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Compare PNB with Karur Vysya Bank - Equitymaster
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PNB vs KARUR VYSYA 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

KARUR VYSYA BANK 
   Change

The Karur Vysya Bank Ltd. has been ranked as one of the top five banks in the private sector. The bank has a strong hold in the South with a total of 216 branches across the nation as on 31st March 2004. It is one of the oldest private sector banks o... More

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Current Valuations

    PNB KARUR VYSYA BANK PNB/
KARUR VYSYA BANK
 
P/E (TTM) x 5.4 11.1 48.7% View Chart
P/BV x 0.5 1.6 34.0% View Chart
Dividend Yield % 0.0 11.7 -  

Financials

 PNB   KARUR VYSYA BANK
EQUITY SHARE DATA
    PNB
Mar-17
KARUR VYSYA BANK
Mar-15
PNB/
KARUR VYSYA BANK
5-Yr Chart
Click to enlarge
High Rs159619 25.8%   
Low Rs72355 20.3%   
Income per share (Unadj.) Rs225.8443.7 50.9%  
Earnings per share (Unadj.) Rs4.040.6 9.8%  
Cash flow per share (Unadj.) Rs-17.491.7 -19.0%  
Dividends per share (Unadj.) Rs013.00 0.0%  
Avg Dividend yield %02.7 0.0%  
Book value per share (Unadj.) Rs202.8349.1 58.1%  
Shares outstanding (eoy) m2,127.97121.62 1,749.7%   
Bonus/Rights/Conversions OI--  
Avg Price / Income ratio x0.51.1 46.7%   
Avg P/E ratio x29.012.0 242.0%  
Avg P/CF ratio x1.66.1 26.0%  
Avg Price/Bookvalue ratio x0.61.4 40.9%  
Dividend payout %032.0 0.0%   
Avg Mkt Cap Rs m246,20659,235 415.6%   
No. of employees `00073.97.2 1,027.1%   
Total wages & salary Rs m54,8235,471 1,002.2%   
Avg. income/employee Rs Th6,501.57,497.4 86.7%   
Avg. wages/employee Rs Th741.7760.1 97.6%   
Avg. net profit/employee Rs Th114.9686.9 16.7%   
INCOME DATA
Interest income Rs m480,58153,959 890.6%  
Other income Rs m91,6765,808 1,578.3%   
Interest expense Rs m327,22339,300 832.6%   
Net interest income Rs m153,35814,659 1,046.2%  
Operating expense Rs m95,23611,035 863.1%   
Gross profit Rs m58,1223,625 1,603.5%  
Gross profit margin %12.16.7 180.0%  
Provisions/contingencies Rs m147,1764,805 3,062.9%   
Profit before tax Rs m15,4014,928 312.5%   
Extraordinary Inc (Exp) Rs m087 0.0%   
Minority Interest Rs m-5200-   
Prior Period Items Rs m00-   
Tax Rs m6,39072 8,911.7%   
Profit after tax Rs m8,4924,943 171.8%  
Net profit margin %1.89.2 19.3%  
BALANCE SHEET DATA
Advances Rs m4,242,305361,089 1,174.9%   
Deposits Rs m6,296,509446,903 1,408.9%  
Credit/Deposit ratio x67.480.8 83.4%  
Yield on advances %7.911.7 68.1%   
Cost of deposits %4.87.9 60.4%   
Net Interest Margin %2.22.8 76.4%  
Net fixed assets Rs m62,9784,112 1,531.7%   
Share capital Rs m4,2561,216 349.9%   
Free reserves Rs m305,88325,054 1,220.9%   
Net worth Rs m431,64942,460 1,016.6%   
Borrowings Rs m433,36029,008 1,494.0%   
Investments Rs m1,915,272127,730 1,499.5%   
Total assets Rs m7,333,109531,525 1,379.6%  
Debt/equity ratio x15.611.2 139.1%   
Return on assets %0.10.9 12.5%  
Return on equity %2.011.6 16.9%  
Capital adequacy ratio %12.414.6 84.7%  
Net NPAs %7.80.8 1,001.3%  
CASH FLOW
From Operations Rs m219,380-3,090 -7,100.8%  
From Investments Rs m1,588-1,023 -155.2%  
From Financial Activity Rs m-97,6714,822 -2,025.4%  
Net Cashflow Rs m123,297710 17,378.0%  

Share Holding

Indian Promoters % 58.9 3.0 1,963.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 18.7 12.4 150.8%  
FIIs % 17.2 25.1 68.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 5.3 59.4 8.9%  
Shareholders   215,441 74,641 288.6%  
Pledged promoter(s) holding % 0.0 8.7 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB With:   CORPORATION BANK  BANK OF BARODA  KOTAK MAH. BANK  CITY UNION BANK  BANK OF INDIA  

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



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