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KARUR VYSYA BANK vs PNB - Comparison Results

KARUR VYSYA BANK    Change

The Karur Vysya Bank Ltd. has been ranked as one of the top five banks in the private sector. The bank has a strong hold in the South with a total of 216 branches across the nation as on 31st March 2004. It is one of the oldest private sector banks o... 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

    KARUR VYSYA BANK PNB KARUR VYSYA BANK/
PNB
 
P/E (TTM) x 13.6 -18.7 - View Chart
P/BV x 1.9 0.6 318.5% View Chart
Dividend Yield % 9.6 0.0 -  

Financials

 KARUR VYSYA BANK   PNB
EQUITY SHARE DATA
    KARUR VYSYA BANK
Mar-15
PNB
Mar-16
KARUR VYSYA BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs619167 370.9%   
Low Rs35571 498.0%   
Income per share (Unadj.) Rs443.7258.7 171.5%  
Earnings per share (Unadj.) Rs40.6-19.6 -207.7%  
Cash flow per share (Unadj.) Rs91.7-60.5 -151.6%  
Dividends per share (Unadj.) Rs13.000-  
Avg Dividend yield %2.70-  
Book value per share (Unadj.) Rs349.1212.9 164.0%  
Shares outstanding (eoy) m121.621,963.60 6.2%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x1.10.5 238.5%   
Avg P/E ratio x12.0-6.1 -196.9%  
Avg P/CF ratio x6.11.8 335.7%  
Avg Price/Bookvalue ratio x1.40.6 249.4%  
Dividend payout %32.00-   
Avg Mkt Cap Rs m59,235233,865 25.3%   
No. of employees `0007.270.8 10.2%   
Total wages & salary Rs m5,47165,645 8.3%   
Avg. income/employee Rs Th7,497.47,175.6 104.5%   
Avg. wages/employee Rs Th760.1927.2 82.0%   
Avg. net profit/employee Rs Th686.9-542.8 -126.5%   
INCOME DATA
Interest income Rs m53,959508,039 10.6%  
Other income Rs m5,80869,766 8.3%   
Interest expense Rs m39,300343,306 11.4%   
Net interest income Rs m14,659164,733 8.9%  
Operating expense Rs m11,035103,499 10.7%   
Gross profit Rs m3,62561,234 5.9%  
Gross profit margin %6.712.1 55.7%  
Provisions/contingencies Rs m4,805167,633 2.9%   
Profit before tax Rs m4,928-52,931 -9.3%   
Extraordinary Inc (Exp) Rs m870-   
Minority Interest Rs m0-1,797 0.0%   
Prior Period Items Rs m00-   
Tax Rs m72-16,299 -0.4%   
Profit after tax Rs m4,943-38,430 -12.9%  
Net profit margin %9.2-7.6 -121.1%  
BALANCE SHEET DATA
Advances Rs m361,0894,460,830 8.1%   
Deposits Rs m446,9035,703,826 7.8%  
Credit/Deposit ratio x80.878.2 103.3%  
Yield on advances %11.78.4 139.5%   
Cost of deposits %7.95.4 147.7%   
Net Interest Margin %2.82.4 118.6%  
Net fixed assets Rs m4,11253,081 7.7%   
Share capital Rs m1,2163,927 31.0%   
Free reserves Rs m25,054295,310 8.5%   
Net worth Rs m42,460418,043 10.2%   
Borrowings Rs m29,008816,737 3.6%   
Investments Rs m127,7301,651,265 7.7%   
Total assets Rs m531,5257,127,930 7.5%  
Debt/equity ratio x11.215.6 71.9%   
Return on assets %0.9-0.5 -172.5%  
Return on equity %11.6-9.2 -126.6%  
Capital adequacy ratio %14.613.7 107.0%  
Net NPAs %0.88.6 9.1%  
CASH FLOW
From Operations Rs m-3,090141,670 -2.2%  
From Investments Rs m-1,023-13,515 7.6%  
From Financial Activity Rs m4,82259,747 8.1%  
Net Cashflow Rs m710187,902 0.4%  

Share Holding

Indian Promoters % 3.0 58.9 5.1%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 12.4 18.7 66.3%  
FIIs % 25.1 17.2 145.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 59.4 5.3 1,120.8%  
Shareholders   74,641 215,441 34.6%  
Pledged promoter(s) holding % 8.7 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare KARUR VYSYA BANK With:   YES BANK  KARNATAKA BANK  VIJAYA BANK  FEDERAL BANK  PUNJAB & SIND BANK  

Compare KARUR VYSYA BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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