Punjab & Sind Bank benchmarking: Perfomance to industry peers

Financial

	Punjab & Sind Bank	CentralBank of India	UCO Bank
Operational Metrics
Banking Sector
Net Interest Margin	2.52 %	3.16 %	2.96 %
Gross NPA	3.34 %	3.13 %	2.63 %
Net NPA	0.91 %	0.49 %	0.45 %
CASA Ratio	30.59 %	46.88 %	36.91 %
CASA vs Liabilities	24.84 %	41.79 %	30.14 %
Credit Deposit Ratio	76.19 %	62.55 %	75.38 %
Capital to Risks Assets Ratio (CRAR)	17.9 %	17.66 %	18.39 %
Tier I Capital	16.02 %	15.48 %	16.36 %
Tier 2 Capital	1.88 %	2.18 %	2.03 %
Cost To Income Ratio	60.55 %	55.43 %	54.06 %
Fresh Slippages - Quarterly	203.0 Crs	839.0 Crs	608.0 Crs
Yield On Advances	8.47 %	8.58 %	8.26 %
NBFC
Cost of Borrowing	5.77 %	4.95 %	4.73 %
Financials
5 yr Average ROE	-2.73 %	5.77 %	6.17 %
5yr average Equity Multiplier	10.5	13.76	11.6
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	1.23 %	4.67 %	5.97 %
5yr Avg Net Profit Margin	1.23 %	4.67 %	5.97 %
5yr CAGR Net Profit	n/a	n/a	76.11 %
5yr CAGR Sales	10.62 %	8.87 %	10.52 %
5 yr CAGR PPOP	21.86 %	12.19 %	7.79 %
Price to Book	1.55	0.9	1.26
P/E	19.2	7.98	15.82
Shareholdings
Promoter Holding	93.85 %	89.27 %	90.95 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-4.4 %	-3.81 %	-4.44 %
Change in Mutual Fund Holding (3 Yrs)	0.08 %	0.19 %	0.11 %

Business

	Punjab & Sind Bank	CentralBank of India	UCO Bank
Loan Break-Up	Loan Break-Up Personal Loan 22.58 Advances to industries 18.73 Agricultural 12.69 Services 0 Corporate Advances 0 MSME Advances 0 Agriculture Advances 0 Retail Advances 0 Industry 0 Personal Loans 0 0 Agriculture and allied activities 0 Others 46.0	Loan Break-Up Advances to industries 0 Small & Medium Enterprises (SME) loans 21.92 Services 0 0 Consumer Finance 30.9 Agricultural Loan 19.25 Personal Loans 0 Agricultural 0 Personal Loan 0 Industry 0 Corporate Banking 27.93 Agriculture and allied activities 0	Loan Break-Up Advances to industries 0 MSME Advances 0 Services 18.51 Priority Sector 1.33 Retail Advances 0 Agriculture Advances 0 Personal Loan 52.23 Agricultural 0 Personal Loan 0 Industrial & Commercial 12.8 Corporate Advances 0 Agricultural 15.13
Segment Break-Up	Segment Break-Up Consumer Finance 37.45 Corporate Banking 31.91 Treasury Operations 30.43 Others 0.21	Segment Break-Up Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Others 100	Segment Break-Up Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Others 100
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 93.6 Rest of the World 6.4
Operating Profit Break-Up	Operating Profit Break-Up Treasury 46.94 Retail Banking 28.12 Corporate / Wholesale Banking 23.96 Corporate/Wholesale Banking 0 Others 0.98	-	Operating Profit Break-Up Retail Banking 20.85 Treasury 51.25 Corporate/Wholesale Banking 23.05 Corporate / Wholesale Banking 0 Others 4.85
Borrowings Break-Up	Borrowings Break-Up Institutional Business 53.71 Bonds 21.08 Reserve Bank of India 16.51 Subordinated Debt 8.7 Borrowings outside 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 Break-Up Subordinated Debt 0 Innovative Perpetual Debt Instrument 0 Institutional Business 0 Upper Tier II Bonds 0 Bonds 0 Unsecured Redeemable Bonds 0 Borrowings outside India 0 Unsecured Redeemable NC Basel III 9.17 Reserve Bank of India 40.75 Others 50.08	Borrowings Break-Up Subordinated Debt 0 Innovative Perpetual Debt Instrument 0 Institutional Business 0 Upper Tier II Bonds 0 Bonds 0 Unsecured Redeemable Bonds 0 Borrowings outside India 1.04 Unsecured Redeemable NC Basel III 0 Reserve Bank of India 17.43 Others 81.53
NPA Break-Up	NPA Break-Up Advances to industries 40.34 Agricultural 36.42 Retail 12.1 Services 0 Corporate 0 MSME 0 Agriculture 0 Others 0 Industry 0 Personal Loans 0 0 Agriculture and allied activities 0 Others 11.14	NPA Break-Up Advances to industries 0 0 Services 0 MSME Sector 35.89 Agricultural 38.71 Retail 10.65 Personal Loans 0 Agricultural 0 Others 0 Industry 0 Corporate 14.75 Agriculture and allied activities 0	NPA Break-Up Advances to industries 0 Priority Sector 0.88 Services 35.31 MSME 0 Agriculture 0 Retail 0 Personal Loan 8.4 Agricultural 0 Others 0 Industrial & Commercial 0.08 Corporate 0 Agricultural 55.33
Asset Break-Up	Asset Break-Up Retail Banking 36.68 Corporate / Wholesale Banking 31.25 Treasury 30.33 Others 1.74	Asset Break-Up Retail Banking 37.79 Corporate / Wholesale Banking 0 Treasury 41.27 Others 20.94	Asset Break-Up Retail Banking 0 Corporate / Wholesale Banking 0 Treasury 0 Others 100
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 53.01 Priority Sector 36.95 Non priority sector 0 Non Priority Sector Advance 0 Priority Sector Advance 0 Others 10.04	Priority vs Non-Priority Sector Non Priority Sector Advance 0 Priority Sector Advance 0 Priority Sector 46.41 Non Priority Sector 0 Non Priority Sector 53.59	Priority vs Non-Priority Sector Non Priority Sector 56.13 Priority Sector 43.87 Priority Sector 0 Non Priority Sector 0 Non priority sector 0

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