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This is an entirely free service. No payments are to be made.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
PNB | SBI | PNB/ SBI |
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P/E (TTM) | x | -0.6 | -26.5 | - | View Chart |
P/BV | x | 0.3 | 0.9 | 34.5% | View Chart |
Dividend Yield | % | 0.0 | 0.0 | - |
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EQUITY SHARE DATA | |||||
---|---|---|---|---|---|
PNB Mar-18 |
SBI Mar-18 |
PNB/ SBI |
5-Yr Chart Click to enlarge
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High | Rs | 214 | 337 | 63.3% | |
Low | Rs | 93 | 235 | 39.7% | |
Income per share (Unadj.) | Rs | 176.5 | 256.6 | 68.8% | |
Earnings per share (Unadj.) | Rs | -45.7 | -5.1 | 894.2% | |
Cash flow per share (Unadj.) | Rs | -79.6 | 11.4 | -697.2% | |
Dividends per share (Unadj.) | Rs | 0 | 0 | - | |
Avg Dividend yield | % | 0 | 0 | - | |
Book value per share (Unadj.) | Rs | 153.9 | 258.1 | 59.6% | |
Shares outstanding (eoy) | m | 2,760.57 | 8,924.59 | 30.9% | |
Bonus/Rights/Conversions | - | OI | - | ||
Avg Price / Income ratio | x | 0.9 | 1.1 | 78.0% | |
Avg P/E ratio | x | -3.4 | -56.0 | 6.0% | |
Avg P/CF ratio | x | 13.4 | 3.6 | 368.8% | |
Avg Price/Bookvalue ratio | x | 1.0 | 1.1 | 89.9% | |
Dividend payout | % | 0 | 0 | - | |
Avg Mkt Cap | Rs m | 423,471 | 2,552,433 | 16.6% | |
No. of employees | `000 | 74.9 | 264.0 | 28.4% | |
Total wages & salary | Rs m | 92,424 | 354,106 | 26.1% | |
Avg. income/employee | Rs Th | 6,505.6 | 8,671.8 | 75.0% | |
Avg. wages/employee | Rs Th | 1,234.0 | 1,341.1 | 92.0% | |
Avg. net profit/employee | Rs Th | -1,682.7 | -172.6 | 975.2% |
INCOME DATA | |||||
---|---|---|---|---|---|
Interest income | Rs m | 487,249 | 2,289,703 | 21.3% | |
Other income | Rs m | 88,833 | 775,572 | 11.5% | |
Interest expense | Rs m | 335,304 | 1,466,030 | 22.9% | |
Net interest income | Rs m | 151,945 | 823,673 | 18.4% | |
Operating expense | Rs m | 136,426 | 961,544 | 14.2% | |
Gross profit | Rs m | 15,519 | -137,871 | -11.3% | |
Gross profit margin | % | 3.2 | -6.0 | -52.9% | |
Provisions/contingencies | Rs m | 157,577 | 746,816 | 21.1% | |
Profit before tax | Rs m | -198,462 | -109,114 | 181.9% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | -188 | -8,070 | 2.3% | |
Prior Period Items | Rs m | 0 | 4,382 | 0.0% | |
Tax | Rs m | -72,618 | -67,240 | 108.0% | |
Profit after tax | Rs m | -126,031 | -45,563 | 276.6% | |
Net profit margin | % | -25.9 | -2.0 | 1,299.9% |
BALANCE SHEET DATA | |||||
---|---|---|---|---|---|
Advances | Rs m | 4,387,980 | 19,601,185 | 22.4% | |
Deposits | Rs m | 6,484,390 | 27,221,783 | 23.8% | |
Credit/Deposit ratio | x | 67.7 | 72.0 | 94.0% | |
Yield on advances | % | 7.4 | 7.4 | 100.3% | |
Cost of deposits | % | 4.7 | 5.0 | 94.3% | |
Net Interest Margin | % | 2.0 | 2.5 | 83.0% | |
Net fixed assets | Rs m | 63,743 | 412,258 | 15.5% | |
Share capital | Rs m | 5,521 | 8,925 | 61.9% | |
Free reserves | Rs m | 268,284 | 2,294,295 | 11.7% | |
Net worth | Rs m | 424,851 | 2,303,220 | 18.4% | |
Borrowings | Rs m | 653,297 | 3,690,793 | 17.7% | |
Investments | Rs m | 2,059,102 | 11,837,942 | 17.4% | |
Total assets | Rs m | 7,789,949 | 36,164,330 | 21.5% | |
Debt/equity ratio | x | 16.8 | 13.4 | 125.2% | |
Return on assets | % | -1.6 | -0.1 | 1,284.1% | |
Return on equity | % | -29.7 | -2.0 | 1,499.6% | |
Capital adequacy ratio | % | 9.2 | 12.7 | 72.2% | |
Net NPAs | % | 11.2 | 5.7 | 196.2% |
CASH FLOW | |||||
---|---|---|---|---|---|
From Operations | Rs m | -1,402 | -965,079 | 0.1% | |
From Investments | Rs m | -11,032 | 110,658 | -10.0% | |
From Financial Activity | Rs m | 73,524 | 55,472 | 132.5% | |
Net Cashflow | Rs m | 61,091 | -779,081 | -7.8% |
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 | - |
Compare PNB With: ALLAHABAD BANK INDIAN OVERSEAS BANK DHANLAXMI BANK PUNJAB & SIND BANK SYNDICATE BANK
Compare PNB With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
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On Tuesday, share markets in India witnessed selling pressure during closing hours and ended their trading session marginally lower after a volatile day of trading.
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.
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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