PNB Housing Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	PNB Housing Finance	LIC Housing Finance	Sammaan Capital
Operational Metrics
Banks
Net Interest Margin	3.67 %	2.62 %	6.9 %
NBFC
Cost To Income Ratio	25.9 %	13.9 %	20.8 %
Cost of Borrowing	7.69 %	7.42 %	8.1 %
AUM - NBFC	83879.0 Crs	n/a	62378.0 Crs
Capital to Risks Assets Ratio (CRAR)	29.8 %	23.2 %	34.8 %
Tier I Capital	29.21 %	21.7 %	31.2 %
Gross NPA	1.04 %	2.51 %	1.5 %
Net NPA	0.69 %	2.75 %	0.8 %
Financials
5 yr Average ROE	9.99 %	12.65 %	3.78 %
5yr average Equity Multiplier	6.09	9.92	4.35
5yr Average Asset Turnover Ratio	0.1	0.08	0.12
5yr Avg Net Profit Margin	17.68 %	14.96 %	6.31 %
5yr Avg Net Profit Margin	17.68 %	14.96 %	6.31 %
5yr CAGR Net Profit	15.8 %	14.71 %	n/a
5yr CAGR Sales	0.51 %	7.17 %	-1.28 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.36	0.82	0.69
P/E	11.39	5.74	12.19
Shareholdings
Promoter Holding	28.04 %	45.24 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-4.53 %	0.0	-9.59 %
Change in Mutual Fund Holding (3 Yrs)	26.99 %	3.86 %	9.17 %

Business

	PNB Housing Finance	LIC Housing Finance	Sammaan Capital
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Bank Loan 36.1 Deposits 28.0 NHB 13.9 NCD 10.8 ECB 5.8 CP 5.4 Term Loans from LIC of India/HUDCO 0 Commercial Paper 0 Upper Tier II Bonds 0 Subordinated Bonds (Tier II) 0 Non Convertible Debentures 0 Refinances from NHB 0 Loans from Scheduled Banks 0 Public Deposit 0 Debentures and Securities 0 Bank Loans 0 Sell Down 0 ECB(External commercial borrowing) 0	Borrowing Break-Up - NBFC Commercial Paper 0 CP 0 NHB 0 Loan From Banks 35.0 Deposits 0 ECB(External commercial borrowing) 0 Sell Down 0 Public Deposit 4.0 Refinance 4.0 NCD 0 Term Loans from LIC of India/HUDCO 0 Subordinated Bonds (Tier II) 0 Debentures and Securities 0 Non Convertible Debentures 53.0 Bank Loans 0 ECB 0 Upper Tier II Bonds 0 Bank Loan 0 Others 4.0	Borrowing Break-Up - NBFC Commercial Paper 0 CP 0 NHB 0 Loans from Scheduled Banks 0 Deposits 0 ECB 1.0 Sell Down 35.0 Public Deposit 0 Refinances from NHB 0 NCD 0 Term Loans from LIC of India/HUDCO 0 Subordinated Bonds (Tier II) 0 Debenture 36.0 Non Convertible Debentures 0 Bank Loan 28.0 ECB 0 Upper Tier II Bonds 0 Bank Loan 0
Location Wise Break-Up	Location Wise Break-Up South India 38.0 North India 35.0 West India 27.0 Rest of the World 0 India 0	Location Wise Break-Up North India 0 Rest of the World 0 South India 0 West India 0 India 100.0	Location Wise Break-Up North India 0 Rest of the World 0 South India 0 West India 0 India 100.0
Customer Segment	Customer Segment Salaried 60.3 Self-Employed 39.7 Loans to Corporates 0	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Home loans 72.8 Non-Housing Loan 27.2 Retail Non- residental Premises Loans 0 Retail Loan Against Property 0 Construction Finance(Housing Loan) 0 Retail LAP/Other 0 Developer Loans 0 Retail Home Loans 0	AUM Break-Up - NBFC Non-Housing Loan 0 Construction Finance(Housing Loan) 0 Retail Loan Against Property 0 Retail 10.9 Developer Loans 2.8 Retail Non- residental Premises Loans 0 Home loans 0 Home loans 84.7 Others 1.6	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	-	Segment Wise Break-Up Financing 100.0

PNB Housing Finance Ltd.

PNB Housing Finance Ltd.

Financial

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