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- PNB - BANK OF BARODA
PNB vs BANK OF BARODA - 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
BANK OF BARODA 
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
Current Valuations
| 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 | - |
Financials
 PNB  BANK OF BARODA |
| 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% | |
Share Holding
| 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)
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Mar 3, 2021 | Updated on Mar 3, 2021PNB 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%).
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