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Compare PNB with City Union Bank - Equitymaster

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PNB vs CITY UNION 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

CITY UNION BANK 
   Change

Apart from a strong presence in Tamil Nadu, City Union Bank (CUB) has a network of 300 branches and 500 ATMs spanning most of west and southern India. The bank has a brilliant track-record of being profitable and paying dividend for the past 100 year... More

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Current Valuations

    PNB CITY UNION BANK PNB/
CITY UNION BANK
 
P/E (TTM) x -0.7 16.3 - View Chart
P/BV x 0.3 2.5 11.7% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 PNB   CITY UNION BANK
EQUITY SHARE DATA
    PNB
Mar-18
CITY UNION BANK
Mar-18
PNB/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs214209 102.3%   
Low Rs93145 64.3%   
Income per share (Unadj.) Rs176.551.2 344.8%  
Earnings per share (Unadj.) Rs-45.78.9 -512.6%  
Cash flow per share (Unadj.) Rs-79.617.0 -469.7%  
Dividends per share (Unadj.) Rs00.30 0.0%  
Avg Dividend yield %00.2 0.0%  
Book value per share (Unadj.) Rs153.962.6 245.7%  
Shares outstanding (eoy) m2,760.57664.73 415.3%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.93.5 25.1%   
Avg P/E ratio x-3.419.9 -16.9%  
Avg P/CF ratio x13.411.6 115.3%  
Avg Price/Bookvalue ratio x1.02.8 35.3%  
Dividend payout %03.4 0.0%   
Avg Mkt Cap Rs m423,471117,591 360.1%   
No. of employees `00074.95.3 1,408.1%   
Total wages & salary Rs m92,4243,159 2,925.9%   
Avg. income/employee Rs Th6,505.66,396.7 101.7%   
Avg. wages/employee Rs Th1,234.0593.9 207.8%   
Avg. net profit/employee Rs Th-1,682.71,113.0 -151.2%   
INCOME DATA
Interest income Rs m487,24934,024 1,432.1%  
Other income Rs m88,8335,321 1,669.5%   
Interest expense Rs m335,30419,721 1,700.2%   
Net interest income Rs m151,94514,303 1,062.3%  
Operating expense Rs m136,4267,547 1,807.8%   
Gross profit Rs m15,5196,757 229.7%  
Gross profit margin %3.219.9 16.0%  
Provisions/contingencies Rs m157,5774,178 3,772.1%   
Profit before tax Rs m-198,4627,900 -2,512.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-1880-   
Prior Period Items Rs m00-   
Tax Rs m-72,6181,980 -3,667.6%   
Profit after tax Rs m-126,0315,920 -2,128.9%  
Net profit margin %-25.917.4 -148.7%  
BALANCE SHEET DATA
Advances Rs m4,387,980278,528 1,575.4%   
Deposits Rs m6,484,390328,526 1,973.8%  
Credit/Deposit ratio x67.784.8 79.8%  
Yield on advances %7.410.2 72.7%   
Cost of deposits %4.75.9 80.4%   
Net Interest Margin %2.03.7 54.9%  
Net fixed assets Rs m63,7432,231 2,856.8%   
Share capital Rs m5,521665 830.6%   
Free reserves Rs m268,28440,968 654.9%   
Net worth Rs m424,85141,632 1,020.5%   
Borrowings Rs m653,29717,359 3,763.5%   
Investments Rs m2,059,10278,791 2,613.4%   
Total assets Rs m7,789,949399,373 1,950.5%  
Debt/equity ratio x16.88.3 202.2%   
Return on assets %-1.61.5 -109.1%  
Return on equity %-29.714.2 -208.6%  
Capital adequacy ratio %9.216.2 56.7%  
Net NPAs %11.21.7 661.2%  
CASH FLOW
From Operations Rs m-1,402-1,831 76.6%  
From Investments Rs m-11,032-605 1,822.5%  
From Financial Activity Rs m73,52411 674,534.9%  
Net Cashflow Rs m61,091-2,425 -2,518.8%  

Share Holding

Indian Promoters % 58.9 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 18.7 10.2 183.3%  
FIIs % 17.2 33.4 51.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 5.3 56.0 9.5%  
Shareholders   215,441 82,699 260.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB With:   SYNDICATE BANK  J&K BANK  ING VYSYA BANK  UNION BANK  INDUSIND BANK  

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



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