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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 -0.8 17.4 - View Chart
P/BV x 0.3 1.6 20.3% View Chart
Dividend Yield % 0.0 0.5 -  

Financials

 PNB   DCB BANK
EQUITY SHARE DATA
    PNB
Mar-18
DCB BANK
Mar-18
PNB/
DCB BANK
5-Yr Chart
Click to enlarge
High Rs214213 100.3%   
Low Rs93155 60.2%   
Income per share (Unadj.) Rs176.578.3 225.4%  
Earnings per share (Unadj.) Rs-45.78.0 -573.3%  
Cash flow per share (Unadj.) Rs-79.633.4 -238.6%  
Dividends per share (Unadj.) Rs00.75 0.0%  
Avg Dividend yield %00.4 0.0%  
Book value per share (Unadj.) Rs153.991.1 168.9%  
Shares outstanding (eoy) m2,760.57308.08 896.1%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.92.3 37.0%   
Avg P/E ratio x-3.423.1 -14.5%  
Avg P/CF ratio x13.414.8 91.0%  
Avg Price/Bookvalue ratio x1.02.0 49.4%  
Dividend payout %09.4 0.0%   
Avg Mkt Cap Rs m423,47156,671 747.2%   
No. of employees `00074.95.8 1,293.6%   
Total wages & salary Rs m92,4243,812 2,424.4%   
Avg. income/employee Rs Th6,505.64,167.5 156.1%   
Avg. wages/employee Rs Th1,234.0658.4 187.4%   
Avg. net profit/employee Rs Th-1,682.7423.7 -397.1%   
INCOME DATA
Interest income Rs m487,24924,130 2,019.3%  
Other income Rs m88,8333,103 2,863.0%   
Interest expense Rs m335,30414,176 2,365.4%   
Net interest income Rs m151,9459,954 1,526.4%  
Operating expense Rs m136,4267,807 1,747.4%   
Gross profit Rs m15,5192,147 722.8%  
Gross profit margin %3.28.9 35.8%  
Provisions/contingencies Rs m157,5771,388 11,352.8%   
Profit before tax Rs m-198,4623,862 -5,139.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-1880-   
Prior Period Items Rs m00-   
Tax Rs m-72,6181,408 -5,156.4%   
Profit after tax Rs m-126,0312,453 -5,137.0%  
Net profit margin %-25.910.2 -254.4%  
BALANCE SHEET DATA
Advances Rs m4,387,980203,367 2,157.7%   
Deposits Rs m6,484,390240,069 2,701.1%  
Credit/Deposit ratio x67.784.7 79.9%  
Yield on advances %7.49.5 77.7%   
Cost of deposits %4.75.4 87.9%   
Net Interest Margin %2.03.4 59.5%  
Net fixed assets Rs m63,7434,940 1,290.3%   
Share capital Rs m5,5213,081 179.2%   
Free reserves Rs m268,28424,983 1,073.9%   
Net worth Rs m424,85128,064 1,513.9%   
Borrowings Rs m653,29719,267 3,390.7%   
Investments Rs m2,059,10262,190 3,311.0%   
Total assets Rs m7,789,949302,221 2,577.6%  
Debt/equity ratio x16.89.2 181.8%   
Return on assets %-1.60.8 -199.3%  
Return on equity %-29.78.7 -339.3%  
Capital adequacy ratio %9.216.5 55.9%  
Net NPAs %11.20.7 1,561.1%  
CASH FLOW
From Operations Rs m-1,4022,301 -60.9%  
From Investments Rs m-11,032-592 1,863.1%  
From Financial Activity Rs m73,52410,087 728.9%  
Net Cashflow Rs m61,09111,795 517.9%  

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:   KARNATAKA BANK  CANARA BANK  AXIS BANK  IDFC BANK LTD  UNION BANK  

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



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For the quarter ended September 2018, PNB has posted a net profit of Rs 45 bn (down 908.5% YoY). Sales on the other hand came in at Rs 123 bn (up 0.2% YoY). Read on for a complete analysis of PNB's quarterly results.

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