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PNB vs J&K 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

J&K BANK 
   Change

Jammu and Kashmir Bank Ltd (J&K) is the first state owned bank of the country and 53% of equity is held by the government of J&K. The bank has a network of 475 branches spread over the country. During the year, the bank recorded an over 23% growth in... More

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Current Valuations

    PNB J&K BANK PNB/
J&K BANK
 
P/E (TTM) x -0.7 7.8 - View Chart
P/BV x 0.3 0.3 94.1% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PNB   J&K BANK
EQUITY SHARE DATA
    PNB
Mar-18
J&K BANK
Mar-17
PNB/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs21492 232.2%   
Low Rs9355 170.7%   
Income per share (Unadj.) Rs176.51,282.5 13.8%  
Earnings per share (Unadj.) Rs-45.7-313.3 14.6%  
Cash flow per share (Unadj.) Rs-79.6-496.9 16.0%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs153.91,087.5 14.2%  
Shares outstanding (eoy) m2,760.5752.13 5,295.5%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.90.1 1,520.7%   
Avg P/E ratio x-3.4-0.2 1,435.9%  
Avg P/CF ratio x13.40.3 4,100.8%  
Avg Price/Bookvalue ratio x1.00.1 1,478.8%  
Dividend payout %00-   
Avg Mkt Cap Rs m423,4713,821 11,082.4%   
No. of employees `00074.90.9 8,097.0%   
Total wages & salary Rs m92,42411,225 823.3%   
Avg. income/employee Rs Th6,505.672,278.9 9.0%   
Avg. wages/employee Rs Th1,234.012,135.6 10.2%   
Avg. net profit/employee Rs Th-1,682.7-17,653.9 9.5%   
INCOME DATA
Interest income Rs m487,24966,858 728.8%  
Other income Rs m88,8334,973 1,786.4%   
Interest expense Rs m335,30441,730 803.5%   
Net interest income Rs m151,94525,128 604.7%  
Operating expense Rs m136,42617,164 794.8%   
Gross profit Rs m15,5197,964 194.9%  
Gross profit margin %3.211.9 26.7%  
Provisions/contingencies Rs m157,57728,003 562.7%   
Profit before tax Rs m-198,462-15,067 1,317.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-1880-   
Prior Period Items Rs m00-   
Tax Rs m-72,6181,263 -5,748.7%   
Profit after tax Rs m-126,031-16,330 771.8%  
Net profit margin %-25.9-24.4 105.9%  
BALANCE SHEET DATA
Advances Rs m4,387,980498,161 880.8%   
Deposits Rs m6,484,390724,590 894.9%  
Credit/Deposit ratio x67.768.8 98.4%  
Yield on advances %7.49.6 77.2%   
Cost of deposits %4.75.6 83.8%   
Net Interest Margin %2.03.3 62.3%  
Net fixed assets Rs m63,74315,437 412.9%   
Share capital Rs m5,521522 1,058.7%   
Free reserves Rs m268,28427,885 962.1%   
Net worth Rs m424,85156,692 749.4%   
Borrowings Rs m653,29712,761 5,119.7%   
Investments Rs m2,059,102212,709 968.0%   
Total assets Rs m7,789,949820,121 949.9%  
Debt/equity ratio x16.813.0 129.2%   
Return on assets %-1.6-2.0 81.3%  
Return on equity %-29.7-28.8 103.0%  
Capital adequacy ratio %9.210.8 85.2%  
Net NPAs %11.25.1 222.1%  
CASH FLOW
From Operations Rs m-1,40224,571 -5.7%  
From Investments Rs m-11,032-8,614 128.1%  
From Financial Activity Rs m73,5245,929 1,240.2%  
Net Cashflow Rs m61,09121,886 279.1%  

Share Holding

Indian Promoters % 58.9 53.2 110.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 18.7 4.3 434.9%  
FIIs % 17.2 29.3 58.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 5.3 13.3 39.8%  
Shareholders   215,441 56,111 384.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB With:   INDIAN OVERSEAS BANK  AXIS BANK  BANK OF BARODA  ALLAHABAD BANK  CITY UNION BANK  

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



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