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BANK OF INDIA vs PNB - Comparison Results

BANK OF INDIA     Change

With one of the most geographically diversified advance portfolio, Bank of India (BOI) is amongst the largest public sector banking entity in the country (in terms of asset size) with 5.8% share of the total non-food credit disbursals at the end of F... More

PNB 
   Change

Punjab National Bank (PNB) is the third largest banking entity in the country with 7% share of the total non-food credit disbursals at the end of FY12. Robust growth and stellar margins has pegged the bank amongst the frontrunners in the PSU banking ... More

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Current Valuations

    BANK OF INDIA PNB BANK OF INDIA/
PNB
 
P/E (TTM) x 2.9 -13.6 - View Chart
P/BV x 0.1 0.1 52.9% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 BANK OF INDIA   PNB
EQUITY SHARE DATA
    BANK OF INDIA
Mar-19
PNB
Mar-19
BANK OF INDIA/
PNB
5-Yr Chart
Click to enlarge
High Rs119105 112.8%   
Low Rs7360 122.4%   
Income per share (Unadj.) Rs148.5113.3 131.1%  
Earnings per share (Unadj.) Rs3.3-21.8 -15.1%  
Cash flow per share (Unadj.) Rs-29.9-53.9 55.5%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs155.898.9 157.6%  
Shares outstanding (eoy) m2,760.474,604.05 60.0%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.60.7 88.7%   
Avg P/E ratio x29.2-3.8 -771.3%  
Avg P/CF ratio x1.53.4 43.6%  
Avg Price/Bookvalue ratio x0.60.8 73.8%  
Dividend payout %00-   
Avg Mkt Cap Rs m264,867379,834 69.7%   
No. of employees `000NA70.8 0.0%   
Total wages & salary Rs m60,21070,475 85.4%   
Avg. income/employee Rs ThNM7,364.4-  
Avg. wages/employee Rs ThNM995.3-  
Avg. net profit/employee Rs ThN.A.-1,416.0-  
INCOME DATA
Interest income Rs m410,048521,471 78.6%  
Other income Rs m52,64073,674 71.5%   
Interest expense Rs m272,071346,557 78.5%   
Net interest income Rs m137,977174,915 78.9%  
Operating expense Rs m108,670116,893 93.0%   
Gross profit Rs m29,30758,022 50.5%  
Gross profit margin %7.111.1 64.2%  
Provisions/contingencies Rs m168,586211,381 79.8%   
Profit before tax Rs m-22,596-149,085 15.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-5-4,563 0.1%   
Prior Period Items Rs m00-   
Tax Rs m-31,665-53,384 59.3%   
Profit after tax Rs m9,065-100,264 -9.0%  
Net profit margin %2.2-19.2 -11.5%  
BALANCE SHEET DATA
Advances Rs m3,429,6634,624,162 74.2%   
Deposits Rs m5,225,5506,818,742 76.6%  
Credit/Deposit ratio x65.667.8 96.8%  
Yield on advances %7.97.7 103.7%   
Cost of deposits %4.44.7 92.8%   
Net Interest Margin %2.32.3 100.4%  
Net fixed assets Rs m89,99162,476 144.0%   
Share capital Rs m27,6009,208 299.7%   
Free reserves Rs m402,539445,973 90.3%   
Net worth Rs m430,140455,181 94.5%   
Borrowings Rs m442,652468,280 94.5%   
Investments Rs m1,509,0502,097,230 72.0%   
Total assets Rs m6,308,8397,892,658 79.9%  
Debt/equity ratio x13.216.0 82.3%   
Return on assets %0.1-1.3 -11.3%  
Return on equity %2.1-22.0 -9.6%  
Capital adequacy ratio %14.29.7 145.8%  
Net NPAs %5.66.6 85.5%  
CASH FLOW
From Operations Rs m-92,181-341,580 27.0%  
From Investments Rs m7112,248 31.6%  
From Financial Activity Rs m79,828137,410 58.1%  
Net Cashflow Rs m-11,642-201,922 5.8%  

Share Holding

Indian Promoters % 66.7 58.9 113.2%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 15.5 18.7 82.9%  
FIIs % 10.2 17.2 59.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.7 5.3 145.3%  
Shareholders   240,000 215,441 111.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare BANK OF INDIA With:   BANK OF MAHARASHTRA  UNION BANK  J&K BANK  KARUR VYSYA BANK  ANDHRA BANK  

Compare BANK OF INDIA With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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