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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 12.3 - View Chart
P/BV x 0.4 0.5 74.3% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PNB   J&K BANK
EQUITY SHARE DATA
    PNB
Mar-17
J&K BANK
Mar-17
PNB/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs15992 173.3%   
Low Rs7255 131.9%   
Income per share (Unadj.) Rs225.81,282.5 17.6%  
Earnings per share (Unadj.) Rs4.0-313.3 -1.3%  
Cash flow per share (Unadj.) Rs-17.4-496.9 3.5%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs202.81,087.5 18.7%  
Shares outstanding (eoy) m2,127.9752.13 4,082.0%   
Bonus/Rights/Conversions OI--  
Avg Price / Income ratio x0.50.1 896.4%   
Avg P/E ratio x29.0-0.2 -12,391.0%  
Avg P/CF ratio x1.60.3 483.2%  
Avg Price/Bookvalue ratio x0.60.1 846.3%  
Dividend payout %00-   
Avg Mkt Cap Rs m246,2063,821 6,443.3%   
No. of employees `00073.90.9 7,991.2%   
Total wages & salary Rs m54,82311,225 488.4%   
Avg. income/employee Rs Th6,501.572,278.9 9.0%   
Avg. wages/employee Rs Th741.712,135.6 6.1%   
Avg. net profit/employee Rs Th114.9-17,653.9 -0.7%   
INCOME DATA
Interest income Rs m480,58166,858 718.8%  
Other income Rs m91,6764,973 1,843.6%   
Interest expense Rs m327,22341,730 784.1%   
Net interest income Rs m153,35825,128 610.3%  
Operating expense Rs m95,23617,164 554.8%   
Gross profit Rs m58,1227,964 729.8%  
Gross profit margin %12.111.9 101.5%  
Provisions/contingencies Rs m147,17628,003 525.6%   
Profit before tax Rs m15,401-15,067 -102.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-5200-   
Prior Period Items Rs m00-   
Tax Rs m6,3901,263 505.8%   
Profit after tax Rs m8,492-16,330 -52.0%  
Net profit margin %1.8-24.4 -7.2%  
BALANCE SHEET DATA
Advances Rs m4,242,305498,161 851.6%   
Deposits Rs m6,296,509724,590 869.0%  
Credit/Deposit ratio x67.468.8 98.0%  
Yield on advances %7.99.6 82.7%   
Cost of deposits %4.85.6 85.0%   
Net Interest Margin %2.23.3 66.0%  
Net fixed assets Rs m62,97815,437 408.0%   
Share capital Rs m4,256522 816.1%   
Free reserves Rs m305,88327,885 1,096.9%   
Net worth Rs m431,64956,692 761.4%   
Borrowings Rs m433,36012,761 3,396.1%   
Investments Rs m1,915,272212,709 900.4%   
Total assets Rs m7,333,109820,121 894.1%  
Debt/equity ratio x15.613.0 119.9%   
Return on assets %0.1-2.0 -5.8%  
Return on equity %2.0-28.8 -6.8%  
Capital adequacy ratio %12.410.8 114.7%  
Net NPAs %7.85.1 154.3%  
CASH FLOW
From Operations Rs m219,38024,571 892.8%  
From Investments Rs m1,588-8,614 -18.4%  
From Financial Activity Rs m-97,6715,929 -1,647.5%  
Net Cashflow Rs m123,29721,886 563.4%  

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:   VIJAYA BANK  SOUTH IND.BANK  BANK OF BARODA  CANARA BANK  AXIS BANK  

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



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