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Compare PNB with J&K Bank - Equitymaster

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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 -1.2 3.9 - View Chart
P/BV x 0.3 0.4 83.9% View Chart
Dividend Yield % 0.0 4.2 -  

Financials

 PNB   J&K BANK
EQUITY SHARE DATA
    PNB
Mar-17
J&K BANK
Mar-15
PNB/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs159119 134.1%   
Low Rs7295 75.8%   
Income per share (Unadj.) Rs225.81,456.5 15.5%  
Earnings per share (Unadj.) Rs4.0104.9 3.8%  
Cash flow per share (Unadj.) Rs-17.4251.8 -6.9%  
Dividends per share (Unadj.) Rs02.10 0.0%  
Avg Dividend yield %02.0 0.0%  
Book value per share (Unadj.) Rs202.81,260.0 16.1%  
Shares outstanding (eoy) m2,127.9748.48 4,389.4%   
Bonus/Rights/Conversions OI--  
Avg Price / Income ratio x0.50.1 697.7%   
Avg P/E ratio x29.01.0 2,843.4%  
Avg P/CF ratio x1.60.3 464.9%  
Avg Price/Bookvalue ratio x0.60.1 672.0%  
Dividend payout %02.0 0.0%   
Avg Mkt Cap Rs m246,2065,185 4,748.5%   
No. of employees `00073.91.0 7,699.9%   
Total wages & salary Rs m54,8238,976 610.8%   
Avg. income/employee Rs Th6,501.573,553.4 8.8%   
Avg. wages/employee Rs Th741.79,349.6 7.9%   
Avg. net profit/employee Rs Th114.95,296.7 2.2%   
INCOME DATA
Interest income Rs m480,58170,611 680.6%  
Other income Rs m91,6765,990 1,530.4%   
Interest expense Rs m327,22344,086 742.2%   
Net interest income Rs m153,35826,526 578.2%  
Operating expense Rs m95,23614,159 672.6%   
Gross profit Rs m58,12212,366 470.0%  
Gross profit margin %12.117.5 69.1%  
Provisions/contingencies Rs m147,17610,155 1,449.3%   
Profit before tax Rs m15,4018,202 187.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-5200-   
Prior Period Items Rs m00-   
Tax Rs m6,3903,117 205.0%   
Profit after tax Rs m8,4925,085 167.0%  
Net profit margin %1.87.2 24.5%  
BALANCE SHEET DATA
Advances Rs m4,242,305445,858 951.5%   
Deposits Rs m6,296,509657,362 957.8%  
Credit/Deposit ratio x67.467.8 99.3%  
Yield on advances %7.911.6 68.6%   
Cost of deposits %4.86.4 74.9%   
Net Interest Margin %2.23.6 60.0%  
Net fixed assets Rs m62,9786,896 913.3%   
Share capital Rs m4,256485 877.7%   
Free reserves Rs m305,88339,499 774.4%   
Net worth Rs m431,64961,085 706.6%   
Borrowings Rs m433,36023,396 1,852.3%   
Investments Rs m1,915,272251,043 762.9%   
Total assets Rs m7,333,109760,645 964.1%  
Debt/equity ratio x15.611.1 139.9%   
Return on assets %0.10.7 17.3%  
Return on equity %2.08.3 23.6%  
Capital adequacy ratio %12.412.6 98.6%  
Net NPAs %7.82.8 281.9%  
CASH FLOW
From Operations Rs m219,3801,181 18,582.1%  
From Investments Rs m1,588-2,609 -60.8%  
From Financial Activity Rs m-97,671-3,376 2,893.3%  
Net Cashflow Rs m123,297-4,805 -2,566.3%  

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:   CITY UNION BANK  CORPORATION BANK  IDBI BANK  INDIAN OVERSEAS BANK  ICICI BANK  

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



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