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Compare Indian Overseas Bank with PNB - Equitymaster
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INDIAN OVERSEAS 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 OVERSEAS BANK PNB INDIAN OVERSEAS BANK/
PNB
 
P/E (TTM) x -0.8 -19.9 - View Chart
P/BV x 0.2 0.7 27.8% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 INDIAN OVERSEAS BANK   PNB
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-16
PNB
Mar-16
INDIAN OVERSEAS BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs48167 28.5%   
Low Rs2171 29.6%   
Income per share (Unadj.) Rs130.1258.7 50.3%  
Earnings per share (Unadj.) Rs-18.7-19.6 95.8%  
Cash flow per share (Unadj.) Rs-32.1-60.5 53.1%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs86.7212.9 40.7%  
Shares outstanding (eoy) m1,807.271,963.60 92.0%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x0.30.5 57.3%   
Avg P/E ratio x-1.8-6.1 30.1%  
Avg P/CF ratio x1.91.8 106.1%  
Avg Price/Bookvalue ratio x0.40.6 70.7%  
Dividend payout %00-   
Avg Mkt Cap Rs m61,989233,865 26.5%   
No. of employees `000NA70.8 0.0%   
Total wages & salary Rs m33,90465,645 51.6%   
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 m235,173508,039 46.3%  
Other income Rs m25,28369,766 36.2%   
Interest expense Rs m181,346343,306 52.8%   
Net interest income Rs m53,827164,733 32.7%  
Operating expense Rs m50,255103,499 48.6%   
Gross profit Rs m3,57261,234 5.8%  
Gross profit margin %1.512.1 12.6%  
Provisions/contingencies Rs m66,136167,633 39.5%   
Profit before tax Rs m-42,179-52,931 79.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-1,797 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-8,308-16,299 51.0%   
Profit after tax Rs m-33,872-38,430 88.1%  
Net profit margin %-14.4-7.6 190.4%  
BALANCE SHEET DATA
Advances Rs m1,608,6074,460,830 36.1%   
Deposits Rs m2,245,1425,703,826 39.4%  
Credit/Deposit ratio x71.678.2 91.6%  
Yield on advances %10.48.4 123.9%   
Cost of deposits %7.25.4 134.9%   
Net Interest Margin %2.12.4 85.7%  
Net fixed assets Rs m32,70553,081 61.6%   
Share capital Rs m18,0733,927 460.2%   
Free reserves Rs m89,452295,310 30.3%   
Net worth Rs m156,658418,043 37.5%   
Borrowings Rs m271,833816,737 33.3%   
Investments Rs m791,8961,651,265 48.0%   
Total assets Rs m2,744,3687,127,930 38.5%  
Debt/equity ratio x16.115.6 103.0%   
Return on assets %-1.2-0.5 228.9%  
Return on equity %-21.6-9.2 235.2%  
Capital adequacy ratio %9.713.7 70.7%  
Net NPAs %11.98.6 138.1%  
CASH FLOW
From Operations Rs m-15,515141,670 -11.0%  
From Investments Rs m-2,536-13,515 18.8%  
From Financial Activity Rs m-8,47259,747 -14.2%  
Net Cashflow Rs m-26,523187,902 -14.1%  

Share Holding

Indian Promoters % 73.8 58.9 125.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 15.3 18.7 81.8%  
FIIs % 1.9 17.2 11.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 9.1 5.3 171.7%  
Shareholders   250,609 215,441 116.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDIAN OVERSEAS BANK With:   YES BANK  KARUR VYSYA BANK  UNION BANK  SBI  DCB BANK  

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



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