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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 -0.7 20.2 - View Chart
P/BV x 0.3 1.1 28.5% View Chart
Dividend Yield % 0.0 16.8 -  

Financials

 PNB   KARUR VYSYA BANK
EQUITY SHARE DATA
    PNB
Mar-18
KARUR VYSYA BANK
Mar-16
PNB/
KARUR VYSYA BANK
5-Yr Chart
Click to enlarge
High Rs214560 38.2%   
Low Rs93394 23.7%   
Income per share (Unadj.) Rs176.5446.7 39.5%  
Earnings per share (Unadj.) Rs-45.746.5 -98.1%  
Cash flow per share (Unadj.) Rs-79.6151.0 -52.7%  
Dividends per share (Unadj.) Rs014.00 0.0%  
Avg Dividend yield %02.9 0.0%  
Book value per share (Unadj.) Rs153.9375.3 41.0%  
Shares outstanding (eoy) m2,760.57121.86 2,265.4%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.91.1 81.4%   
Avg P/E ratio x-3.410.2 -32.8%  
Avg P/CF ratio x13.46.5 205.8%  
Avg Price/Bookvalue ratio x1.01.3 78.4%  
Dividend payout %030.1 0.0%   
Avg Mkt Cap Rs m423,47158,103 728.8%   
No. of employees `00074.97.2 1,038.6%   
Total wages & salary Rs m92,4245,474 1,688.5%   
Avg. income/employee Rs Th6,505.67,548.7 86.2%   
Avg. wages/employee Rs Th1,234.0759.1 162.6%   
Avg. net profit/employee Rs Th-1,682.7786.2 -214.0%   
INCOME DATA
Interest income Rs m487,24954,434 895.1%  
Other income Rs m88,8337,068 1,256.8%   
Interest expense Rs m335,30436,620 915.6%   
Net interest income Rs m151,94517,814 853.0%  
Operating expense Rs m136,42612,528 1,089.0%   
Gross profit Rs m15,5195,286 293.6%  
Gross profit margin %3.29.7 32.8%  
Provisions/contingencies Rs m157,5773,238 4,866.7%   
Profit before tax Rs m-198,4629,109 -2,178.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-1880-   
Prior Period Items Rs m00-   
Tax Rs m-72,6183,440 -2,111.0%   
Profit after tax Rs m-126,0315,669 -2,223.1%  
Net profit margin %-25.910.4 -248.4%  
BALANCE SHEET DATA
Advances Rs m4,387,980390,844 1,122.7%   
Deposits Rs m6,484,390500,789 1,294.8%  
Credit/Deposit ratio x67.778.0 86.7%  
Yield on advances %7.411.1 67.0%   
Cost of deposits %4.76.9 68.8%   
Net Interest Margin %2.03.2 63.3%  
Net fixed assets Rs m63,7434,201 1,517.3%   
Share capital Rs m5,5211,219 453.0%   
Free reserves Rs m268,28426,513 1,011.9%   
Net worth Rs m424,85145,730 929.1%   
Borrowings Rs m653,29715,732 4,152.6%   
Investments Rs m2,059,102132,217 1,557.4%   
Total assets Rs m7,789,949576,637 1,350.9%  
Debt/equity ratio x16.811.3 148.7%   
Return on assets %-1.61.0 -164.6%  
Return on equity %-29.712.4 -239.3%  
Capital adequacy ratio %9.212.2 75.6%  
Net NPAs %11.20.6 2,043.6%  
CASH FLOW
From Operations Rs m-1,4024,799 -29.2%  
From Investments Rs m-11,032-917 1,203.7%  
From Financial Activity Rs m73,524-3,457 -2,126.8%  
Net Cashflow Rs m61,091425 14,370.9%  

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:   SBI  ORIENTAL BANK  KARNATAKA BANK  BANK OF BARODA  KOTAK MAH. BANK  

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



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