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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 -1.1 40.1 - View Chart
P/BV x 0.4 4.6 7.8% View Chart
Dividend Yield % 0.0 0.1 -  

Financials

 PNB   KOTAK MAH. BANK
EQUITY SHARE DATA
    PNB
Mar-17
KOTAK MAH. BANK
Mar-18
PNB/
KOTAK MAH. BANK
5-Yr Chart
Click to enlarge
High Rs1591,133 14.1%   
Low Rs72868 8.3%   
Income per share (Unadj.) Rs225.8131.9 171.3%  
Earnings per share (Unadj.) Rs4.032.5 12.3%  
Cash flow per share (Unadj.) Rs-17.4127.8 -13.6%  
Dividends per share (Unadj.) Rs00.70 0.0%  
Avg Dividend yield %00.1 0.0%  
Book value per share (Unadj.) Rs202.8264.9 76.6%  
Shares outstanding (eoy) m2,127.971,905.65 111.7%   
Bonus/Rights/Conversions OI--  
Avg Price / Income ratio x0.57.6 6.8%   
Avg P/E ratio x29.030.7 94.3%  
Avg P/CF ratio x1.626.4 6.0%  
Avg Price/Bookvalue ratio x0.63.8 15.1%  
Dividend payout %02.2 0.0%   
Avg Mkt Cap Rs m246,2061,905,936 12.9%   
No. of employees `00073.935.7 207.0%   
Total wages & salary Rs m54,82343,809 125.1%   
Avg. income/employee Rs Th6,501.57,036.2 92.4%   
Avg. wages/employee Rs Th741.71,226.6 60.5%   
Avg. net profit/employee Rs Th114.91,736.1 6.6%   
INCOME DATA
Interest income Rs m480,581251,311 191.2%  
Other income Rs m91,676136,822 67.0%   
Interest expense Rs m327,223124,669 262.5%   
Net interest income Rs m153,358126,642 121.1%  
Operating expense Rs m95,236161,635 58.9%   
Gross profit Rs m58,122-34,993 -166.1%  
Gross profit margin %12.1-13.9 -86.9%  
Provisions/contingencies Rs m147,17610,247 1,436.2%   
Profit before tax Rs m15,40191,582 16.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-520-567 91.7%   
Prior Period Items Rs m01,105 0.0%   
Tax Rs m6,39030,111 21.2%   
Profit after tax Rs m8,49262,010 13.7%  
Net profit margin %1.824.7 7.2%  
BALANCE SHEET DATA
Advances Rs m4,242,3052,059,973 205.9%   
Deposits Rs m6,296,5091,912,358 329.3%  
Credit/Deposit ratio x67.4107.7 62.5%  
Yield on advances %7.98.9 89.0%   
Cost of deposits %4.84.6 103.4%   
Net Interest Margin %2.23.9 55.0%  
Net fixed assets Rs m62,97817,498 359.9%   
Share capital Rs m4,2569,528 44.7%   
Free reserves Rs m305,883419,105 73.0%   
Net worth Rs m431,649504,861 85.5%   
Borrowings Rs m433,360586,040 73.9%   
Investments Rs m1,915,272909,766 210.5%   
Total assets Rs m7,333,1093,377,205 217.1%  
Debt/equity ratio x15.64.9 315.1%   
Return on assets %0.11.8 6.3%  
Return on equity %2.012.3 16.0%  
Capital adequacy ratio %12.418.2 68.1%  
Net NPAs %7.81.0 781.0%  
CASH FLOW
From Operations Rs m219,380-103,924 -211.1%  
From Investments Rs m1,588-56,083 -2.8%  
From Financial Activity Rs m-97,671146,794 -66.5%  
Net Cashflow Rs m123,297-11,879 -1,037.9%  

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:   HDFC BANK  FEDERAL BANK  DCB BANK  BANK OF INDIA  SBI  

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



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PNB Announces Quarterly Results (1QFY19); Net Profit Down 373.7% (Quarterly Result Update)

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For the quarter ended June 2018, PNB has posted a net profit of Rs 9 bn (down 373.7% YoY). Sales on the other hand came in at Rs 131 bn (up 8.0% YoY). Read on for a complete analysis of PNB's quarterly results.

KOTAK MAH. BANK Announces Quarterly Results (1QFY19); Net Profit Up 14.7% (Quarterly Result Update)

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