 Personal Loan 8.4 Agriculture 0
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 53.01 Priority Sector 36.95 Non priority sector 0 Non Priority Sector Advance 0 Priority Sector Advance 0 Others 10.04	Priority vs Non-Priority Sector Priority Sector 46.41 Non Priority Sector 53.59 Non Priority Sector Advance 0 Non Priority Sector 0 Priority Sector Advance 0	Priority vs Non-Priority Sector Priority Sector 0 Non priority sector 0 Non Priority Sector 56.13 Non Priority Sector 0 Priority Sector 43.87
Asset Break-Up	Asset Break-Up Retail Banking 41.51 Corporate / Wholesale Banking 29.09 Treasury 28.0 Others 1.4	Asset Break-Up Treasury 39.25 Retail Banking 37.65 Corporate / Wholesale Banking 0 Others 23.1	Asset Break-Up Treasury 0 Retail Banking 0 Corporate / Wholesale Banking 0 Others 100

Punjab & Sind Bank

Punjab & Sind Bank

Financial

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