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Compare Oriental Bank with PNB - Equitymaster
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ORIENTAL BANK vs PNB - Comparison Results

ORIENTAL BANK    Change

Oriental Bank of Commerce (OBC) had historically enjoyed the repute of being one of the most efficient public sector banks in the country. However the merger with GTB in FY05 took a toll on the bank's asset quality and margins. As against most of its... 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

    ORIENTAL BANK PNB ORIENTAL BANK/
PNB
 
P/E (TTM) x 2.5 -19.3 - View Chart
P/BV x 0.2 0.6 39.2% View Chart
Dividend Yield % 0.6 0.0 -  

Financials

 ORIENTAL BANK   PNB
EQUITY SHARE DATA
    ORIENTAL BANK
Mar-16
PNB
Mar-16
ORIENTAL BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs235167 140.9%   
Low Rs7571 105.6%   
Income per share (Unadj.) Rs624.1258.7 241.2%  
Earnings per share (Unadj.) Rs6.2-19.6 -31.6%  
Cash flow per share (Unadj.) Rs14.6-60.5 -24.2%  
Dividends per share (Unadj.) Rs0.700-  
Avg Dividend yield %0.50-  
Book value per share (Unadj.) Rs464.9212.9 218.4%  
Shares outstanding (eoy) m321.401,963.60 16.4%   
Bonus/Rights/Conversions OIPI-  
Avg Price / Income ratio x0.20.5 54.0%   
Avg P/E ratio x25.1-6.1 -413.1%  
Avg P/CF ratio x1.41.8 77.5%  
Avg Price/Bookvalue ratio x0.30.6 59.7%  
Dividend payout %11.30-   
Avg Mkt Cap Rs m49,897233,865 21.3%   
No. of employees `000NA70.8 0.0%   
Total wages & salary Rs m20,31765,645 30.9%   
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 m200,587508,039 39.5%  
Other income Rs m17,66369,766 25.3%   
Interest expense Rs m146,841343,306 42.8%   
Net interest income Rs m53,746164,733 32.6%  
Operating expense Rs m34,588103,499 33.4%   
Gross profit Rs m19,15861,234 31.3%  
Gross profit margin %9.612.1 79.2%  
Provisions/contingencies Rs m33,562167,633 20.0%   
Profit before tax Rs m3,682-52,931 -7.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-1,797 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,698-16,299 -10.4%   
Profit after tax Rs m1,985-38,430 -5.2%  
Net profit margin %1.0-7.6 -13.1%  
BALANCE SHEET DATA
Advances Rs m1,488,8004,460,830 33.4%   
Deposits Rs m2,089,1485,703,826 36.6%  
Credit/Deposit ratio x71.378.2 91.1%  
Yield on advances %9.98.4 118.9%   
Cost of deposits %6.75.4 125.4%   
Net Interest Margin %2.42.4 100.0%  
Net fixed assets Rs m22,71953,081 42.8%   
Share capital Rs m3,2143,927 81.8%   
Free reserves Rs m90,590295,310 30.7%   
Net worth Rs m149,411418,043 35.7%   
Borrowings Rs m78,974816,737 9.7%   
Investments Rs m656,5781,651,265 39.8%   
Total assets Rs m2,375,4157,127,930 33.3%  
Debt/equity ratio x14.515.6 93.0%   
Return on assets %0.1-0.5 -15.5%  
Return on equity %1.3-9.2 -14.5%  
Capital adequacy ratio %11.813.7 86.1%  
Net NPAs %6.78.6 77.8%  
CASH FLOW
From Operations Rs m-14,158141,670 -10.0%  
From Investments Rs m-2,105-13,515 15.6%  
From Financial Activity Rs m8,13059,747 13.6%  
Net Cashflow Rs m-8,134187,902 -4.3%  

Share Holding

Indian Promoters % 59.1 58.9 100.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 24.0 18.7 128.3%  
FIIs % 9.9 17.2 57.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.0 5.3 132.1%  
Shareholders   114,330 215,441 53.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare ORIENTAL BANK With:   J&K BANK  CORPORATION BANK  IDBI BANK  SYNDICATE BANK  ICICI BANK  

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



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