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INDIAN BANK vs PNB - Comparison Results

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

    INDIAN BANK PNB INDIAN BANK/
PNB
 
P/E (TTM) x 9.5 -18.7 - View Chart
P/BV x 0.9 0.6 151.7% View Chart
Dividend Yield % 1.4 0.0 -  

Financials

 INDIAN BANK   PNB
EQUITY SHARE DATA
    INDIAN BANK
Mar-15
PNB
Mar-16
INDIAN BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs224167 134.2%   
Low Rs11371 158.5%   
Income per share (Unadj.) Rs330.1258.7 127.6%  
Earnings per share (Unadj.) Rs21.8-19.6 -111.6%  
Cash flow per share (Unadj.) Rs58.4-60.5 -96.4%  
Dividends per share (Unadj.) Rs4.200-  
Avg Dividend yield %2.50-  
Book value per share (Unadj.) Rs312.9212.9 147.0%  
Shares outstanding (eoy) m480.291,963.60 24.5%   
Bonus/Rights/Conversions PIPI-  
Avg Price / Income ratio x0.50.5 110.9%   
Avg P/E ratio x7.7-6.1 -126.8%  
Avg P/CF ratio x3.11.8 173.1%  
Avg Price/Bookvalue ratio x0.50.6 96.3%  
Dividend payout %19.20-   
Avg Mkt Cap Rs m80,929233,865 34.6%   
No. of employees `00020.370.8 28.7%   
Total wages & salary Rs m17,46365,645 26.6%   
Avg. income/employee Rs Th7,811.87,175.6 108.9%   
Avg. wages/employee Rs Th860.5927.2 92.8%   
Avg. net profit/employee Rs Th516.8-542.8 -95.2%   
INCOME DATA
Interest income Rs m158,534508,039 31.2%  
Other income Rs m13,72269,766 19.7%   
Interest expense Rs m113,898343,306 33.2%   
Net interest income Rs m44,636164,733 27.1%  
Operating expense Rs m28,254103,499 27.3%   
Gross profit Rs m16,38261,234 26.8%  
Gross profit margin %10.312.1 85.7%  
Provisions/contingencies Rs m15,335167,633 9.1%   
Profit before tax Rs m15,105-52,931 -28.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m18-1,797 -1.0%   
Prior Period Items Rs m00-   
Tax Rs m4,635-16,299 -28.4%   
Profit after tax Rs m10,488-38,430 -27.3%  
Net profit margin %6.6-7.6 -87.5%  
BALANCE SHEET DATA
Advances Rs m1,258,7024,460,830 28.2%   
Deposits Rs m1,692,0425,703,826 29.7%  
Credit/Deposit ratio x74.478.2 95.1%  
Yield on advances %9.68.4 114.8%   
Cost of deposits %6.65.4 123.5%   
Net Interest Margin %2.42.4 100.8%  
Net fixed assets Rs m29,73853,081 56.0%   
Share capital Rs m4,8033,927 122.3%   
Free reserves Rs m79,581295,310 26.9%   
Net worth Rs m150,290418,043 36.0%   
Borrowings Rs m26,461816,737 3.2%   
Investments Rs m460,6051,651,265 27.9%   
Total assets Rs m1,930,3577,127,930 27.1%  
Debt/equity ratio x11.415.6 73.3%   
Return on assets %0.5-0.5 -100.8%  
Return on equity %7.0-9.2 -75.9%  
Capital adequacy ratio %12.913.7 94.1%  
Net NPAs %2.58.6 29.0%  
CASH FLOW
From Operations Rs m51,357141,670 36.3%  
From Investments Rs m-2,364-13,515 17.5%  
From Financial Activity Rs m-23,11759,747 -38.7%  
Net Cashflow Rs m25,876187,902 13.8%  

Share Holding

Indian Promoters % 82.1 58.9 139.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 8.5 18.7 45.5%  
FIIs % 5.6 17.2 32.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 3.8 5.3 71.7%  
Shareholders   66,052 215,441 30.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDIAN BANK With:   BANK OF MAHARASHTRA  UNION BANK  CITY UNION BANK  KARUR VYSYA BANK  ANDHRA BANK  

Compare INDIAN BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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