Punjab & Sind Bank benchmarking: Perfomance to industry peers

Financial

	Punjab & Sind Bank	CentralBank of India	UCO Bank
Operational Metrics
Banks
Net Interest Margin	2.6 %	2.89 %	2.9 %
Gross NPA	2.92 %	3.01 %	2.56 %
Net NPA	0.83 %	0.48 %	0.43 %
CASA Ratio	30.31 %	46.83 %	38.11 %
CASA vs Liabilities	24.88 %	41.35 %	31.53 %
Credit Deposit Ratio	77.79 %	64.35 %	75.47 %
Capital to Risks Assets Ratio (CRAR)	17.19 %	17.34 %	17.89 %
Tier I Capital	15.32 %	14.98 %	15.9 %
Tier 2 Capital	1.87 %	2.36 %	1.99 %
Cost To Income Ratio	61.87 %	62.72 %	52.79 %
Fresh Slippages - Quarterly	164.0 Crs	733.0 Crs	629.0 Crs
Yield On Advances	8.62 %	8.36 %	8.06 %
NBFC
Cost of Borrowing	5.74 %	4.88 %	4.57 %
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	0.89	1.25
P/E	18.23	7.52	15.6
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)	0.07 %	0.11 %	0.11 %

Business

	Punjab & Sind Bank	CentralBank of India	UCO Bank
Loan Break-Up	Loan Break-Up Personal Loan 22.22 Advances to industries 19.57 Agricultural 14.06 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 44.15	Loan Break-Up Industry 0 Services 0 Agricultural Loan 19.26 Advances to industries 0 Agriculture and allied activities 0 Consumer Finance 30.74 Personal Loans 0 0 Corporate Banking 28.46 Small & Medium Enterprises (SME) loans 21.54 Personal Loan 0 Agricultural 0	Loan Break-Up Industrial & Commercial 12.8 Services 18.51 Agriculture Advances 0 Advances to industries 0 Agricultural 15.13 Retail Advances 0 Personal Loan 52.23 Priority Sector 1.33 Corporate Advances 0 MSME Advances 0 Personal Loan 0 Agricultural 0
Segment Break-Up	Segment Break-Up Consumer Finance 42.17 Corporate Banking 31.05 Treasury Operations 26.55 Others 0.23	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Others 100	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Others 100
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 6.1 India 93.9
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 38.3 Treasury 32.24 Corporate / Wholesale Banking 28.08 Corporate/Wholesale Banking 0 Others 1.38	-	Operating Profit Break-Up Corporate/Wholesale Banking 27.29 Treasury 44.14 Retail Banking 28.09 Corporate / Wholesale Banking 0 Others 0.48
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 Unsecured Redeemable Bonds 0 Reserve Bank of India 40.75 Institutional Business 0 Borrowings outside India 0 Subordinated Debt 0 Upper Tier II Bonds 0 Bonds 0 Innovative Perpetual Debt Instrument 0 Unsecured Redeemable NC Basel III 9.17 Others 50.08	Borrowings Break-Up Unsecured Redeemable Bonds 0 Reserve Bank of India 17.43 Institutional Business 0 Borrowings outside India 1.04 Subordinated Debt 0 Upper Tier II Bonds 0 Bonds 0 Innovative Perpetual Debt Instrument 0 Unsecured Redeemable NC Basel III 0 Others 81.53
Asset Break-Up	Asset Break-Up Retail Banking 38.24 Corporate / Wholesale Banking 30.24 Treasury 29.83 Others 1.69	Asset Break-Up Treasury 40.5 Retail Banking 37.68 Corporate / Wholesale Banking 0 Others 21.82	Asset Break-Up Treasury 0 Retail Banking 0 Corporate / Wholesale Banking 0 Others 100
NPA Break-Up	NPA Break-Up Advances to industries 42.25 Agricultural 39.45 Retail 11.06 Services 7.24 Corporate 0 MSME 0 Agriculture 0 Others 0 Industry 0 Personal Loans 0 0 Agriculture and allied activities 0	NPA Break-Up Industry 0 Services 0 Retail 10.69 Advances to industries 0 Agriculture and allied activities 0 MSME Sector 36.55 Agricultural 38.27 Personal Loans 0 0 Corporate 14.49 Others 0 Agricultural 0	NPA Break-Up Industrial & Commercial 0.08 Services 35.31 Retail 0 Advances to industries 0 Agricultural 55.33 MSME 0 Agriculture 0 Personal Loan 8.4 Priority Sector 0.88 Corporate 0 Others 0 Agricultural 0
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 0 Non Priority Sector Advance 0 Priority Sector Advance 0 Priority Sector 46.41 Non Priority Sector 53.59	Priority vs Non-Priority Sector Non Priority Sector 0 Non Priority Sector 56.13 Priority Sector 43.87 Priority Sector 0 Non priority sector 0

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