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- PNB - SBI
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 
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
| PNB | SBI | PNB/ SBI |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | -1.9 | 24.5 | - | View Chart |
| P/BV | x | 0.2 | 1.1 | 23.1% | View Chart |
| Dividend Yield | % | 0.0 | 0.0 | - |
Financials
 PNB  SBI |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PNB Mar-19 |
SBI Mar-19 |
PNB/ SBI |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 105 | 321 | 32.8% | |
| Low | Rs | 60 | 233 | 25.6% | |
| Income per share (Unadj.) | Rs | 113.3 | 283.8 | 39.9% | |
| Earnings per share (Unadj.) | Rs | -21.8 | 2.6 | -845.2% | |
| Cash flow per share (Unadj.) | Rs | -53.9 | 54.2 | -99.5% | |
| Dividends per share (Unadj.) | Rs | 0 | 0 | - | |
| Avg Dividend yield | % | 0 | 0 | - | |
| Book value per share (Unadj.) | Rs | 98.9 | 262.8 | 37.6% | |
| Shares outstanding (eoy) | m | 4,604.05 | 8,924.59 | 51.6% | |
| Bonus/Rights/Conversions | - | - | - | ||
| Avg Price / Income ratio | x | 0.7 | 1.0 | 74.6% | |
| Avg P/E ratio | x | -3.8 | 107.5 | -3.5% | |
| Avg P/CF ratio | x | 3.4 | 3.8 | 90.1% | |
| Avg Price/Bookvalue ratio | x | 0.8 | 1.1 | 79.1% | |
| Dividend payout | % | 0 | 0 | - | |
| Avg Mkt Cap | Rs m | 379,834 | 2,473,004 | 15.4% | |
| No. of employees | `000 | 70.8 | 257.3 | 27.5% | |
| Total wages & salary | Rs m | 70,475 | 437,950 | 16.1% | |
| Avg. income/employee | Rs Th | 7,364.4 | 9,847.2 | 74.8% | |
| Avg. wages/employee | Rs Th | 995.3 | 1,702.4 | 58.5% | |
| Avg. net profit/employee | Rs Th | -1,416.0 | 89.4 | -1,584.0% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 521,471 | 2,533,221 | 20.6% | |
| Other income | Rs m | 73,674 | 773,652 | 9.5% | |
| Interest expense | Rs m | 346,557 | 1,558,675 | 22.2% | |
| Net interest income | Rs m | 174,915 | 974,547 | 17.9% | |
| Operating expense | Rs m | 116,893 | 1,148,003 | 10.2% | |
| Gross profit | Rs m | 58,022 | -173,456 | -33.5% | |
| Gross profit margin | % | 11.1 | -6.8 | -162.5% | |
| Provisions/contingencies | Rs m | 211,381 | 628,566 | 33.6% | |
| Profit before tax | Rs m | -149,085 | -28,370 | 525.5% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -4,563 | -10,509 | 43.4% | |
| Prior Period Items | Rs m | 0 | 2,815 | 0.0% | |
| Tax | Rs m | -53,384 | -59,061 | 90.4% | |
| Profit after tax | Rs m | -100,264 | 22,996 | -436.0% | |
| Net profit margin | % | -19.2 | 0.9 | -2,118.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 4,624,162 | 22,268,537 | 20.8% | |
| Deposits | Rs m | 6,818,742 | 29,405,411 | 23.2% | |
| Credit/Deposit ratio | x | 67.8 | 75.7 | 89.5% | |
| Yield on advances | % | 7.7 | 7.5 | 102.7% | |
| Cost of deposits | % | 4.7 | 4.8 | 98.9% | |
| Net Interest Margin | % | 2.3 | 2.7 | 85.5% | |
| Net fixed assets | Rs m | 62,476 | 407,031 | 15.3% | |
| Share capital | Rs m | 9,208 | 8,925 | 103.2% | |
| Free reserves | Rs m | 445,973 | 2,336,032 | 19.1% | |
| Net worth | Rs m | 455,181 | 2,344,957 | 19.4% | |
| Borrowings | Rs m | 468,280 | 4,137,477 | 11.3% | |
| Investments | Rs m | 2,097,230 | 11,192,478 | 18.7% | |
| Total assets | Rs m | 7,892,658 | 38,884,671 | 20.3% | |
| Debt/equity ratio | x | 16.0 | 14.3 | 111.9% | |
| Return on assets | % | -1.3 | 0.1 | -2,148.0% | |
| Return on equity | % | -22.0 | 1.0 | -2,246.1% | |
| Capital adequacy ratio | % | 9.7 | 12.9 | 75.7% | |
| Net NPAs | % | 6.6 | 3.0 | 217.9% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -341,580 | 295,560 | -115.6% | |
| From Investments | Rs m | 2,248 | -8,568 | -26.2% | |
| From Financial Activity | Rs m | 137,410 | 4,476 | 3,069.7% | |
| Net Cashflow | Rs m | -201,922 | 302,232 | -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 | - |
Compare PNB With: INDUSIND BANK ICICI BANK FEDERAL BANK SOUTH IND.BANK CORPORATION BANK
Compare PNB With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
|
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