Punjab National Bank

Financial

	PNB	Bank Of Baroda	Canara Bank
Operational Metrics
Banking Sector
Net Interest Margin	2.7 %	2.91 %	2.55 %
Yield On Advances	8.14 %	8.09 %	8.47 %
CASA Ratio	36.99 %	39.33 %	29.56 %
CASA vs Liabilities	32.07 %	31.21 %	24.41 %
Capital to Risks Assets Ratio (CRAR)	17.5 %	17.61 %	16.52 %
Tier 2 Capital	2.88 %	2.46 %	1.94 %
Tier I Capital	14.62 %	15.15 %	14.58 %
Cost To Income Ratio	55.31 %	48.87 %	46.77 %
Fresh Slippages - Quarterly	1792.0 Crs	3476.0 Crs	2129.0 Crs
Credit Deposit Ratio	68.7 %	83.23 %	74.7 %
Gross NPA	3.78 %	2.28 %	2.69 %
Net NPA	0.38 %	0.6 %	0.63 %
Life Insurance Sector
Management Expense Ratio - Life Insurance	22.06 %	n/a	n/a
Commission Ratio - Life Insurance	6.7 %	n/a	n/a
AUM - Life Insurance	34379.0 Crs	n/a	n/a
61 Month Persistency Ratio	49.37 %	n/a	n/a
13 Month Persistency Ratio	78.6 %	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	465.37 Crs	n/a	264.07 Crs
NBFC
Cost of Borrowing	4.7 %	5.05 %	5.27 %
Financials
5 yr Average ROE	6.87 %	11.48 %	14.15 %
5yr average Equity Multiplier	14.1	14.05	17.53
5yr Average Asset Turnover Ratio	0.07	0.08	0.08
5yr Avg Net Profit Margin	6.21 %	10.18 %	8.44 %
5yr Avg Net Profit Margin	6.21 %	10.18 %	8.44 %
5yr CAGR Net Profit	48.47 %	68.01 %	43.42 %
5yr CAGR Sales	8.32 %	11.29 %	10.34 %
5 yr CAGR PPOP	3.55 %	10.27 %	9.85 %
Price to Book	0.94	0.85	0.98
P/E	7.83	6.7	6.41
Shareholdings
Promoter Holding	70.08 %	63.97 %	62.93 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.07 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	2.39 %	-2.33 %	0.77 %

Business

	PNB	Bank Of Baroda	Canara Bank
Segment Break-Up	Segment Break-Up Corporate Banking 37.55 Treasury Operations 31.25 Consumer Finance 29.47 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Others 1.73	Segment Break-Up Wholesale Banking Operations 0 Corporate Banking 0 Retail Banking Operations 0 Consumer Finance 0 Treasury Operations 0 Life Insurance Operation 0 Others 100	Segment Break-Up Corporate Banking 29.99 Corporate Banking 0 Consumer Finance 41.97 Consumer Finance 0 Treasury Operations 19.19 Life Insurance Business 8.85
Location Wise Break-Up	Location Wise Break-Up India 96.62 Rest of the World 3.38	Location Wise Break-Up Rest of the World 11.58 India 88.42	Location Wise Break-Up Rest of the World 4.33 India 95.67
Retail Loan Break-Up - Banking	Retail Loan Break-Up - Banking Core Retail 57.53 Home loans 33.34 4 Wheeler Loans 7.65 Education Loan 1.48 Gold Loan 0 Personal Loan 0 Mortgage Loan 0	-	-
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 34.23 Bonds 23.88 Borrowings outside India 13.08 Long Term Infrastructure Bonds 3.52 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Others 25.29	-	Borrowings Break-Up Long Term Infrastructure Bonds 0 Other banks - India 1.0 Borrowings outside India 0 Other Institutions & Agencies 24.21 UNSECURED REDEEMABLE BONDS 74.79 RESERVE BANK OF INDIA 0 Bonds 0 Reserve Bank of India 0
Profit Before Tax	Profit Before Tax Treasury 40.06 Corporate & Wholesale Banking 32.04 Retail Banking 26.29 Life Insurance 0 Wholesale Banking 0 Others 1.61	-	Profit Before Tax Life Insurance 0.34 Corporate & Wholesale Banking 0 Treasury 31.72 Retail Banking 67.94 Wholesale Banking 0
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 70.37 Priority Sector 29.63 Non Priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Priority Sector 27.25 Non Priority Sector 72.75 Non Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Priority sector 0 Non Priority sector 0 Non Priority Sector 0 Priority Sector 39.39 Others 60.61
NPA Break-Up	NPA Break-Up Agricultural Loan 45.14 Small & Medium Enterprises (SME) loans 44.9 Consumer Finance 6.31 Corporate Banking 3.65 Education 0 Car/Vehicle Loans 0 Housing 0 International 0 Others 0 Agriculture 0 Retail 0 Corporate 0 Corporate & Others 0 Agriculture & Allied 0	NPA Break-Up Small & Medium Enterprises (SME) loans 0 Corporate & Others 0 Retail 18.95 Corporate Banking 0 Agricultural 28.57 Corporate 0.2 Education 0 Housing 0 Car/Vehicle Loans 0 International 13.38 Consumer Finance 0 Others 0.39 Agriculture & Allied 0 Agricultural Loan 0 Others 38.51	NPA Break-Up Small & Medium Enterprises (SME) loans 0 Corporate 40.18 Retail 6.14 Corporate Banking 0 Agriculture 0 Corporate 0 Education 0 Housing 0 Car/Vehicle Loans 0 International 0 Consumer Finance 0 Others 0 Agricultural 27.14 Agricultural Loan 0 Others 26.54
MSME Loan Break-Up	MSME Loan Break-Up Others 100	-	-
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-

Punjab National Bank

SIGN UP FOR FREE