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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 -0.2 -0.9 - View Chart
P/BV x 0.1 0.3 41.9% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 INDIAN OVERSEAS BANK   PNB
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-18
PNB
Mar-18
INDIAN OVERSEAS BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs32214 15.1%   
Low Rs1793 18.5%   
Income per share (Unadj.) Rs36.6176.5 20.8%  
Earnings per share (Unadj.) Rs-12.9-45.7 28.2%  
Cash flow per share (Unadj.) Rs-36.1-79.6 45.3%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs27.1153.9 17.6%  
Shares outstanding (eoy) m4,890.772,760.57 177.2%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.70.9 77.6%   
Avg P/E ratio x-1.9-3.4 57.1%  
Avg P/CF ratio x1.513.4 10.9%  
Avg Price/Bookvalue ratio x0.91.0 91.3%  
Dividend payout %00-   
Avg Mkt Cap Rs m120,802423,471 28.5%   
No. of employees `00027.974.9 37.3%   
Total wages & salary Rs m29,94292,424 32.4%   
Avg. income/employee Rs Th6,412.96,505.6 98.6%   
Avg. wages/employee Rs Th1,071.81,234.0 86.9%   
Avg. net profit/employee Rs Th-2,255.0-1,682.7 134.0%   
INCOME DATA
Interest income Rs m179,152487,249 36.8%  
Other income Rs m37,46488,833 42.2%   
Interest expense Rs m124,476335,304 37.1%   
Net interest income Rs m54,676151,945 36.0%  
Operating expense Rs m55,849136,426 40.9%   
Gross profit Rs m-1,17415,519 -7.6%  
Gross profit margin %-0.73.2 -20.6%  
Provisions/contingencies Rs m145,930157,577 92.6%   
Profit before tax Rs m-86,317-198,462 43.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-188 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-23,322-72,618 32.1%   
Profit after tax Rs m-62,995-126,031 50.0%  
Net profit margin %-35.2-25.9 135.9%  
BALANCE SHEET DATA
Advances Rs m1,324,8884,387,980 30.2%   
Deposits Rs m2,168,3186,484,390 33.4%  
Credit/Deposit ratio x61.167.7 90.3%  
Yield on advances %9.07.4 121.7%   
Cost of deposits %5.34.7 112.4%   
Net Interest Margin %2.42.0 117.3%  
Net fixed assets Rs m28,93463,743 45.4%   
Share capital Rs m48,9085,521 885.8%   
Free reserves Rs m69,912268,284 26.1%   
Net worth Rs m132,740424,851 31.2%   
Borrowings Rs m92,281653,297 14.1%   
Investments Rs m686,4592,059,102 33.3%   
Total assets Rs m2,479,6817,789,949 31.8%  
Debt/equity ratio x17.016.8 101.4%   
Return on assets %-2.5-1.6 157.0%  
Return on equity %-47.5-29.7 160.0%  
Capital adequacy ratio %9.39.2 100.5%  
Net NPAs %15.311.2 136.4%  
CASH FLOW
From Operations Rs m-17,933-1,402 1,279.0%  
From Investments Rs m-1,151-11,032 10.4%  
From Financial Activity Rs m52,30373,524 71.1%  
Net Cashflow Rs m33,22061,091 54.4%  

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:   CANARA BANK  VIJAYA BANK  DHANLAXMI BANK  KARNATAKA BANK  SYNDICATE BANK  

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



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