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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 14.5 -0.7 - View Chart
P/BV x 0.6 0.3 194.6% View Chart
Dividend Yield % 2.5 0.0 -  

Financials

 INDIAN BANK   PNB
EQUITY SHARE DATA
    INDIAN BANK
Mar-18
PNB
Mar-18
INDIAN BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs428214 200.4%   
Low Rs25293 270.4%   
Income per share (Unadj.) Rs356.4176.5 201.9%  
Earnings per share (Unadj.) Rs27.3-45.7 -59.8%  
Cash flow per share (Unadj.) Rs18.2-79.6 -22.9%  
Dividends per share (Unadj.) Rs6.000-  
Avg Dividend yield %1.80-  
Book value per share (Unadj.) Rs389.7153.9 253.2%  
Shares outstanding (eoy) m480.292,760.57 17.4%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x1.00.9 109.8%   
Avg P/E ratio x12.5-3.4 -370.8%  
Avg P/CF ratio x3.113.4 23.2%  
Avg Price/Bookvalue ratio x0.91.0 87.5%  
Dividend payout %22.00-   
Avg Mkt Cap Rs m163,299423,471 38.6%   
No. of employees `00019.874.9 26.5%   
Total wages & salary Rs m21,04692,424 22.8%   
Avg. income/employee Rs Th8,625.46,505.6 132.6%   
Avg. wages/employee Rs Th1,060.61,234.0 86.0%   
Avg. net profit/employee Rs Th660.5-1,682.7 -39.2%   
INCOME DATA
Interest income Rs m171,153487,249 35.1%  
Other income Rs m24,16688,833 27.2%   
Interest expense Rs m108,513335,304 32.4%   
Net interest income Rs m62,640151,945 41.2%  
Operating expense Rs m36,733136,426 26.9%   
Gross profit Rs m25,90715,519 166.9%  
Gross profit margin %15.13.2 475.3%  
Provisions/contingencies Rs m39,270157,577 24.9%   
Profit before tax Rs m11,272-198,462 -5.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m8-188 -4.0%   
Prior Period Items Rs m00-   
Tax Rs m-1,826-72,618 2.5%   
Profit after tax Rs m13,105-126,031 -10.4%  
Net profit margin %7.7-25.9 -29.6%  
BALANCE SHEET DATA
Advances Rs m1,565,6894,387,980 35.7%   
Deposits Rs m2,082,6186,484,390 32.1%  
Credit/Deposit ratio x75.267.7 111.1%  
Yield on advances %7.67.4 102.1%   
Cost of deposits %4.94.7 103.8%   
Net Interest Margin %2.62.0 126.9%  
Net fixed assets Rs m34,22163,743 53.7%   
Share capital Rs m4,8035,521 87.0%   
Free reserves Rs m96,272268,284 35.9%   
Net worth Rs m187,154424,851 44.1%   
Borrowings Rs m197,602653,297 30.2%   
Investments Rs m716,1912,059,102 34.8%   
Total assets Rs m2,529,8147,789,949 32.5%  
Debt/equity ratio x12.216.8 72.5%   
Return on assets %0.5-1.6 -32.0%  
Return on equity %7.0-29.7 -23.6%  
Capital adequacy ratio %12.69.2 136.4%  
Net NPAs %3.811.2 33.9%  
CASH FLOW
From Operations Rs m-36,758-1,402 2,621.6%  
From Investments Rs m-2,144-11,032 19.4%  
From Financial Activity Rs m67,76473,524 92.2%  
Net Cashflow Rs m28,86361,091 47.2%  

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:   ANDHRA BANK  SYNDICATE BANK  ICICI BANK  BANK OF MAHARASHTRA  SOUTH IND.BANK  

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



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