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Compare PNB with Punjab & Sind Bank - Equitymaster
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PNB vs PUNJAB & SIND 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

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Current Valuations

    PNB PUNJAB & SIND BANK PNB/
PUNJAB & SIND BANK
 
P/E (TTM) x 4.9 4.6 106.7% View Chart
P/BV x 0.5 0.3 177.4% View Chart
Dividend Yield % 0.0 1.5 -  

Financials

 PNB   PUNJAB & SIND BANK
EQUITY SHARE DATA
    PNB
Mar-17
PUNJAB & SIND BANK
Mar-15
PNB/
PUNJAB & SIND BANK
5-Yr Chart
Click to enlarge
High Rs15984 190.0%   
Low Rs7244 164.4%   
Income per share (Unadj.) Rs225.8214.5 105.3%  
Earnings per share (Unadj.) Rs4.03.0 131.7%  
Cash flow per share (Unadj.) Rs-17.421.3 -81.7%  
Dividends per share (Unadj.) Rs00.60 0.0%  
Avg Dividend yield %00.9 0.0%  
Book value per share (Unadj.) Rs202.8139.8 145.1%  
Shares outstanding (eoy) m2,127.97400.41 531.4%   
Bonus/Rights/Conversions OIPA-  
Avg Price / Income ratio x0.50.3 172.1%   
Avg P/E ratio x29.021.1 137.6%  
Avg P/CF ratio x1.63.4 46.3%  
Avg Price/Bookvalue ratio x0.60.5 124.9%  
Dividend payout %019.8 0.0%   
Avg Mkt Cap Rs m246,20625,566 963.0%   
No. of employees `00073.99.2 805.2%   
Total wages & salary Rs m54,8238,743 627.0%   
Avg. income/employee Rs Th6,501.59,355.7 69.5%   
Avg. wages/employee Rs Th741.7952.4 77.9%   
Avg. net profit/employee Rs Th114.9132.2 86.9%   
INCOME DATA
Interest income Rs m480,58185,886 559.6%  
Other income Rs m91,6764,288 2,138.2%   
Interest expense Rs m327,22369,094 473.6%   
Net interest income Rs m153,35816,792 913.3%  
Operating expense Rs m95,23613,325 714.7%   
Gross profit Rs m58,1223,467 1,676.4%  
Gross profit margin %12.14.0 299.6%  
Provisions/contingencies Rs m147,1766,273 2,346.1%   
Profit before tax Rs m15,4011,481 1,039.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-5200-   
Prior Period Items Rs m00-   
Tax Rs m6,390268 2,386.9%   
Profit after tax Rs m8,4921,214 699.8%  
Net profit margin %1.81.4 125.1%  
BALANCE SHEET DATA
Advances Rs m4,242,305638,702 664.2%   
Deposits Rs m6,296,509867,147 726.1%  
Credit/Deposit ratio x67.473.7 91.5%  
Yield on advances %7.910.0 79.6%   
Cost of deposits %4.87.7 62.0%   
Net Interest Margin %2.21.8 122.5%  
Net fixed assets Rs m62,9789,948 633.0%   
Share capital Rs m4,2564,004 106.3%   
Free reserves Rs m305,88331,061 984.8%   
Net worth Rs m431,64955,962 771.3%   
Borrowings Rs m433,36030,482 1,421.7%   
Investments Rs m1,915,272267,517 715.9%   
Total assets Rs m7,333,109977,534 750.2%  
Debt/equity ratio x15.616.0 97.2%   
Return on assets %0.10.1 93.3%  
Return on equity %2.02.2 90.7%  
Capital adequacy ratio %12.411.2 110.2%  
Net NPAs %7.83.6 220.0%  
CASH FLOW
From Operations Rs m219,380-19,816 -1,107.1%  
From Investments Rs m1,588-845 -187.9%  
From Financial Activity Rs m-97,671-392 24,903.3%  
Net Cashflow Rs m123,297-21,053 -585.6%  

Share Holding

Indian Promoters % 58.9 79.6 74.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 18.7 10.8 173.1%  
FIIs % 17.2 1.8 955.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 5.3 7.8 67.9%  
Shareholders   215,441 150,895 142.8%  
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  ICICI BANK  ALLAHABAD BANK  AXIS BANK  

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



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