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
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
PNB | DCB BANK | PNB/ DCB BANK |
|||
---|---|---|---|---|---|
P/E (TTM) | x | -29.9 | 10.1 | - | View Chart |
P/BV | x | 0.1 | 1.1 | 11.4% | View Chart |
Dividend Yield | % | 0.0 | 0.8 | - |
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EQUITY SHARE DATA | |||||
---|---|---|---|---|---|
PNB Mar-20 |
DCB BANK Mar-19 |
PNB/ DCB BANK |
5-Yr Chart Click to enlarge
|
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High | Rs | 100 | 209 | 47.9% | |
Low | Rs | 29 | 140 | 20.6% | |
Income per share (Unadj.) | Rs | 81.5 | 98.3 | 83.0% | |
Earnings per share (Unadj.) | Rs | 0.7 | 10.5 | 6.2% | |
Cash flow per share (Unadj.) | Rs | -3.3 | 39.4 | -8.3% | |
Dividends per share (Unadj.) | Rs | 0 | 1.00 | 0.0% | |
Avg Dividend yield | % | 0 | 0.6 | 0.0% | |
Book value per share (Unadj.) | Rs | 94.8 | 100.6 | 94.2% | |
Shares outstanding (eoy) | m | 6,737.57 | 309.55 | 2,176.6% | |
Bonus/Rights/Conversions | - | - | - | ||
Avg Price / Income ratio | x | 0.8 | 1.8 | 44.6% | |
Avg P/E ratio | x | 98.9 | 16.6 | 597.4% | |
Avg P/CF ratio | x | 2.8 | 11.6 | 23.9% | |
Avg Price/Bookvalue ratio | x | 0.7 | 1.7 | 39.2% | |
Dividend payout | % | 0 | 9.5 | 0.0% | |
Avg Mkt Cap | Rs m | 433,563 | 53,862 | 805.0% | |
No. of employees | `000 | 68.8 | 6.1 | 1,121.3% | |
Total wages & salary | Rs m | 70,600 | 4,340 | 1,626.8% | |
Avg. income/employee | Rs Th | 7,984.5 | 4,958.4 | 161.0% | |
Avg. wages/employee | Rs Th | 1,026.4 | 707.5 | 145.1% | |
Avg. net profit/employee | Rs Th | 63.7 | 530.4 | 12.0% |
INCOME DATA | |||||
---|---|---|---|---|---|
Interest income | Rs m | 549,185 | 30,415 | 1,805.6% | |
Other income | Rs m | 93,877 | 3,502 | 2,681.0% | |
Interest expense | Rs m | 369,975 | 18,922 | 1,955.3% | |
Net interest income | Rs m | 179,210 | 11,493 | 1,559.3% | |
Operating expense | Rs m | 121,505 | 8,529 | 1,424.7% | |
Gross profit | Rs m | 57,705 | 2,964 | 1,946.6% | |
Gross profit margin | % | 10.5 | 9.7 | 107.8% | |
Provisions/contingencies | Rs m | 152,585 | 1,401 | 10,894.3% | |
Profit before tax | Rs m | 10,237 | 5,065 | 202.1% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | -1,216 | 0 | - | |
Prior Period Items | Rs m | 0 | 0 | - | |
Tax | Rs m | 4,637 | 1,812 | 255.9% | |
Profit after tax | Rs m | 4,385 | 3,254 | 134.8% | |
Net profit margin | % | 0.8 | 10.7 | 7.5% |
BALANCE SHEET DATA | |||||
---|---|---|---|---|---|
Advances | Rs m | 4,768,533 | 235,680 | 2,023.3% | |
Deposits | Rs m | 7,102,544 | 284,351 | 2,497.8% | |
Credit/Deposit ratio | x | 67.1 | 82.9 | 81.0% | |
Yield on advances | % | 7.6 | 10.4 | 73.0% | |
Cost of deposits | % | 4.9 | 6.0 | 80.8% | |
Net Interest Margin | % | 2.2 | 3.4 | 66.0% | |
Net fixed assets | Rs m | 72,620 | 5,260 | 1,380.7% | |
Share capital | Rs m | 13,475 | 3,096 | 435.3% | |
Free reserves | Rs m | 625,289 | 28,049 | 2,229.3% | |
Net worth | Rs m | 638,764 | 31,144 | 2,051.0% | |
Borrowings | Rs m | 625,124 | 27,232 | 2,295.5% | |
Investments | Rs m | 2,537,825 | 78,441 | 3,235.3% | |
Total assets | Rs m | 8,514,573 | 357,918 | 2,378.9% | |
Debt/equity ratio | x | 12.1 | 10.0 | 120.9% | |
Return on assets | % | 0.1 | 0.9 | 5.7% | |
Return on equity | % | 0.7 | 10.4 | 6.6% | |
Capital adequacy ratio | % | 14.1 | 16.8 | 84.1% | |
Net NPAs | % | 5.8 | 0.7 | 889.2% |
CASH FLOW | |||||
---|---|---|---|---|---|
From Operations | Rs m | -113,362 | -2,813 | 4,029.4% | |
From Investments | Rs m | -15,159 | -764 | 1,983.6% | |
From Financial Activity | Rs m | 135,571 | 7,792 | 1,740.0% | |
Net Cashflow | Rs m | 7,050 | 4,214 | 167.3% |
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 | - |
Compare PNB With: KOTAK MAHINDRA BANK RBL BANK CANARA BANK IDBI BANK BANDHAN BANK
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