Punjab National Bank

Financial

	PNB	Bank Of Baroda	Canara Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.15 %	3.1 %	3.03 %
Yield On Advances	8.45 %	6.5 %	8.6 %
CASA Ratio	42.47 %	40.69 %	31.65 %
CASA vs Liabilities	36.88 %	32.18 %	26.47 %
Capital to Risks Assets Ratio (CRAR)	14.63 %	14.72 %	15.78 %
Tier 2 Capital	2.9 %	2.05 %	2.4 %
Tier I Capital	11.73 %	12.67 %	13.38 %
Cost To Income Ratio	51.18 %	49.57 %	50.37 %
Fresh Slippages - Quarterly	1594.0 Crs	2363.0 Crs	2697.0 Crs
Credit Deposit Ratio	69.24 %	82.39 %	75.26 %
Gross NPA	6.24 %	3.08 %	4.39 %
Net NPA	0.96 %	0.7 %	1.32 %
Life Insurance Sector
Management Expense Ratio - Life Insurance	22.52 %	n/a	n/a
Commission Ratio - Life Insurance	6.62 %	n/a	n/a
AUM - Life Insurance	34379.0 Crs	n/a	n/a
61 Month Persistency Ratio	46.09 %	n/a	n/a
13 Month Persistency Ratio	78.29 %	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	552.49 Crs	n/a	n/a
NBFC
Cost of Borrowing	4.42 %	4.96 %	4.93 %
Financials
5 yr Average ROE	-2.75 %	5.95 %	5.63 %
5yr average Equity Multiplier	14.51	14.88	18.29
5yr Average Asset Turnover Ratio	0.07	0.07	0.08
5yr Avg Net Profit Margin	-0.99 %	5.39 %	3.51 %
5yr Avg Net Profit Margin	-0.99 %	5.39 %	3.51 %
5yr CAGR Net Profit	n/a	68.42 %	79.63 %
5yr CAGR Sales	10.73 %	12.75 %	13.96 %
5 yr CAGR PPOP	11.73 %	14.24 %	20.63 %
Price to Book	1.38	1.17	1.25
P/E	19.69	7.34	7.64
Shareholdings
Promoter Holding	73.15 %	63.97 %	62.93 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.72 %	0.0	-6.4 %
Change in Mutual Fund Holding (3 Yrs)	2.51 %	-0.61 %	2.46 %

Business

	PNB	Bank Of Baroda	Canara Bank
Segment Break-Up	Segment Break-Up Corporate Banking 44.78 Consumer Finance 29.62 Treasury Operations 23.76 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Others 1.84	Segment Break-Up Wholesale Banking Operations 0 Consumer Finance 0 Treasury Operations 0 Retail Banking Operations 0 Corporate Banking 0 Life Insurance Operation 0 Others 100	Segment Break-Up Corporate Banking 29.62 Consumer Finance 0 Treasury Operations 17.12 Consumer Finance 43.8 Corporate Banking 0 Life Insurance Business 9.46
Location Wise Break-Up	Location Wise Break-Up India 96.22 Rest of the World 3.78	Location Wise Break-Up Rest of the World 8.89 India 91.11	Location Wise Break-Up Rest of the World 4.46 India 95.54
Retail Loan Break-Up - Banking	Retail Loan Break-Up - Banking Home loans 42.28 Personal Loan 9.66 4 Wheeler Loans 9.07 Core Retail 0 Gold Loan 0 Mortgage Loan 0 Education Loan 0 Others 38.99	-	-
Borrowings Break-Up	Borrowings Break-Up Bonds 41.63 Borrowings outside India 17.79 Long Term Infrastructure Bonds 3.99 0 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Others 36.59	-	Borrowings Break-Up Reserve Bank of India 1.46 0 UNSECURED REDEEMABLE BONDS 52.93 Borrowings outside India 0 Other banks - India 0.66 Long Term Infrastructure Bonds 0 Bonds 0 Other Institutions & Agencies 34.14 Others 10.81
Profit Before Tax	Profit Before Tax Corporate & Wholesale Banking 37.31 Retail Banking 35.47 Treasury 24.03 Life Insurance 0 Wholesale Banking 0 Others 3.19	-	Profit Before Tax Treasury 22.79 Life Insurance 0.8 Retail Banking 76.4 Wholesale Banking 0 Corporate & Wholesale Banking 0 Others 0.01
NPA Break-Up	NPA Break-Up Agricultural Loan 38.54 Small & Medium Enterprises (SME) loans 36.7 Corporate Banking 13.38 Consumer Finance 8.7 Education 0 Car/Vehicle Loans 0 Housing 0 International 0 Others 0 Agriculture 0 Retail 0 Corporate 0 Corporate & Others 0 Agriculture & Allied 0 Others 2.68	NPA Break-Up Consumer Finance 0 Housing 0 Retail 9.39 Corporate Banking 0 Agricultural 20.83 Corporate & Others 0 Education 0 Others 0.26 Agricultural Loan 0 Car/Vehicle Loans 0 Agriculture & Allied 0 Small & Medium Enterprises (SME) loans 0 International 29.24 Corporate 6.86 Others 33.42	NPA Break-Up Consumer Finance 0 Housing 0 Retail 5.51 Corporate Banking 0 Agriculture 0 Corporate 47.53 Education 0 Others 0 Agricultural Loan 0 Car/Vehicle Loans 0 Agricultural 19.41 Small & Medium Enterprises (SME) loans 0 International 0 Corporate 0 Others 27.55
MSME Loan Break-Up	MSME Loan Break-Up Others 100	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 69.57 Priority Sector 30.43 Non Priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Priority Sector 0 Non Priority Sector 71.58 Non Priority Sector 0 Priority Sector 28.42	Priority vs Non-Priority Sector Priority Sector 44.29 Non Priority sector 0 Non Priority Sector 0 Priority sector 0 Others 55.71
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-

Punjab National Bank

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