Punjab National Bank benchmarking: Performance to industry peers

Financial

	PNB	Union Bank Of India	Canara Bank
Operational Metrics
Banks
Net Interest Margin	2.47 %	2.64 %	2.51 %
Yield On Advances	7.51 %	7.98 %	8.29 %
CASA Ratio	37.0 %	35.21 %	29.84 %
CASA vs Liabilities	31.88 %	29.7 %	24.8 %
Capital to Risks Assets Ratio (CRAR)	17.74 %	18.1 %	17.04 %
Tier 2 Capital	2.59 %	1.47 %	2.45 %
Tier I Capital	15.15 %	15.69 %	14.59 %
Cost To Income Ratio	48.42 %	46.31 %	48.45 %
Fresh Slippages - Quarterly	2758.0 Crs	2023.0 Crs	2771.0 Crs
Credit Deposit Ratio	73.6 %	75.05 %	78.89 %
Gross NPA	2.95 %	2.82 %	1.84 %
Net NPA	0.29 %	0.48 %	0.43 %
Life Insurance
Management Expense Ratio - Life Insurance	20.22 %	n/a	n/a
Commission Ratio - Life Insurance	6.0 %	n/a	n/a
AUM - Life Insurance	34379.0 Crs	n/a	n/a
61 Month Persistency Ratio	49.2 %	n/a	n/a
13 Month Persistency Ratio	80.27 %	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	266.97 Crs	n/a	155.55 Crs
NBFC
Cost of Borrowing	4.44 %	4.37 %	5.09 %
Financials
5 yr Average ROE	8.86 %	14.28 %	16.55 %
5yr average Equity Multiplier	14.05	14.55	16.96
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	8.13 %	11.22 %	10.15 %
5yr Avg Net Profit Margin	8.13 %	11.22 %	10.15 %
5yr CAGR Net Profit	36.65 %	29.84 %	23.89 %
5yr CAGR Sales	11.09 %	9.45 %	10.19 %
5 yr CAGR PPOP	7.05 %	5.6 %	7.08 %
Price to Book	0.81	0.93	0.98
P/E	6.58	6.41	6.45
Shareholdings
Promoter Holding	70.08 %	74.76 %	62.93 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.07 %	-8.73 %	0.0
Change in Mutual Fund Holding (3 Yrs)	1.62 %	1.79 %	0.48 %

Business

	PNB	Union Bank Of India	Canara Bank
Segment Break-Up	Segment Break-Up Corporate Banking 41.86 Consumer Finance 28.39 Treasury Operations 28.22 Cooperate/Wholesale Banking 0 Retail banking Operations 0 Treasure operations 0 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Others 1.53	Segment Break-Up Consumer Finance 37.57 Retail Banking Operations 0 Consumer Finance 0 Treasury Operations 0 Corporate Banking 35.95 Corporate Banking 0 Life Insurance Operation 0 Wholesale Banking Operations 0 Treasury Operations 20.79 Others 5.69	Segment Break-Up Retail banking Operations 0 Consumer Finance 46.84 Consumer Finance 0 Treasury Operations 18.73 Cooperate/Wholesale Banking 0 Corporate Banking 0 Life Insurance Operation 0 Corporate Banking 34.43 Treasure operations 0
Location Wise Break-Up	Location Wise Break-Up India 95.45 Rest of the World 4.55	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 95.54 Rest of the World 4.46
Retail Loan Break-Up - Banking	Retail Loan Break-Up - Banking Core Retail 59.11 Home loans 30.49 4 Wheeler Loans 8.27 Education Loan 2.13 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 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Others 25.29	Borrowings Break-Up Tier 2 Bonds 9.0 Upper Tier 2 Bonds 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 UNSECURED REDEEMABLE BONDS 0 Long Term Infrastructure Bonds 0 OTHER INSTITUTIONS AND AGENCIES 0 Perpetual Bonds 10.34 Borrowings outside India 0 Reserve Bank of India 5.18 Bonds 0 Others 75.48	Borrowings Break-Up Tier 2 Bonds 0 Upper Tier 2 Bonds 0 Other banks - India 1.0 RESERVE BANK OF INDIA 0 UNSECURED REDEEMABLE BONDS 74.79 Long Term Infrastructure Bonds 0 Other Institutions & Agencies 24.21 Perpetual Bonds 0 Borrowings outside India 0 Reserve Bank of India 0 Bonds 0
Profit Before Tax	Profit Before Tax Corporate & Wholesale Banking 48.06 Retail Banking 33.39 Treasury 18.56 Life Insurance 0 Wholesale Banking 0	-	Profit Before Tax Retail Banking 60.34 Corporate & Wholesale Banking 0 Life Insurance 0 Wholesale Banking 1.92 Treasury 37.74
NPA Break-Up	NPA Break-Up Agricultural Loan 48.84 Small & Medium Enterprises (SME) loans 44.43 Consumer Finance 5.55 Corporate Banking 1.19 Education 0 Car/Vehicle Loans 0 Housing 0 Medium & Large 0 Micro & Small (MSE) 0 Agriculture 0 Corporate & Others 0 Agriculture & Allied 0 Retail 0	NPA Break-Up Housing 0 Agriculture & Allied 0 Consumer Finance 0 Corporate Banking 0 Small & Medium Enterprises (SME) loans 0 Car/Vehicle Loans 0 Agricultural 45.92 Agricultural Loan 0 Retail 0 Corporate & Others 0 Medium & Large 15.85 Micro, Small and Medium Enterprises 22.57 Education 0 Others 15.66	NPA Break-Up Housing 0 Agricultural 27.69 Consumer Finance 0 Corporate Banking 0 Small & Medium Enterprises (SME) loans 0 Car/Vehicle Loans 0 Agriculture 0 Agricultural Loan 0 Retail 5.38 Corporate 34.74 Medium & Large 0 Micro & Small (MSE) 0 Education 0 Others 32.19
MSME Loan Break-Up	MSME Loan Break-Up Others 100	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 70.37 Priority Sector 29.63 Non Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 34.35 Non Priority Sector 65.65	Priority vs Non-Priority Sector Priority Sector 39.39 Non Priority Sector 0 Others 60.61
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-

Punjab National Bank

Punjab National Bank

Financial

Business

SIGN UP FOR FREE