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
Bank of Baroda (BoB) is among the top banks in the country with a 6.8% share of the total non-food disbursals at the end of FY12. After a brand and operating overhaul, the bank has seen accelerated growth, enabling it to position itself favourably am... More
PNB | BANK OF BARODA | PNB/ BANK OF BARODA |
|||
---|---|---|---|---|---|
P/E (TTM) | x | -30.9 | 8.3 | - | View Chart |
P/BV | x | 0.1 | 0.3 | 48.4% | View Chart |
Dividend Yield | % | 0.0 | 0.0 | - |
![]() ![]() |
EQUITY SHARE DATA | |||||
---|---|---|---|---|---|
PNB Mar-20 |
BANK OF BARODA Mar-20 |
PNB/ BANK OF BARODA |
5-Yr Chart Click to enlarge
|
||
High | Rs | 100 | 144 | 69.6% | |
Low | Rs | 29 | 47 | 61.3% | |
Income per share (Unadj.) | Rs | 81.5 | 170.2 | 47.9% | |
Earnings per share (Unadj.) | Rs | 0.7 | 2.0 | 32.5% | |
Cash flow per share (Unadj.) | Rs | -3.3 | -5.1 | 63.9% | |
Dividends per share (Unadj.) | Rs | 0 | 0 | - | |
Avg Dividend yield | % | 0 | 0 | - | |
Book value per share (Unadj.) | Rs | 94.8 | 164.2 | 57.7% | |
Shares outstanding (eoy) | m | 6,737.57 | 4,634.23 | 145.4% | |
Bonus/Rights/Conversions | - | - | - | ||
Avg Price / Income ratio | x | 0.8 | 0.6 | 141.0% | |
Avg P/E ratio | x | 98.9 | 47.6 | 207.7% | |
Avg P/CF ratio | x | 2.8 | 2.0 | 141.5% | |
Avg Price/Bookvalue ratio | x | 0.7 | 0.6 | 117.0% | |
Dividend payout | % | 0 | 0 | - | |
Avg Mkt Cap | Rs m | 433,563 | 441,642 | 98.2% | |
No. of employees | `000 | 68.8 | 84.3 | 81.6% | |
Total wages & salary | Rs m | 70,600 | 92,792 | 76.1% | |
Avg. income/employee | Rs Th | 7,984.5 | 9,360.7 | 85.3% | |
Avg. wages/employee | Rs Th | 1,026.4 | 1,101.0 | 93.2% | |
Avg. net profit/employee | Rs Th | 63.7 | 110.1 | 57.9% |
INCOME DATA | |||||
---|---|---|---|---|---|
Interest income | Rs m | 549,185 | 788,947 | 69.6% | |
Other income | Rs m | 93,877 | 121,913 | 77.0% | |
Interest expense | Rs m | 369,975 | 500,399 | 73.9% | |
Net interest income | Rs m | 179,210 | 288,548 | 62.1% | |
Operating expense | Rs m | 121,505 | 205,763 | 59.1% | |
Gross profit | Rs m | 57,705 | 82,785 | 69.7% | |
Gross profit margin | % | 10.5 | 10.5 | 100.1% | |
Provisions/contingencies | Rs m | 152,585 | 217,038 | 70.3% | |
Profit before tax | Rs m | 10,237 | -13,013 | -78.7% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | -1,216 | 530 | -229.6% | |
Prior Period Items | Rs m | 0 | 0 | - | |
Tax | Rs m | 4,637 | -21,761 | -21.3% | |
Profit after tax | Rs m | 4,385 | 9,278 | 47.3% | |
Net profit margin | % | 0.8 | 1.2 | 67.9% |
BALANCE SHEET DATA | |||||
---|---|---|---|---|---|
Advances | Rs m | 4,768,533 | 7,065,397 | 67.5% | |
Deposits | Rs m | 7,102,544 | 9,732,281 | 73.0% | |
Credit/Deposit ratio | x | 67.1 | 72.6 | 92.5% | |
Yield on advances | % | 7.6 | 7.9 | 96.5% | |
Cost of deposits | % | 4.9 | 4.6 | 105.3% | |
Net Interest Margin | % | 2.2 | 2.6 | 86.6% | |
Net fixed assets | Rs m | 72,620 | 90,438 | 80.3% | |
Share capital | Rs m | 13,475 | 9,254 | 145.6% | |
Free reserves | Rs m | 625,289 | 751,789 | 83.2% | |
Net worth | Rs m | 638,764 | 761,043 | 83.9% | |
Borrowings | Rs m | 625,124 | 957,527 | 65.3% | |
Investments | Rs m | 2,537,825 | 2,897,267 | 87.6% | |
Total assets | Rs m | 8,514,573 | 11,999,421 | 71.0% | |
Debt/equity ratio | x | 12.1 | 14.0 | 86.1% | |
Return on assets | % | 0.1 | 0.1 | 66.6% | |
Return on equity | % | 0.7 | 1.2 | 56.3% | |
Capital adequacy ratio | % | 14.1 | 13.3 | 106.3% | |
Net NPAs | % | 5.8 | 3.1 | 184.7% |
CASH FLOW | |||||
---|---|---|---|---|---|
From Operations | Rs m | -113,362 | 9,295 | -1,219.6% | |
From Investments | Rs m | -15,159 | 1,410 | -1,074.9% | |
From Financial Activity | Rs m | 135,571 | 145,897 | 92.9% | |
Net Cashflow | Rs m | 7,050 | 326,715 | 2.2% |
Indian Promoters | % | 58.9 | 56.3 | 104.7% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 18.7 | 16.6 | 112.8% | |
FIIs | % | 17.2 | 15.6 | 110.1% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 5.3 | 11.5 | 45.9% | |
Shareholders | 215,441 | 180,376 | 119.4% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PNB With: UNITED BANK OF INDIA KARNATAKA BANK INDIAN OVERSEAS BANK YES BANK PUNJAB & SIND BANK
Compare PNB With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
Share markets in India are presently trading on a strong note. The BSE Sensex is trading up by 586 points, up 1.2% at 50,882 levels.
PNB share price is trading up by 5% and its current market price is Rs 43. The BSE BANKEX is up by 1.6%. The top gainers in the BSE BANKEX Index is PNB (up 5.2%).
For the quarter ended September 2020, BANK OF BARODA has posted a net profit of Rs 17 bn (up 127.9% YoY). Sales on the other hand came in at Rs 179 bn (down 7.0% YoY). Read on for a complete analysis of BANK OF BARODA's quarterly results.
A timeline of how YES Bank went from a stock market darling to a pariah.
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For the quarter ended June 2020, PNB has posted a net profit of Rs 3 bn (down 69.7% YoY). Sales on the other hand came in at Rs 206 bn (up 57.5% YoY). Read on for a complete analysis of PNB's quarterly results.
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