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PNB vs INDIAN OVERSEAS 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

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Current Valuations

    PNB INDIAN OVERSEAS BANK PNB/
INDIAN OVERSEAS BANK
 
P/E (TTM) x -1.1 -0.4 - View Chart
P/BV x 0.3 0.1 335.1% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PNB   INDIAN OVERSEAS BANK
EQUITY SHARE DATA
    PNB
Mar-19
INDIAN OVERSEAS BANK
Mar-19
PNB/
INDIAN OVERSEAS BANK
5-Yr Chart
Click to enlarge
High Rs10519 562.6%   
Low Rs6011 548.6%   
Income per share (Unadj.) Rs113.319.3 587.3%  
Earnings per share (Unadj.) Rs-21.8-4.1 532.6%  
Cash flow per share (Unadj.) Rs-53.9-16.1 334.6%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs98.917.9 552.4%  
Shares outstanding (eoy) m4,604.059,141.65 50.4%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.70.8 94.9%   
Avg P/E ratio x-3.8-3.6 104.7%  
Avg P/CF ratio x3.41.4 239.5%  
Avg Price/Bookvalue ratio x0.80.8 100.9%  
Dividend payout %00-   
Avg Mkt Cap Rs m379,834135,296 280.7%   
No. of employees `00070.826.3 268.7%   
Total wages & salary Rs m70,47526,469 266.3%   
Avg. income/employee Rs Th7,364.46,691.4 110.1%   
Avg. wages/employee Rs Th995.31,004.5 99.1%   
Avg. net profit/employee Rs Th-1,416.0-1,418.6 99.8%   
INCOME DATA
Interest income Rs m521,471176,313 295.8%  
Other income Rs m73,67442,063 175.2%   
Interest expense Rs m346,557123,521 280.6%   
Net interest income Rs m174,91552,791 331.3%  
Operating expense Rs m116,89344,516 262.6%   
Gross profit Rs m58,0228,276 701.1%  
Gross profit margin %11.14.7 237.1%  
Provisions/contingencies Rs m211,381132,171 159.9%   
Profit before tax Rs m-149,085-59,605 250.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-4,5630-   
Prior Period Items Rs m00-   
Tax Rs m-53,384-22,227 240.2%   
Profit after tax Rs m-100,264-37,379 268.2%  
Net profit margin %-19.2-21.2 90.7%  
BALANCE SHEET DATA
Advances Rs m4,624,1621,325,976 348.7%   
Deposits Rs m6,818,7422,225,341 306.4%  
Credit/Deposit ratio x67.859.6 113.8%  
Yield on advances %7.78.8 86.6%   
Cost of deposits %4.75.2 91.3%   
Net Interest Margin %2.32.3 101.9%  
Net fixed assets Rs m62,47633,369 187.2%   
Share capital Rs m9,20891,417 10.1%   
Free reserves Rs m445,97372,182 617.8%   
Net worth Rs m455,181163,599 278.2%   
Borrowings Rs m468,28061,460 761.9%   
Investments Rs m2,097,230669,323 313.3%   
Total assets Rs m7,892,6582,500,075 315.7%  
Debt/equity ratio x16.014.0 114.5%   
Return on assets %-1.3-1.5 85.0%  
Return on equity %-22.0-22.8 96.4%  
Capital adequacy ratio %9.710.2 95.3%  
Net NPAs %6.610.8 60.7%  
CASH FLOW
From Operations Rs m-341,580-7,859 4,346.6%  
From Investments Rs m2,248-6,471 -34.7%  
From Financial Activity Rs m137,41057,795 237.8%  
Net Cashflow Rs m-201,92243,465 -464.6%  

Share Holding

Indian Promoters % 58.9 73.8 79.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 18.7 15.3 122.2%  
FIIs % 17.2 1.9 905.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 5.3 9.1 58.2%  
Shareholders   215,441 250,609 86.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB With:   YES BANK  UNITED BANK OF INDIA  UNION BANK  FEDERAL BANK  KARUR VYSYA BANK  

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



Today's Market

Yes Bank's Road Ahead(Podcast)

The stock markets witnessed selling pressure in the week gone by. Market participants remained cautious tracking tepid quarterly earnings amid weak cues.

Related Views on News

PNB Announces Quarterly Results (4QFY19); Net Profit Up 64.6% (Quarterly Result Update)

May 30, 2019 | Updated on May 30, 2019

For the quarter ended March 2019, PNB has posted a net profit of Rs 47 bn (up 64.6% YoY). Sales on the other hand came in at Rs 128 bn (up 12.7% YoY). Read on for a complete analysis of PNB's quarterly results.

INDIAN OVERSEAS BANK Announces Quarterly Results (4QFY19); Net Profit Up 45.0% (Quarterly Result Update)

May 10, 2019 | Updated on May 10, 2019

For the quarter ended March 2019, INDIAN OVERSEAS BANK has posted a net profit of Rs 20 bn (up 45.0% YoY). Sales on the other hand came in at Rs 46 bn (down 5.6% YoY). Read on for a complete analysis of INDIAN OVERSEAS BANK's quarterly results.

PNB Announces Quarterly Results (3QFY19); Net Profit Down 1189.6% (Quarterly Result Update)

Feb 13, 2019 | Updated on Feb 13, 2019

For the quarter ended December 2018, PNB has posted a net profit of Rs 25 bn (down 1189.6% YoY). Sales on the other hand came in at Rs 130 bn (up 7.1% YoY). Read on for a complete analysis of PNB's quarterly results.

INDIAN OVERSEAS BANK Announces Quarterly Results (3QFY19); Net Profit Up 63.2% (Quarterly Result Update)

Jan 28, 2019 | Updated on Jan 28, 2019

For the quarter ended December 2018, INDIAN OVERSEAS BANK has posted a net profit of Rs 3 bn (up 63.2% YoY). Sales on the other hand came in at Rs 45 bn (up 6.8% YoY). Read on for a complete analysis of INDIAN OVERSEAS BANK's quarterly results.

INDIAN OVERSEAS BANK Announces Quarterly Results (2QFY19); Net Profit Up 58.6% (Quarterly Result Update)

Nov 9, 2018 | Updated on Nov 9, 2018

For the quarter ended September 2018, INDIAN OVERSEAS BANK has posted a net profit of Rs 5 bn (up 58.6% YoY). Sales on the other hand came in at Rs 43 bn (down 7.8% YoY). Read on for a complete analysis of INDIAN OVERSEAS BANK's quarterly results.

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