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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 -19.9 21.7 - View Chart
P/BV x 0.7 1.2 53.9% View Chart
Dividend Yield % 0.0 0.9 -  

Financials

 PNB   SBI
EQUITY SHARE DATA
    PNB
Mar-16
SBI
Mar-16
PNB/
SBI
5-Yr Chart
Click to enlarge
High Rs167305 54.7%   
Low Rs71148 48.1%   
Income per share (Unadj.) Rs258.7285.8 90.5%  
Earnings per share (Unadj.) Rs-19.615.7 -124.3%  
Cash flow per share (Unadj.) Rs-60.568.8 -87.9%  
Dividends per share (Unadj.) Rs02.60 0.0%  
Avg Dividend yield %01.1 0.0%  
Book value per share (Unadj.) Rs212.9232.6 91.5%  
Shares outstanding (eoy) m1,963.607,763.60 25.3%   
Bonus/Rights/Conversions PI--  
Avg Price / Income ratio x0.50.8 58.0%   
Avg P/E ratio x-6.114.4 -42.3%  
Avg P/CF ratio x1.83.5 51.6%  
Avg Price/Bookvalue ratio x0.61.0 57.4%  
Dividend payout %016.5 0.0%   
Avg Mkt Cap Rs m233,8651,759,620 13.3%   
No. of employees `00070.8207.7 34.1%   
Total wages & salary Rs m65,645325,256 20.2%   
Avg. income/employee Rs Th7,175.610,679.5 67.2%   
Avg. wages/employee Rs Th927.21,565.7 59.2%   
Avg. net profit/employee Rs Th-542.8588.5 -92.2%   
INCOME DATA
Interest income Rs m508,0392,218,548 22.9%  
Other income Rs m69,766510,162 13.7%   
Interest expense Rs m343,3061,430,474 24.0%   
Net interest income Rs m164,733788,075 20.9%  
Operating expense Rs m103,499737,171 14.0%   
Gross profit Rs m61,23450,904 120.3%  
Gross profit margin %12.12.3 525.3%  
Provisions/contingencies Rs m167,633379,298 44.2%   
Profit before tax Rs m-52,931181,768 -29.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-1,797-7,945 22.6%   
Prior Period Items Rs m02,758 0.0%   
Tax Rs m-16,29954,335 -30.0%   
Profit after tax Rs m-38,430122,246 -31.4%  
Net profit margin %-7.65.5 -137.3%  
BALANCE SHEET DATA
Advances Rs m4,460,83018,702,609 23.9%   
Deposits Rs m5,703,82622,538,576 25.3%  
Credit/Deposit ratio x78.283.0 94.2%  
Yield on advances %8.48.4 99.6%   
Cost of deposits %5.45.9 91.3%   
Net Interest Margin %2.42.8 84.4%  
Net fixed assets Rs m53,081152,557 34.8%   
Share capital Rs m3,9277,763 50.6%   
Free reserves Rs m295,3101,063,251 27.8%   
Net worth Rs m418,0431,805,924 23.1%   
Borrowings Rs m816,7372,582,144 31.6%   
Investments Rs m1,651,2657,051,891 23.4%   
Total assets Rs m7,127,93029,708,976 24.0%  
Debt/equity ratio x15.613.9 112.1%   
Return on assets %-0.50.4 -131.0%  
Return on equity %-9.26.8 -135.8%  
Capital adequacy ratio %13.713.9 98.0%  
Net NPAs %8.63.8 226.0%  
CASH FLOW
From Operations Rs m141,670140,767 100.6%  
From Investments Rs m-13,515-36,686 36.8%  
From Financial Activity Rs m59,74743,485 137.4%  
Net Cashflow Rs m187,902147,566 127.3%  

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:   J&K BANK  CORPORATION BANK  IDBI BANK  SYNDICATE BANK  DHANLAXMI BANK  

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



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Aug 17, 2017 (Close)

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