PNB Housing Finance · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
The CEO position has remained vacant for over 1.5 months with no clear timeline provided. Management repeatedly deflected questions on internal vs external candidate and process status, creating uncertainty that has impacted market capitalization.
Affordable housing 30+ DPD at 1.40% (vs industry 3.7%) and 90+ DPD at 0.51% (vs industry 1.3%) showing uptick attributed to portfolio seasoning. Self-employed exposure increased to 43% and informal to 30%, elevating risk profile.
Affordable segment BT-out rate at 4% (vs BT-in of 9%) indicates competitive intensity and customer refinancing behavior that could impact loan retention and margin sustainability.
PNB Housing took only 10bps PLR cut versus larger peers like LIC Housing and Bajaj Finance who took higher cuts. This creates potential BT-out risk in prime segment where customers have more alternatives.
