PNB Housing Finance Ltd. benchmarking: Performance to industry peers

Financial

	PNB Housing Finance	LIC Housing Finance	Sammaan Capital
Operational Metrics
Banks
Net Interest Margin	3.69 %	2.8 %	5.0 %
NBFC
Cost To Income Ratio	27.6 %	15.5 %	26.5 %
Cost of Borrowing	7.35 %	6.86 %	8.1 %
AUM - NBFC	90921.0 Crs	n/a	53160.0 Crs
Capital to Risks Assets Ratio (CRAR)	27.26 %	24.22 %	34.1 %
Tier I Capital	26.89 %	22.79 %	31.2 %
Gross NPA	0.93 %	2.16 %	0.0
Net NPA	0.57 %	2.75 %	0.0
Financials
5 yr Average ROE	9.99 %	12.65 %	5.43 %
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	1.34	0.73	1.11
P/E	11.24	5.43	0.0
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)	-4.48 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	29.26 %	0.49 %	3.0 %

Business

	PNB Housing Finance	LIC Housing Finance	Sammaan Capital
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Bank Loan 39.2 Deposits 25.3 NHB 14.4 NCD 10.6 ECB 7.6 CP 2.9 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 Debentures and Securities 0 Sell Down 0 Refinance 7.0 ECB 0 Bank Loans 0 NCD 0 Bank Loan 0 Term Loans from LIC of India/HUDCO 0 Upper Tier II Bonds 0 ECB(External commercial borrowing) 0 CP 0 Commercial Paper 0 Subordinated Bonds (Tier II) 0 Deposits 0 Non Convertible Debentures 46.0 NHB 0 Public Deposit 4.0 Loan From Banks 39.0 Others 4.0	Borrowing Break-Up - NBFC Debenture 36.0 Sell Down 35.0 Refinances from NHB 0 ECB 0 Bank Loan 28.0 NCD 0 Bank Loan 0 Term Loans from LIC of India/HUDCO 0 Upper Tier II Bonds 0 ECB 1.0 CP 0 Commercial Paper 0 Subordinated Bonds (Tier II) 0 Deposits 0 Non Convertible Debentures 0 NHB 0 Public Deposit 0 Loans from Scheduled Banks 0
Location Wise Break-Up	Location Wise Break-Up North India 37.0 South India 35.0 West India 28.0 Rest of the World 0 India 0	Location Wise Break-Up North India 0 West India 0 India 100.0 South India 0 Rest of the World 0	Location Wise Break-Up North India 0 West India 0 India 100.0 South India 0 Rest of the World 0
Customer Segment	Customer Segment Salaried 59.0 Self-Employed 41.0 Loans to Corporates 0	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Home loans 67.6 Non-Housing Loan 32.4 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 Retail Non- residental Premises Loans 0 Non-Housing Loan 0 Home loans 0 Retail 11.3 Construction Finance(Housing Loan) 0 Home loans 84.5 Developer Loans 2.9 Retail Loan Against Property 0 Others 1.3	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 99.99 Others 0.01	-	Segment Wise Break-Up Financing 100.0

PNB Housing Finance Ltd.

PNB Housing Finance Ltd.

Financial

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