Punjab & Sind Bank

Financial

	Punjab & Sind Bank	CentralBank of India	Bank of Maharashtra
Operational Metrics
Banking Sector
Net Interest Margin	3.19 %	3.17 %	4.01 %
Gross NPA	3.38 %	3.18 %	1.74 %
Net NPA	0.96 %	0.55 %	0.18 %
CASA Ratio	31.43 %	48.91 %	53.28 %
CASA vs Liabilities	25.21 %	42.07 %	44.33 %
Credit Deposit Ratio	76.75 %	68.6 %	76.86 %
Capital to Risks Assets Ratio (CRAR)	17.41 %	17.02 %	20.53 %
Tier I Capital	15.59 %	14.73 %	16.86 %
Tier 2 Capital	1.82 %	2.29 %	3.67 %
Cost To Income Ratio	54.61 %	61.57 %	38.5 %
Fresh Slippages - Quarterly	268.0 Crs	1366.0 Crs	660.0 Crs
Yield On Advances	9.69 %	8.54 %	9.3 %
NBFC
Cost of Borrowing	5.85 %	4.92 %	4.3 %
Financials
5 yr Average ROE	-8.44 %	1.97 %	12.95 %
5yr average Equity Multiplier	11.67	14.47	16.06
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	-2.57 %	1.77 %	9.2 %
5yr Avg Net Profit Margin	-2.57 %	1.77 %	9.2 %
5yr CAGR Net Profit	n/a	n/a	59.15 %
5yr CAGR Sales	4.34 %	5.43 %	12.31 %
5 yr CAGR PPOP	0.61 %	11.2 %	22.96 %
Price to Book	1.56	0.9	1.36
P/E	20.48	8.46	7.03
Shareholdings
Promoter Holding	93.85 %	89.27 %	79.6 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-4.4 %	-3.81 %	-11.37 %
Change in Mutual Fund Holding (3 Yrs)	0.01 %	0.15 %	0.81 %

Business

	Punjab & Sind Bank	CentralBank of India	Bank of Maharashtra
Segment Break-Up	Segment Break-Up Consumer Finance 57.47 Treasury Operations 24.41 Corporate Banking 17.86 Corporate/ Wholesale Banking 0 Others 0.26	Segment Break-Up Treasury Operations 0 Corporate/ Wholesale Banking 0 Corporate Banking 0 Consumer Finance 0 Others 100	Segment Break-Up Treasury Operations 0 Corporate Banking 34.43 Corporate Banking 0 Consumer Finance 0 Others 65.57
Loan Break-Up	Loan Break-Up Personal Loan 22.16 Advances to industries 19.48 Agricultural 13.51 Services 0 Corporate Advances 0 MSME Advances 0 Agriculture Advances 0 Retail Advances 0 Corporate & Others 0 0 Agriculture Sector 0 Retail Sector 0 Others 44.85	Loan Break-Up Consumer Finance 28.4 Agriculture Sector 0 Services 0 Retail Sector 0 0 Corporate Banking 33.1 Agricultural Loan 18.08 Corporate & Others 0 Agricultural 0 Small & Medium Enterprises (SME) loans 20.42 Personal Loan 0 Advances to industries 0	Loan Break-Up Retail Advances 0 Agricultural 14.82 Services 0 Retail 27.04 MSME Sector 20.17 Corporate Advances 0 Agriculture Advances 0 Corporate 37.97 Agricultural 0 MSME Advances 0 Personal Loan 0 Advances to industries 0
Location Wise Break-Up	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 52.46 Corporate / Wholesale Banking 29.34 Treasury 17.44 Corporate & Wholesale Banking 0 Others 0.76	-	Operating Profit Break-Up Retail Banking 22.37 Corporate / Wholesale Banking 0 Corporate & Wholesale Banking 53.74 Treasury 23.88 Others 0.01
Borrowings Break-Up	Borrowings Break-Up Institutional Business 81.2 Subordinated Debt 12.66 Borrowings outside India 0 Bonds 0 Reserve Bank Of India 0 Unsecured Redeemable NC Basel III 0 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 Unsecured Redeemable Bonds 0 Reserve Bank of India 0 Borrowings Outside India 0 Infra Bonds 0 Subordinated Debt Bonds 0 0 0 Others 6.14	Borrowings Break-Up Innovative Perpetual Debt Instrument 0 Bonds 0 Unsecured Redeemable Bonds 0 Reserve Bank of India 55.01 0 Infra Bonds 0 Borrowings Outside India 0 Institutional Business 0 Unsecured Redeemable NC Basel III 14.99 Subordinated Debt 0 Reserve Bank Of India 0 0 Subordinated Debt Bonds 0 Upper Tier II Bonds 0 Borrowings outside India 0 Others 30.0	Borrowings Break-Up Innovative Perpetual Debt Instrument 0 Bonds 0 Unsecured Redeemable Bonds 0 Reserve Bank of India 0 Innovative Perpetual Debt Instruments (IPDI) 24.36 Infra Bonds 0 Borrowings Outside India 0 Institutional Business 0 Unsecured Redeemable NC Basel III 0 Subordinated Debt 0 Reserve Bank Of India 0 Hybrid Debt Capital Instruments issued as Bonds 48.29 Subordinated Debt Bonds 0 Upper Tier II Bonds 0 Borrowings outside India 0 Others 27.35
Asset Break-Up	Asset Break-Up Retail Banking 37.99 Corporate / Wholesale Banking 30.89 Treasury 29.45 RETAIL BANKING 0 CORPORATE/ WHOLESALE BANKING 0 TREASURY 0 Others 1.67	Asset Break-Up TREASURY 0 Treasury 38.23 Corporate / Wholesale Banking 0 Retail Banking 36.88 RETAIL BANKING 0 CORPORATE/ WHOLESALE BANKING 0 Others 24.89	Asset Break-Up TREASURY 30.33 Treasury 0 Corporate / Wholesale Banking 0 Retail Banking 0 RETAIL BANKING 30.81 CORPORATE/ WHOLESALE BANKING 34.2 Others 4.66
NPA Break-Up	NPA Break-Up Advances to industries 40.18 Agricultural 37.51 Retail 11.66 Services 0 Corporate 0 MSME 0 Agriculture 0 Large Corporate & Other 0 Medium 0 Micro & Small 0 Others 10.65	NPA Break-Up Large Corporate & Other 0 Micro & Small 0 Services 0 Corporate 14.96 Retail 10.84 MSME Sector 34.53 Agricultural 39.67 Agricultural 0 Advances to industries 0 Medium 0	NPA Break-Up Large Industries 2.68 Micro, Small and Medium Enterprises 22.2 Services 0 Corporate 0 Retail 4.64 MSME 0 Agricultural 70.49 Agricultural 0 Advances to industries 0 Medium 0
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 62.04 Priority Sector 37.96 Non priority sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Non Priority Sector 53.07 Priority Sector 46.93	-

Punjab & Sind Bank

SIGN UP FOR FREE