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Compare PNB with Andhra Bank - Equitymaster
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PNB vs ANDHRA BANK - 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

ANDHRA BANK 
   Change

Established in 1923, Andhra Bank had 1.9% share of the total non-food credit and 1.8% share of the total deposits in the banking sector in FY12. The bank has national presence through 1,712 branches and around 1,056 ATMs, with an employee base of 15,... More

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Current Valuations

    PNB ANDHRA BANK PNB/
ANDHRA BANK
 
P/E (TTM) x 4.9 -10.9 - View Chart
P/BV x 0.5 0.2 205.0% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PNB   ANDHRA BANK
EQUITY SHARE DATA
    PNB
Mar-17
ANDHRA BANK
Mar-17
PNB/
ANDHRA BANK
5-Yr Chart
Click to enlarge
High Rs15965 247.1%   
Low Rs7245 160.7%   
Income per share (Unadj.) Rs225.8267.5 84.4%  
Earnings per share (Unadj.) Rs4.03.0 131.2%  
Cash flow per share (Unadj.) Rs-17.422.9 -76.0%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs202.8167.8 120.9%  
Shares outstanding (eoy) m2,127.97681.16 312.4%   
Bonus/Rights/Conversions OI--  
Avg Price / Income ratio x0.50.2 250.7%   
Avg P/E ratio x29.018.0 161.3%  
Avg P/CF ratio x1.61.1 146.3%  
Avg Price/Bookvalue ratio x0.60.3 175.1%  
Dividend payout %00-   
Avg Mkt Cap Rs m246,20637,225 661.4%   
No. of employees `00073.919.4 381.4%   
Total wages & salary Rs m54,82321,365 256.6%   
Avg. income/employee Rs Th6,501.59,400.6 69.2%   
Avg. wages/employee Rs Th741.71,102.4 67.3%   
Avg. net profit/employee Rs Th114.9106.9 107.5%   
INCOME DATA
Interest income Rs m480,581182,183 263.8%  
Other income Rs m91,67630,856 297.1%   
Interest expense Rs m327,223124,960 261.9%   
Net interest income Rs m153,35857,223 268.0%  
Operating expense Rs m95,23644,046 216.2%   
Gross profit Rs m58,12213,177 441.1%  
Gross profit margin %12.17.2 167.2%  
Provisions/contingencies Rs m147,17632,366 454.7%   
Profit before tax Rs m15,4013,921 392.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-5200-   
Prior Period Items Rs m00-   
Tax Rs m6,3901,850 345.4%   
Profit after tax Rs m8,4922,071 410.0%  
Net profit margin %1.81.1 155.4%  
BALANCE SHEET DATA
Advances Rs m4,242,3051,368,709 309.9%   
Deposits Rs m6,296,5091,954,759 322.1%  
Credit/Deposit ratio x67.470.0 96.2%  
Yield on advances %7.99.9 80.0%   
Cost of deposits %4.86.0 80.0%   
Net Interest Margin %2.22.6 82.4%  
Net fixed assets Rs m62,97815,427 408.2%   
Share capital Rs m4,2566,812 62.5%   
Free reserves Rs m305,88350,355 607.5%   
Net worth Rs m431,649114,292 377.7%   
Borrowings Rs m433,36088,669 488.7%   
Investments Rs m1,915,272623,890 307.0%   
Total assets Rs m7,333,1092,254,463 325.3%  
Debt/equity ratio x15.617.9 87.2%   
Return on assets %0.10.1 126.1%  
Return on equity %2.01.8 108.6%  
Capital adequacy ratio %12.412.4 100.1%  
Net NPAs %7.87.6 103.2%  
CASH FLOW
From Operations Rs m219,380106,694 205.6%  
From Investments Rs m1,588-1,587 -100.0%  
From Financial Activity Rs m-97,671-17,004 574.4%  
Net Cashflow Rs m123,29788,103 139.9%  

Share Holding

Indian Promoters % 58.9 60.1 98.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 18.7 10.9 171.6%  
FIIs % 17.2 11.5 149.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 5.3 17.4 30.5%  
Shareholders   215,441 222,746 96.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB With:   KARNATAKA BANK  ALLAHABAD BANK  CITY UNION BANK  UNITED BANK OF INDIA  UNION BANK  

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



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