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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 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


Current Valuations

P/E (TTM) x -1.1 335.1 - View Chart
P/BV x 0.3 1.2 24.9% View Chart
Dividend Yield % 0.0 0.0 -  


5-Yr Chart
Click to enlarge
High Rs105321 32.8%   
Low Rs60233 25.6%   
Income per share (Unadj.) Rs113.3283.8 39.9%  
Earnings per share (Unadj.) Rs-21.82.6 -845.2%  
Cash flow per share (Unadj.) Rs-53.954.2 -99.5%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs98.9262.8 37.6%  
Shares outstanding (eoy) m4,604.058,924.59 51.6%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.71.0 74.6%   
Avg P/E ratio x-3.8107.5 -3.5%  
Avg P/CF ratio x3.43.8 90.1%  
Avg Price/Bookvalue ratio x0.81.1 79.1%  
Dividend payout %00-   
Avg Mkt Cap Rs m379,8342,473,004 15.4%   
No. of employees `00070.8257.3 27.5%   
Total wages & salary Rs m70,475437,950 16.1%   
Avg. income/employee Rs Th7,364.49,847.2 74.8%   
Avg. wages/employee Rs Th995.31,702.4 58.5%   
Avg. net profit/employee Rs Th-1,416.089.4 -1,584.0%   
Interest income Rs m521,4712,533,221 20.6%  
Other income Rs m73,674773,652 9.5%   
Interest expense Rs m346,5571,558,675 22.2%   
Net interest income Rs m174,915974,547 17.9%  
Operating expense Rs m116,8931,148,003 10.2%   
Gross profit Rs m58,022-173,456 -33.5%  
Gross profit margin %11.1-6.8 -162.5%  
Provisions/contingencies Rs m211,381628,566 33.6%   
Profit before tax Rs m-149,085-28,370 525.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-4,563-10,509 43.4%   
Prior Period Items Rs m02,815 0.0%   
Tax Rs m-53,384-59,061 90.4%   
Profit after tax Rs m-100,26422,996 -436.0%  
Net profit margin %-19.20.9 -2,118.0%  
Advances Rs m4,624,16222,268,537 20.8%   
Deposits Rs m6,818,74229,405,411 23.2%  
Credit/Deposit ratio x67.875.7 89.5%  
Yield on advances %7.77.5 102.7%   
Cost of deposits %4.74.8 98.9%   
Net Interest Margin %2.32.7 85.5%  
Net fixed assets Rs m62,476407,031 15.3%   
Share capital Rs m9,2088,925 103.2%   
Free reserves Rs m445,9732,336,032 19.1%   
Net worth Rs m455,1812,344,957 19.4%   
Borrowings Rs m468,2804,137,477 11.3%   
Investments Rs m2,097,23011,192,478 18.7%   
Total assets Rs m7,892,65838,884,671 20.3%  
Debt/equity ratio x16.014.3 111.9%   
Return on assets %-1.30.1 -2,148.0%  
Return on equity %-22.01.0 -2,246.1%  
Capital adequacy ratio %9.712.9 75.7%  
Net NPAs %6.63.0 217.9%  
From Operations Rs m-341,580295,560 -115.6%  
From Investments Rs m2,248-8,568 -26.2%  
From Financial Activity Rs m137,4104,476 3,069.7%  
Net Cashflow Rs m-201,922302,232 -66.8%  

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:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  

Today's Market

Indian Indices End on a Positive Note for Third Straight Day; Yes Bank Falls 5%(Closing)

Indian share markets traded on a positive note most of the day and ended marginally higher. Sectoral indices ended on a mixed note with stocks in the IT sector.

Related Views on News

SBI at All Time High; BSE BANKEX Index Up 0.5% (Market Updates)

Jul 17, 2019 | Updated on Jul 17, 2019

SBI share price has hit an all time high at Rs 374 (up 2.4%). The BSE BANKEX Index is up by 0.5%. Among the top gainers in the BSE BANKEX Index today are SBI (up 2.4%) and HDFC BANK (up 0.2%). The top losers include ICICI BANK (down 0.1%) and AXIS BANK (down 1.4%).

PNB Announces Quarterly Results (4QFY19); Net Profit Up 64.6% (Quarterly Result Update)

May 30, 2019 | Updated on May 30, 2019

For the quarter ended March 2019, PNB has posted a net profit of Rs 47 bn (up 64.6% YoY). Sales on the other hand came in at Rs 128 bn (up 12.7% YoY). Read on for a complete analysis of PNB's quarterly results.

SBI Announces Quarterly Results (4QFY19); Net Profit Up 110.9% (Quarterly Result Update)

May 13, 2019 | Updated on May 13, 2019

For the quarter ended March 2019, SBI has posted a net profit of Rs 8 bn (up 110.9% YoY). Sales on the other hand came in at Rs 630 bn (up 12.6% YoY). Read on for a complete analysis of SBI's quarterly results.

PNB Announces Quarterly Results (3QFY19); Net Profit Down 1189.6% (Quarterly Result Update)

Feb 13, 2019 | Updated on Feb 13, 2019

For the quarter ended December 2018, PNB has posted a net profit of Rs 25 bn (down 1189.6% YoY). Sales on the other hand came in at Rs 130 bn (up 7.1% YoY). Read on for a complete analysis of PNB's quarterly results.

SBI Announces Quarterly Results (3QFY19); Net Profit Up 263.7% (Quarterly Result Update)

Feb 4, 2019 | Updated on Feb 4, 2019

For the quarter ended December 2018, SBI has posted a net profit of Rs 40 bn (up 263.7% YoY). Sales on the other hand came in at Rs 623 bn (up 13.6% YoY). Read on for a complete analysis of SBI's quarterly results.

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