Punjab & Sind Bank

Financial

	Punjab & Sind Bank	CentralBank of India	UCO Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.19 %	3.17 %	3.0 %
Gross NPA	3.38 %	3.18 %	2.69 %
Net NPA	0.96 %	0.55 %	0.5 %
CASA Ratio	31.43 %	48.91 %	37.91 %
CASA vs Liabilities	25.21 %	42.07 %	30.7 %
Credit Deposit Ratio	76.75 %	68.6 %	74.94 %
Capital to Risks Assets Ratio (CRAR)	17.41 %	17.02 %	18.49 %
Tier I Capital	15.59 %	14.73 %	16.37 %
Tier 2 Capital	1.82 %	2.29 %	2.12 %
Cost To Income Ratio	54.61 %	61.57 %	58.47 %
Fresh Slippages - Quarterly	268.0 Crs	1366.0 Crs	488.0 Crs
Yield On Advances	9.69 %	8.54 %	8.5 %
NBFC
Cost of Borrowing	5.85 %	4.92 %	4.78 %
Financials
5 yr Average ROE	-8.44 %	5.77 %	6.17 %
5yr average Equity Multiplier	11.67	13.76	11.6
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	-2.57 %	4.67 %	5.97 %
5yr Avg Net Profit Margin	-2.57 %	4.67 %	5.97 %
5yr CAGR Net Profit	n/a	n/a	76.11 %
5yr CAGR Sales	4.34 %	8.87 %	10.52 %
5 yr CAGR PPOP	0.61 %	12.19 %	7.79 %
Price to Book	1.74	0.97	1.31
P/E	22.9	9.11	16.44
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)	0.01 %	0.15 %	0.04 %

Business

	Punjab & Sind Bank	CentralBank of India	UCO Bank
Segment Break-Up	Segment Break-Up Consumer Finance 57.47 Treasury Operations 24.41 Corporate Banking 17.86 Others 0.26	Segment Break-Up Treasury Operations 0 Corporate Banking 0 Consumer Finance 0 Others 100	Segment Break-Up Treasury Operations 0 Corporate Banking 0 Consumer Finance 0 Others 100
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 Industry 0 Personal Loans 0 0 Agriculture and allied activities 0 Others 44.85	Loan Break-Up Agricultural 0 Industry 0 Personal Loans 0 Corporate Banking 33.1 Agriculture and allied activities 0 Small & Medium Enterprises (SME) loans 20.42 Services 0 Consumer Finance 28.4 0 Advances to industries 0 Personal Loan 0 Agricultural Loan 18.08	Loan Break-Up Agricultural 0 Industrial & Commercial 12.8 Personal Loan 52.23 Corporate Advances 0 Agricultural 15.13 MSME Advances 0 Services 18.51 Retail Advances 0 Priority Sector 1.33 Advances to industries 0 Personal Loan 0 Agriculture Advances 0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 5.93 India 94.07
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 14.25 Corporate/Wholesale Banking 29.6 Treasury 55.63 Corporate / Wholesale Banking 0 Others 0.52
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 Others 6.14	Borrowings Break-Up Unsecured Redeemable NC Basel III 9.17 Institutional Business 0 Reserve Bank of India 40.75 Subordinated Debt 0 Innovative Perpetual Debt Instrument 0 Unsecured Redeemable Bonds 0 Upper Tier II Bonds 0 Bonds 0 Reserve Bank Of India 0 Borrowings outside India 0 Others 50.08	Borrowings Break-Up Unsecured Redeemable NC Basel III 0 Institutional Business 0 Reserve Bank of India 17.43 Subordinated Debt 0 Innovative Perpetual Debt Instrument 0 Unsecured Redeemable Bonds 0 Upper Tier II Bonds 0 Bonds 0 Reserve Bank Of India 0 Borrowings outside India 1.04 Others 81.53
Asset Break-Up	Asset Break-Up Retail Banking 37.99 Corporate / Wholesale Banking 30.89 Treasury 29.45 Others 1.67	Asset Break-Up Retail Banking 36.88 Treasury 38.23 Corporate / Wholesale Banking 0 Others 24.89	Asset Break-Up Retail Banking 0 Treasury 0 Corporate / Wholesale Banking 0 Others 100
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 Others 0 Industry 0 Personal Loans 0 0 Agriculture and allied activities 0 Others 10.65	NPA Break-Up Agricultural 39.67 Agricultural 0 Industry 0 Personal Loans 0 Agriculture and allied activities 0 Services 0 Retail 10.84 Corporate 14.96 Advances to industries 0 0 MSME Sector 34.53 Others 0	NPA Break-Up Agriculture 0 Agricultural 0 Industrial & Commercial 0.08 Personal Loan 8.4 Agricultural 55.33 Services 35.31 Retail 0 Corporate 0 Advances to industries 0 Priority Sector 0.88 MSME 0 Others 0
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 62.04 Priority Sector 37.96 Non priority sector 0 Non Priority Sector Advance 0 Priority Sector Advance 0	Priority vs Non-Priority Sector Non Priority Sector Advance 0 Priority Sector Advance 0 Non Priority Sector 53.59 Non Priority Sector 0 Priority Sector 46.41	Priority vs Non-Priority Sector Non Priority Sector 56.13 Priority Sector 43.87 Non priority sector 0 Non Priority Sector 0 Priority Sector 0

Punjab & Sind Bank

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