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Compare PNB with Development Credit Bank - Equitymaster

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PNB vs DCB 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

DCB BANK 
   Change

Development Credit Bank (DCB) is a small new generation private sector bank serving around 6 lakh customers with a network of more than 80 branches and 130 ATMs. Its branches are concentrated in western India with 65% branches located in Maharashtra,... More

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Current Valuations

    PNB DCB BANK PNB/
DCB BANK
 
P/E (TTM) x -1.3 20.3 - View Chart
P/BV x 0.4 1.8 21.4% View Chart
Dividend Yield % 0.0 0.4 -  

Financials

 PNB   DCB BANK
EQUITY SHARE DATA
    PNB
Mar-17
DCB BANK
Mar-18
PNB/
DCB BANK
5-Yr Chart
Click to enlarge
High Rs159213 74.8%   
Low Rs72155 46.5%   
Income per share (Unadj.) Rs225.878.3 288.3%  
Earnings per share (Unadj.) Rs4.08.0 50.1%  
Cash flow per share (Unadj.) Rs-17.433.4 -52.2%  
Dividends per share (Unadj.) Rs00.75 0.0%  
Avg Dividend yield %00.4 0.0%  
Book value per share (Unadj.) Rs202.891.1 222.7%  
Shares outstanding (eoy) m2,127.97308.08 690.7%   
Bonus/Rights/Conversions OI--  
Avg Price / Income ratio x0.52.3 21.8%   
Avg P/E ratio x29.023.1 125.5%  
Avg P/CF ratio x1.614.8 10.7%  
Avg Price/Bookvalue ratio x0.62.0 28.2%  
Dividend payout %09.4 0.0%   
Avg Mkt Cap Rs m246,20656,671 434.4%   
No. of employees `00073.95.8 1,276.7%   
Total wages & salary Rs m54,8233,812 1,438.1%   
Avg. income/employee Rs Th6,501.54,167.5 156.0%   
Avg. wages/employee Rs Th741.7658.4 112.6%   
Avg. net profit/employee Rs Th114.9423.7 27.1%   
INCOME DATA
Interest income Rs m480,58124,130 1,991.6%  
Other income Rs m91,6763,103 2,954.6%   
Interest expense Rs m327,22314,176 2,308.4%   
Net interest income Rs m153,3589,954 1,540.6%  
Operating expense Rs m95,2367,807 1,219.8%   
Gross profit Rs m58,1222,147 2,707.1%  
Gross profit margin %12.18.9 135.9%  
Provisions/contingencies Rs m147,1761,388 10,603.5%   
Profit before tax Rs m15,4013,862 398.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-5200-   
Prior Period Items Rs m00-   
Tax Rs m6,3901,408 453.7%   
Profit after tax Rs m8,4922,453 346.1%  
Net profit margin %1.810.2 17.4%  
BALANCE SHEET DATA
Advances Rs m4,242,305203,367 2,086.0%   
Deposits Rs m6,296,509240,069 2,622.8%  
Credit/Deposit ratio x67.484.7 79.5%  
Yield on advances %7.99.5 83.3%   
Cost of deposits %4.85.4 89.2%   
Net Interest Margin %2.23.4 63.0%  
Net fixed assets Rs m62,9784,940 1,274.8%   
Share capital Rs m4,2563,081 138.1%   
Free reserves Rs m305,88324,983 1,224.3%   
Net worth Rs m431,64928,064 1,538.1%   
Borrowings Rs m433,36019,267 2,249.2%   
Investments Rs m1,915,27262,190 3,079.7%   
Total assets Rs m7,333,109302,221 2,426.4%  
Debt/equity ratio x15.69.2 168.7%   
Return on assets %0.10.8 14.3%  
Return on equity %2.08.7 22.5%  
Capital adequacy ratio %12.416.5 75.2%  
Net NPAs %7.80.7 1,084.7%  
CASH FLOW
From Operations Rs m219,3802,301 9,536.2%  
From Investments Rs m1,588-592 -268.1%  
From Financial Activity Rs m-97,67110,087 -968.3%  
Net Cashflow Rs m123,29711,795 1,045.3%  

Share Holding

Indian Promoters % 58.9 0.9 6,544.4%  
Foreign collaborators % 0.0 15.5 -  
Indian inst/Mut Fund % 18.7 23.2 80.6%  
FIIs % 17.2 15.0 114.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 5.3 45.5 11.6%  
Shareholders   215,441 184,073 117.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB With:   UNION BANK  SYNDICATE BANK  CORPORATION BANK  BANK OF MAHARASHTRA  SOUTH IND.BANK  

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



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Jun 18, 2018 03:35 PM

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