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PNB vs SBI - 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

SBI 
   Change

SBI is India's largest bank in the country with an asset size of over Rs 13 trillion. Although the bank's loan book is largely skewed towards corporate (large, mid and small) loans (50% of total advances in FY12), the retail side is also fast catchin... More

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Current Valuations

    PNB SBI PNB/
SBI
 
P/E (TTM) x 5.0 24.0 21.0% View Chart
P/BV x 0.5 1.0 51.5% View Chart
Dividend Yield % 0.0 1.0 -  

Financials

 PNB   SBI
EQUITY SHARE DATA
    PNB
Mar-17
SBI
Mar-17
PNB/
SBI
5-Yr Chart
Click to enlarge
High Rs159294 54.2%   
Low Rs72167 43.2%   
Income per share (Unadj.) Rs225.8289.0 78.1%  
Earnings per share (Unadj.) Rs4.00.3 1,319.1%  
Cash flow per share (Unadj.) Rs-17.434.6 -50.4%  
Dividends per share (Unadj.) Rs02.60 0.0%  
Avg Dividend yield %01.1 0.0%  
Book value per share (Unadj.) Rs202.8272.4 74.5%  
Shares outstanding (eoy) m2,127.977,974.33 26.7%   
Bonus/Rights/Conversions OIOI-  
Avg Price / Income ratio x0.50.8 64.2%   
Avg P/E ratio x29.0761.8 3.8%  
Avg P/CF ratio x1.63.0 53.0%  
Avg Price/Bookvalue ratio x0.60.8 67.4%  
Dividend payout %0859.5 0.0%   
Avg Mkt Cap Rs m246,2061,837,684 13.4%   
No. of employees `00073.9209.6 35.3%   
Total wages & salary Rs m54,823356,912 15.4%   
Avg. income/employee Rs Th6,501.510,996.4 59.1%   
Avg. wages/employee Rs Th741.71,703.1 43.5%   
Avg. net profit/employee Rs Th114.911.5 998.0%   
INCOME DATA
Interest income Rs m480,5812,304,475 20.9%  
Other income Rs m91,676681,930 13.4%   
Interest expense Rs m327,2231,491,147 21.9%   
Net interest income Rs m153,358813,328 18.9%  
Operating expense Rs m95,236872,901 10.9%   
Gross profit Rs m58,122-59,573 -97.6%  
Gross profit margin %12.1-2.6 -467.8%  
Provisions/contingencies Rs m147,176612,909 24.0%   
Profit before tax Rs m15,4019,448 163.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-5203,386 -15.4%   
Prior Period Items Rs m02,933 0.0%   
Tax Rs m6,39013,355 47.8%   
Profit after tax Rs m8,4922,412 352.0%  
Net profit margin %1.80.1 1,687.9%  
BALANCE SHEET DATA
Advances Rs m4,242,30518,968,868 22.4%   
Deposits Rs m6,296,50925,998,107 24.2%  
Credit/Deposit ratio x67.473.0 92.3%  
Yield on advances %7.98.3 96.1%   
Cost of deposits %4.85.3 89.7%   
Net Interest Margin %2.22.5 85.3%  
Net fixed assets Rs m62,978509,407 12.4%   
Share capital Rs m4,2567,974 53.4%   
Free reserves Rs m305,8832,163,948 14.1%   
Net worth Rs m431,6492,171,922 19.9%   
Borrowings Rs m433,3603,363,657 12.9%   
Investments Rs m1,915,27210,272,809 18.6%   
Total assets Rs m7,333,10934,451,216 21.3%  
Debt/equity ratio x15.613.5 115.3%   
Return on assets %0.10 1,653.7%  
Return on equity %2.00.1 1,771.2%  
Capital adequacy ratio %12.413.6 91.4%  
Net NPAs %7.83.7 210.5%  
CASH FLOW
From Operations Rs m219,380774,060 28.3%  
From Investments Rs m1,588-28,321 -5.6%  
From Financial Activity Rs m-97,671-41,965 232.7%  
Net Cashflow Rs m123,297703,774 17.5%  

Share Holding

Indian Promoters % 58.9 58.6 100.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 18.7 20.9 89.5%  
FIIs % 17.2 9.7 177.3%  
ADR/GDR % 0.0 2.1 -  
Free float % 5.3 8.7 60.9%  
Shareholders   215,441 855,889 25.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB With:   FEDERAL BANK  ORIENTAL BANK  BANK OF MAHARASHTRA  BANK OF BARODA  YES BANK  

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



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