Punjab National Bank

Financial

	PNB	Bank Of Baroda	Union Bank Of India
Operational Metrics
Banking Sector
Net Interest Margin	2.81 %	2.86 %	2.87 %
Yield On Advances	8.36 %	8.21 %	8.72 %
CASA Ratio	37.95 %	39.97 %	33.52 %
CASA vs Liabilities	32.7 %	32.13 %	29.11 %
Capital to Risks Assets Ratio (CRAR)	17.01 %	17.19 %	18.02 %
Tier 2 Capital	2.96 %	2.4 %	1.77 %
Tier I Capital	14.05 %	14.79 %	16.24 %
Cost To Income Ratio	56.21 %	49.89 %	48.91 %
Fresh Slippages - Quarterly	2904.0 Crs	2873.0 Crs	2483.0 Crs
Credit Deposit Ratio	71.28 %	82.67 %	72.91 %
Gross NPA	3.95 %	2.26 %	3.6 %
Net NPA	0.4 %	0.58 %	0.63 %
Life Insurance Sector
Management Expense Ratio - Life Insurance	16.74 %	n/a	n/a
Commission Ratio - Life Insurance	5.82 %	n/a	n/a
AUM - Life Insurance	34379.0 Crs	n/a	n/a
61 Month Persistency Ratio	48.52 %	n/a	n/a
13 Month Persistency Ratio	77.1 %	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	671.95 Crs	n/a	n/a
NBFC
Cost of Borrowing	4.76 %	5.12 %	4.94 %
Financials
5 yr Average ROE	3.94 %	8.74 %	6.47 %
5yr average Equity Multiplier	13.98	14.66	16.13
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	3.72 %	7.68 %	4.62 %
5yr Avg Net Profit Margin	3.72 %	7.68 %	4.62 %
5yr CAGR Net Profit	83.44 %	82.47 %	n/a
5yr CAGR Sales	13.74 %	9.25 %	22.26 %
5 yr CAGR PPOP	10.57 %	13.8 %	25.1 %
Price to Book	0.79	0.78	0.82
P/E	5.72	5.5	5.2
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)	1.84 %	-0.75 %	2.52 %

Business

	PNB	Bank Of Baroda	Union Bank Of India
Segment Break-Up	Segment Break-Up Corporate Banking 41.89 Treasury Operations 28.2 Consumer Finance 27.22 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Others 2.69	Segment Break-Up Consumer Finance 0 Treasure operations 0 Cooperate/Wholesale Banking 0 Corporate Banking 0 Retail banking Operations 0 Treasury Operations 0 Others 100	Segment Break-Up Consumer Finance 0 Treasury Operations 24.55 Corporate Banking 35.84 Corporate Banking 0 Consumer Finance 36.15 Treasury Operations 0 Others 3.46
Location Wise Break-Up	Location Wise Break-Up India 95.9 Rest of the World 4.1	Location Wise Break-Up Rest of the World 12.12 India 87.88	Location Wise Break-Up Rest of the World 0 India 100.0
Retail Loan Break-Up - Banking	Retail Loan Break-Up - Banking Core Retail 57.54 Home loans 33.49 4 Wheeler Loans 7.42 Education Loan 1.55 Gold Loan 0 Personal Loan 0 Mortgage Loan 0	-	-
Borrowings Break-Up	Borrowings Break-Up Bonds 50.01 Borrowings outside India 10.99 Long Term Infrastructure Bonds 3.86 0 Reserve Bank of India 0 Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Perpetual Bonds 0 Others 35.14	-	Borrowings Break-Up Long Term Infrastructure Bonds 0 Borrowings outside India 0 Reserve Bank of India 0 Bonds 0 Perpetual Bonds 35.92 Upper Tier 2 Bonds 0 Tier 2 Bonds 29.47 0 Others 34.61
Profit Before Tax	Profit Before Tax Corporate & Wholesale Banking 37.14 Treasury 32.58 Retail Banking 24.8 Others 5.48	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 70.21 Priority Sector 29.79 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 72.22 Priority Sector 27.78	Priority vs Non-Priority Sector Non Priority Sector 62.46 Priority Sector 37.54 Non Priority sector 0 Priority sector 0
MSME Loan Break-Up	MSME Loan Break-Up Others 100	-	-
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-
NPA Break-Up	NPA Break-Up Agricultural Loan 45.09 Small & Medium Enterprises (SME) loans 41.84 Consumer Finance 7.36 Corporate Banking 5.71 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 Small & Medium Enterprises (SME) loans 0 Consumer Finance 0 Agricultural 26.92 Agricultural Loan 0 Education 0 Retail 15.77 Corporate 2.32 International 16.09 Others 0.33 Car/Vehicle Loans 0 Medium & Large 0 Corporate Banking 0 Housing 0 Micro & Small (MSE) 0 Others 38.57	NPA Break-Up Small & Medium Enterprises (SME) loans 0 Consumer Finance 0 Agricultural 40.06 Agricultural Loan 0 Education 0 Retail 0 Corporate 0 International 0 Others 0 Car/Vehicle Loans 0 Medium & Large 37.36 Corporate Banking 0 Housing 0 Micro, Small and Medium Enterprises 14.01 Others 8.57

Punjab National Bank

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