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Compare Bank of India with PNB - Equitymaster
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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 -6.0 -19.9 - View Chart
P/BV x 0.3 0.7 44.9% View Chart
Dividend Yield % 3.4 0.0 -  

Financials

 BANK OF INDIA   PNB
EQUITY SHARE DATA
    BANK OF INDIA
Mar-16
PNB
Mar-16
BANK OF INDIA/
PNB
5-Yr Chart
Click to enlarge
High Rs233167 139.7%   
Low Rs8071 112.3%   
Income per share (Unadj.) Rs515.5258.7 199.2%  
Earnings per share (Unadj.) Rs-33.8-19.6 172.6%  
Cash flow per share (Unadj.) Rs-112.8-60.5 186.3%  
Dividends per share (Unadj.) Rs5.000-  
Avg Dividend yield %3.20-  
Book value per share (Unadj.) Rs392.4212.9 184.3%  
Shares outstanding (eoy) m816.551,963.60 41.6%   
Bonus/Rights/Conversions PIPI-  
Avg Price / Income ratio x0.30.5 66.0%   
Avg P/E ratio x-4.6-6.1 76.2%  
Avg P/CF ratio x1.11.8 62.0%  
Avg Price/Bookvalue ratio x0.40.6 71.4%  
Dividend payout %-14.80-   
Avg Mkt Cap Rs m127,913233,865 54.7%   
No. of employees `000NA70.8 0.0%   
Total wages & salary Rs m54,03665,645 82.3%   
Avg. income/employee Rs ThNM7,175.6-  
Avg. wages/employee Rs ThNM927.2-  
Avg. net profit/employee Rs ThN.A.-542.8-  
INCOME DATA
Interest income Rs m420,928508,039 82.9%  
Other income Rs m36,71669,766 52.6%   
Interest expense Rs m305,453343,306 89.0%   
Net interest income Rs m115,475164,733 70.1%  
Operating expense Rs m94,250103,499 91.1%   
Gross profit Rs m21,22561,234 34.7%  
Gross profit margin %5.012.1 41.8%  
Provisions/contingencies Rs m141,517167,633 84.4%   
Profit before tax Rs m-45,533-52,931 86.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m717-1,797 -39.9%   
Prior Period Items Rs m00-   
Tax Rs m-17,226-16,299 105.7%   
Profit after tax Rs m-27,590-38,430 71.8%  
Net profit margin %-6.6-7.6 86.7%  
BALANCE SHEET DATA
Advances Rs m3,613,0194,460,830 81.0%   
Deposits Rs m5,157,2255,703,826 90.4%  
Credit/Deposit ratio x70.178.2 89.6%  
Yield on advances %8.58.4 101.3%   
Cost of deposits %5.35.4 97.9%   
Net Interest Margin %2.02.4 82.7%  
Net fixed assets Rs m85,72953,081 161.5%   
Share capital Rs m8,1733,927 208.1%   
Free reserves Rs m194,186295,310 65.8%   
Net worth Rs m320,420418,043 76.6%   
Borrowings Rs m511,033816,737 62.6%   
Investments Rs m1,226,2091,651,265 74.3%   
Total assets Rs m6,166,2927,127,930 86.5%  
Debt/equity ratio x17.715.6 113.4%   
Return on assets %-0.4-0.5 83.0%  
Return on equity %-8.6-9.2 93.7%  
Capital adequacy ratio %12.113.7 88.2%  
Net NPAs %7.88.6 90.5%  
CASH FLOW
From Operations Rs m183,108141,670 129.2%  
From Investments Rs m-6,087-13,515 45.0%  
From Financial Activity Rs m48,63759,747 81.4%  
Net Cashflow Rs m225,658187,902 120.1%  

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:   KARUR VYSYA BANK  PUNJAB & SIND BANK  INDIAN OVERSEAS BANK  ORIENTAL BANK  BANK OF MAHARASHTRA  

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



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Aug 17, 2017 (Close)

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