Punjab National Bank

Financial

	PNB	Bank Of Baroda	Union Bank Of India
Operational Metrics
Banking Sector
Net Interest Margin	2.7 %	2.91 %	2.76 %
Yield On Advances	8.14 %	8.09 %	8.5 %
CASA Ratio	36.99 %	39.33 %	32.52 %
CASA vs Liabilities	32.07 %	31.21 %	26.98 %
Capital to Risks Assets Ratio (CRAR)	17.5 %	17.61 %	18.3 %
Tier 2 Capital	2.88 %	2.46 %	1.72 %
Tier I Capital	14.62 %	15.15 %	16.58 %
Cost To Income Ratio	55.31 %	48.87 %	49.19 %
Fresh Slippages - Quarterly	1792.0 Crs	3476.0 Crs	2199.0 Crs
Credit Deposit Ratio	68.7 %	83.23 %	76.4 %
Gross NPA	3.78 %	2.28 %	3.52 %
Net NPA	0.38 %	0.6 %	0.62 %
Life Insurance Sector
Management Expense Ratio - Life Insurance	17.24 %	n/a	n/a
Commission Ratio - Life Insurance	6.29 %	n/a	n/a
AUM - Life Insurance	34379.0 Crs	n/a	n/a
61 Month Persistency Ratio	47.91 %	n/a	n/a
13 Month Persistency Ratio	75.49 %	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	483.92 Crs	n/a	n/a
NBFC
Cost of Borrowing	4.7 %	5.05 %	4.89 %
Financials
5 yr Average ROE	6.87 %	11.48 %	12.29 %
5yr average Equity Multiplier	14.1	14.05	15.51
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	6.21 %	10.18 %	8.83 %
5yr Avg Net Profit Margin	6.21 %	10.18 %	8.83 %
5yr CAGR Net Profit	48.47 %	68.01 %	44.48 %
5yr CAGR Sales	8.32 %	11.29 %	9.22 %
5 yr CAGR PPOP	3.55 %	10.27 %	9.57 %
Price to Book	0.87	0.81	0.82
P/E	7.19	6.36	5.31
Shareholdings
Promoter Holding	70.08 %	63.97 %	74.76 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.07 %	0.0	-8.74 %
Change in Mutual Fund Holding (3 Yrs)	2.39 %	-2.33 %	2.72 %

Business

	PNB	Bank Of Baroda	Union Bank Of India
Segment Break-Up	Segment Break-Up Corporate Banking 41.79 Treasury Operations 28.52 Consumer Finance 26.51 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Others 3.18	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Treasure operations 0 Cooperate/Wholesale Banking 0 Treasury Operations 0 Retail banking Operations 0 Others 100	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Treasury Operations 26.63 Corporate Banking 34.12 Treasury Operations 0 Consumer Finance 36.46 Others 2.79
Location Wise Break-Up	Location Wise Break-Up India 96.39 Rest of the World 3.61	Location Wise Break-Up India 89.09 Rest of the World 10.91	Location Wise Break-Up India 100.0 Rest of the World 0
Retail Loan Break-Up - Banking	Retail Loan Break-Up - Banking Core Retail 57.52 Home loans 33.47 4 Wheeler Loans 7.5 Education Loan 1.51 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 Reserve Bank of India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 Others 25.29	-	Borrowings Break-Up Long Term Infrastructure Bonds 0 Upper Tier 2 Bonds 0 Borrowings outside India 0 Perpetual Bonds 35.24 Bonds 0 Reserve Bank of India 0 Tier 2 Bonds 28.92 Others 35.84
Profit Before Tax	Profit Before Tax Corporate & Wholesale Banking 38.58 Retail Banking 29.6 Treasury 25.93 Others 5.89	-	-
NPA Break-Up	NPA Break-Up Agricultural Loan 44.95 Small & Medium Enterprises (SME) loans 43.0 Consumer Finance 7.51 Corporate Banking 4.54 Education 0 Car/Vehicle Loans 0 Housing 0 International 0 Others 0 Agriculture 0 Retail 0 Corporate 0 Medium & Large 0 Micro & Small (MSE) 0	NPA Break-Up Corporate Banking 0 Consumer Finance 0 Housing 0 International 14.53 Retail 16.67 Medium & Large 0 Car/Vehicle Loans 0 Others 0.29 Small & Medium Enterprises (SME) loans 0 Corporate 0.82 Education 0 Agricultural 27.3 Micro & Small (MSE) 0 Agricultural Loan 0 Others 40.39	NPA Break-Up Corporate Banking 0 Consumer Finance 0 Housing 0 International 0 Retail 0 Medium & Large 31.46 Car/Vehicle Loans 0 Others 0 Small & Medium Enterprises (SME) loans 0 Corporate 0 Education 0 Agricultural 42.12 Micro, Small and Medium Enterprises 18.5 Agricultural Loan 0 Others 7.92
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 70.37 Priority Sector 29.63 Non Priority sector 0 Priority sector 0 Non Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 0 Non Priority Sector 72.75 Priority Sector 27.25	Priority vs Non-Priority Sector Non Priority Sector 65.77 Priority Sector 34.23 Non Priority sector 0 Priority sector 0
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-
MSME Loan Break-Up	MSME Loan Break-Up Others 100	-	-

Punjab National Bank

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