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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 5.1 23.1 22.2% View Chart
P/BV x 0.5 2.0 25.9% View Chart
Dividend Yield % 0.0 0.8 -  

Financials

 PNB   ICICI BANK
EQUITY SHARE DATA
    PNB
Mar-17
ICICI BANK
Mar-17
PNB/
ICICI BANK
5-Yr Chart
Click to enlarge
High Rs159293 54.5%   
Low Rs72215 33.5%   
Income per share (Unadj.) Rs225.8104.8 215.5%  
Earnings per share (Unadj.) Rs4.017.5 22.8%  
Cash flow per share (Unadj.) Rs-17.476.1 -22.9%  
Dividends per share (Unadj.) Rs02.50 0.0%  
Avg Dividend yield %01.0 0.0%  
Book value per share (Unadj.) Rs202.8179.9 112.7%  
Shares outstanding (eoy) m2,127.975,814.77 36.6%   
Bonus/Rights/Conversions OIESOS-  
Avg Price / Income ratio x0.52.4 21.2%   
Avg P/E ratio x29.014.5 200.2%  
Avg P/CF ratio x1.65.5 28.7%  
Avg Price/Bookvalue ratio x0.61.4 40.5%  
Dividend payout %014.3 0.0%   
Avg Mkt Cap Rs m246,2061,475,207 16.7%   
No. of employees `00073.981.1 91.1%   
Total wages & salary Rs m54,82378,933 69.5%   
Avg. income/employee Rs Th6,501.57,511.5 86.6%   
Avg. wages/employee Rs Th741.7972.9 76.2%   
Avg. net profit/employee Rs Th114.91,255.8 9.1%   
INCOME DATA
Interest income Rs m480,581609,400 78.9%  
Other income Rs m91,676524,577 17.5%   
Interest expense Rs m327,223348,358 93.9%   
Net interest income Rs m153,358261,042 58.7%  
Operating expense Rs m95,236481,700 19.8%   
Gross profit Rs m58,122-220,658 -26.3%  
Gross profit margin %12.1-36.2 -33.4%  
Provisions/contingencies Rs m147,176165,825 88.8%   
Profit before tax Rs m15,401138,094 11.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-520-11,520 4.5%   
Prior Period Items Rs m00-   
Tax Rs m6,39024,690 25.9%   
Profit after tax Rs m8,492101,884 8.3%  
Net profit margin %1.816.7 10.6%  
BALANCE SHEET DATA
Advances Rs m4,242,3055,153,173 82.3%   
Deposits Rs m6,296,5095,125,873 122.8%  
Credit/Deposit ratio x67.4100.5 67.0%  
Yield on advances %7.98.2 97.3%   
Cost of deposits %4.84.5 105.5%   
Net Interest Margin %2.22.9 74.8%  
Net fixed assets Rs m62,97893,380 67.4%   
Share capital Rs m4,25611,651 36.5%   
Free reserves Rs m305,883581,559 52.6%   
Net worth Rs m431,6491,046,320 41.3%   
Borrowings Rs m433,3601,882,868 23.0%   
Investments Rs m1,915,2723,045,017 62.9%   
Total assets Rs m7,333,1099,860,427 74.4%  
Debt/equity ratio x15.66.7 232.8%   
Return on assets %0.11.0 11.2%  
Return on equity %2.09.7 20.2%  
Capital adequacy ratio %12.417.4 71.2%  
Net NPAs %7.85.4 143.8%  
CASH FLOW
From Operations Rs m219,380526,355 41.7%  
From Investments Rs m1,588-16,057 -9.9%  
From Financial Activity Rs m-97,671-354,695 27.5%  
Net Cashflow Rs m123,297155,603 79.2%  

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:   HDFC BANK  SBI  DCB BANK  BANK OF INDIA  FEDERAL BANK  

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



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Jan 22, 2018

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