PNB Housing Finance Ltd.

Financial

	PNB Housing Finance	Muthoot Microfin	Aavas Financiers
Operational Metrics
Banking Sector
Net Interest Margin	3.49 %	12.6 %	7.94 %
NBFC
Cost To Income Ratio	23.6 %	47.1 %	25.54 %
Cost of Borrowing	8.07 %	11.2 %	7.95 %
AUM - NBFC	68549.0 Crs	11458.1 Crs	16079.5 Crs
Capital to Risks Assets Ratio (CRAR)	29.53 %	29.6 %	44.8 %
Tier I Capital	27.97 %	21.87 %	44.8 %
Gross NPA	1.73 %	n/a	1.09 %
Net NPA	1.14 %	n/a	0.79 %
Financials
5 yr Average ROE	10.45 %	7.83 %	11.86 %
5yr average Equity Multiplier	8.32	4.53	3.69
5yr Average Asset Turnover Ratio	0.1	0.18	0.12
5yr Avg Net Profit Margin	12.98 %	9.7 %	26.5 %
5yr Avg Net Profit Margin	12.98 %	9.7 %	26.5 %
5yr CAGR Net Profit	-2.57 %	-4.02 %	19.54 %
5yr CAGR Sales	-0.07 %	14.02 %	17.76 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.42	0.0	3.69
P/E	14.96	24.6	27.28
Shareholdings
Promoter Holding	28.13 %	55.47 %	26.47 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-4.51 %	0.0	-23.61 %
Change in Mutual Fund Holding (3 Yrs)	1.29 %	0.02 %	17.5 %

Business

	PNB Housing Finance	Muthoot Microfin	Aavas Financiers
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Bank Loan 42.0 Deposits 32.3 NCD 10.5 NHB 6.3 CP 6.1 ECB 2.7 Redeemable Non-convertible Debentures 0 Borrowings under Securitization 0 Financial Institutions 0 Banks 0 Others 0.1	Borrowing Break-Up - NBFC NCD 0 Borrowings under Securitization 12.68 CP 0 Bank Loan 0 Financial Institutions 18.1 Deposits 0 ECB 0 Redeemable Non-convertible Debentures 20.35 NHB 0 Banks 44.97 Others 3.9	-
Location Wise Break-Up	Location Wise Break-Up South India 37.0 North India 35.0 West India 28.0 East India 0 India 0	Location Wise Break-Up North India 20.83 South India 55.96 India 0 West India 9.88 East India 13.33	Location Wise Break-Up North India 0 South India 0 India 100.0 West India 0 East India 0
Customer Segment	Customer Segment Salaried 60.5 Self-Employed 39.5 Loans to Corporates 0 Self Emplyoed 0	-	Customer Segment Self-Employed 0 Loans to Corporates 0 Salaried 40.2 Self-Employed 59.8
AUM Break-Up - NBFC	AUM Break-Up - NBFC Home loans 71.8 Non-Housing Loan 28.2 Retail Non- residental Premises Loans 0 Retail Loan Against Property 0 Construction Finance(Housing Loan) 0	-	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	-	-