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Compare PNB with Kotak Bank - Equitymaster
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PNB vs KOTAK MAH. 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

KOTAK MAH. BANK 
   Change

A flagship company of the well-known financial conglomerate Kotak Mahindra Group, Kotak Mahindra Bank was the first banking entity in the country created by conversion of a financial institution in 2003. The bank had 105 branches across 69 locations ... More

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Current Valuations

    PNB KOTAK MAH. BANK PNB/
KOTAK MAH. BANK
 
P/E (TTM) x -19.3 34.6 - View Chart
P/BV x 0.6 4.7 13.4% View Chart
Dividend Yield % 0.0 0.1 -  

Financials

 PNB   KOTAK MAH. BANK
EQUITY SHARE DATA
    PNB
Mar-16
KOTAK MAH. BANK
Mar-17
PNB/
KOTAK MAH. BANK
5-Yr Chart
Click to enlarge
High Rs167885 18.9%   
Low Rs71656 10.9%   
Income per share (Unadj.) Rs258.7121.3 213.4%  
Earnings per share (Unadj.) Rs-19.626.8 -72.9%  
Cash flow per share (Unadj.) Rs-60.5112.0 -54.0%  
Dividends per share (Unadj.) Rs00.60 0.0%  
Avg Dividend yield %00.1 0.0%  
Book value per share (Unadj.) Rs212.9209.1 101.8%  
Shares outstanding (eoy) m1,963.601,840.90 106.7%   
Bonus/Rights/Conversions PIB-  
Avg Price / Income ratio x0.56.4 7.2%   
Avg P/E ratio x-6.128.7 -21.2%  
Avg P/CF ratio x1.824.1 7.5%  
Avg Price/Bookvalue ratio x0.63.7 15.2%  
Dividend payout %02.2 0.0%   
Avg Mkt Cap Rs m233,8651,418,782 16.5%   
No. of employees `00070.844.0 160.9%   
Total wages & salary Rs m65,64539,823 164.8%   
Avg. income/employee Rs Th7,175.65,073.7 141.4%   
Avg. wages/employee Rs Th927.2905.1 102.4%   
Avg. net profit/employee Rs Th-542.81,122.8 -48.3%   
INCOME DATA
Interest income Rs m508,039223,242 227.6%  
Other income Rs m69,766116,596 59.8%   
Interest expense Rs m343,306114,576 299.6%   
Net interest income Rs m164,733108,667 151.6%  
Operating expense Rs m103,499142,454 72.7%   
Gross profit Rs m61,234-33,788 -181.2%  
Gross profit margin %12.1-15.1 -79.6%  
Provisions/contingencies Rs m167,6339,489 1,766.6%   
Profit before tax Rs m-52,93173,319 -72.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-1,797-788 227.9%   
Prior Period Items Rs m0702 0.0%   
Tax Rs m-16,29923,829 -68.4%   
Profit after tax Rs m-38,43049,404 -77.8%  
Net profit margin %-7.622.1 -34.2%  
BALANCE SHEET DATA
Advances Rs m4,460,8301,671 266,907.8%   
Deposits Rs m5,703,8261,555 366,711.2%  
Credit/Deposit ratio x78.2107.5 72.8%  
Yield on advances %8.49,944.3 0.1%   
Cost of deposits %5.45,183.7 0.1%   
Net Interest Margin %2.411.5 20.8%  
Net fixed assets Rs m53,08117,552 302.4%   
Share capital Rs m3,9279,205 42.7%   
Free reserves Rs m295,310312,282 94.6%   
Net worth Rs m418,043384,908 108.6%   
Borrowings Rs m816,737496,899 164.4%   
Investments Rs m1,651,265684,615 241.2%   
Total assets Rs m7,127,9302,761,876 258.1%  
Debt/equity ratio x15.61.3 1,204.5%   
Return on assets %-0.51.8 -30.1%  
Return on equity %-9.212.8 -71.6%  
Capital adequacy ratio %13.716.8 81.3%  
Net NPAs %8.61.3 662.3%  
CASH FLOW
From Operations Rs m141,670132,020 107.3%  
From Investments Rs m-13,515-52,681 25.7%  
From Financial Activity Rs m59,74760,553 98.7%  
Net Cashflow Rs m187,902139,891 134.3%  

Share Holding

Indian Promoters % 58.9 43.6 135.1%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 18.7 1.9 984.2%  
FIIs % 17.2 31.7 54.3%  
ADR/GDR % 0.0 0.2 -  
Free float % 5.3 22.7 23.3%  
Shareholders   215,441 64,886 332.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB With:   CORPORATION BANK  BANK OF BARODA  FEDERAL BANK  AXIS BANK  BANK OF INDIA  

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



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Aug 18, 2017 (Close)

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