Ethical Compliance

PNB HOUSING FIN.

PNB HOUSING FIN.

Revenue

92.5%

Debt

0%

Liquidity

3.6%

Revenue

Debt

Liquidity

92.5%

Non Compliant
Questionable
Compliant

Compliant

INR Crores

Questionable

INR Crores

  Net Gain on Fair Value Changes
₹34.10

  Other Income
₹2.33

Non Compliant

INR Crores

  Interest Income
₹6,199.07

  Fees and Commission Income
₹283.26

  Income on Derecognised (assigned) Loans
₹10.90

INR Crores

Revenue from Questionable Sources:₹36.43
Revenue from Non Compliant Sources:₹6,493.23
Total:₹6,529.66
Total Revenue:₹7,057.09

Formula

Revenue from Questionable & Non Compliant Sources

Total Revenue

≤ 0.03 or 3%

Calculation

₹6,529.66

₹7,057.09

= 92.5%

non-compliant

Rationale

The sum of revenue from questionable and non-compliant sources should not exceed 3% of the total revenue. This ensures that the company has tolerable reliance on unethical sources of revenue.