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Compare PNB with ICICI Bank - Equitymaster
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PNB vs ICICI 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

ICICI BANK 
   Change

Despite being the second largest bank in the country after SBI in terms of asset size, ICICI Bank lost its share of the banking sector's advances from 10.2% in FY07 to 8% in FY12. At the end of March 2012, the bank had assets of over Rs 4.8 trillion ... More

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Current Valuations

    PNB ICICI BANK PNB/
ICICI BANK
 
P/E (TTM) x -18.7 18.5 - View Chart
P/BV x 0.6 2.0 30.7% View Chart
Dividend Yield % 0.0 1.7 -  

Financials

 PNB   ICICI BANK
EQUITY SHARE DATA
    PNB
Mar-16
ICICI BANK
Mar-16
PNB/
ICICI BANK
5-Yr Chart
Click to enlarge
High Rs167331 50.4%   
Low Rs71183 38.9%   
Income per share (Unadj.) Rs258.7102.3 253.0%  
Earnings per share (Unadj.) Rs-19.617.6 -111.5%  
Cash flow per share (Unadj.) Rs-60.572.5 -83.5%  
Dividends per share (Unadj.) Rs05.00 0.0%  
Avg Dividend yield %01.9 0.0%  
Book value per share (Unadj.) Rs212.9162.3 131.2%  
Shares outstanding (eoy) m1,963.605,797.24 33.9%   
Bonus/Rights/Conversions PIESOS-  
Avg Price / Income ratio x0.52.5 18.3%   
Avg P/E ratio x-6.114.7 -41.5%  
Avg P/CF ratio x1.86.6 27.3%  
Avg Price/Bookvalue ratio x0.61.6 35.3%  
Dividend payout %028.5 0.0%   
Avg Mkt Cap Rs m233,8651,491,920 15.7%   
No. of employees `00070.874.1 95.6%   
Total wages & salary Rs m65,64569,186 94.9%   
Avg. income/employee Rs Th7,175.68,002.3 89.7%   
Avg. wages/employee Rs Th927.2933.7 99.3%   
Avg. net profit/employee Rs Th-542.81,373.9 -39.5%   
INCOME DATA
Interest income Rs m508,039592,937 85.7%  
Other income Rs m69,766421,021 16.6%   
Interest expense Rs m343,306339,965 101.0%   
Net interest income Rs m164,733252,972 65.1%  
Operating expense Rs m103,499407,896 25.4%   
Gross profit Rs m61,234-154,923 -39.5%  
Gross profit margin %12.1-26.1 -46.1%  
Provisions/contingencies Rs m167,633123,054 136.2%   
Profit before tax Rs m-52,931143,044 -37.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-1,797-7,469 24.1%   
Prior Period Items Rs m00-   
Tax Rs m-16,29933,775 -48.3%   
Profit after tax Rs m-38,430101,800 -37.8%  
Net profit margin %-7.617.2 -44.1%  
BALANCE SHEET DATA
Advances Rs m4,460,8304,937,291 90.3%   
Deposits Rs m5,703,8264,510,774 126.4%  
Credit/Deposit ratio x78.2109.5 71.5%  
Yield on advances %8.48.4 99.3%   
Cost of deposits %5.44.9 110.0%   
Net Interest Margin %2.44.5 52.9%  
Net fixed assets Rs m53,08187,135 60.9%   
Share capital Rs m3,92711,632 33.8%   
Free reserves Rs m295,310560,261 52.7%   
Net worth Rs m418,043941,040 44.4%   
Borrowings Rs m816,7372,203,777 37.1%   
Investments Rs m1,651,2650-   
Total assets Rs m7,127,9309,187,562 77.6%  
Debt/equity ratio x15.67.1 218.6%   
Return on assets %-0.51.1 -48.7%  
Return on equity %-9.210.8 -85.0%  
Capital adequacy ratio %13.716.6 82.3%  
Net NPAs %8.63.0 288.9%  
CASH FLOW
From Operations Rs m141,670236,453 59.9%  
From Investments Rs m-13,515-118,193 11.4%  
From Financial Activity Rs m59,74758,139 102.8%  
Net Cashflow Rs m187,902176,400 106.5%  

Share Holding

Indian Promoters % 58.9 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 18.7 23.1 81.0%  
FIIs % 17.2 40.0 43.0%  
ADR/GDR % 0.0 29.2 -  
Free float % 5.3 7.8 67.9%  
Shareholders   215,441 585,463 36.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB With:   CITY UNION BANK  DHANLAXMI BANK  IDBI BANK  INDIAN OVERSEAS BANK  CORPORATION BANK  

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



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Aug 22, 2017 03:28 PM

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