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Compare PNB with SBI - Equitymaster

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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 -0.6 -26.5 - View Chart
P/BV x 0.3 0.9 34.5% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PNB   SBI
EQUITY SHARE DATA
    PNB
Mar-18
SBI
Mar-18
PNB/
SBI
5-Yr Chart
Click to enlarge
High Rs214337 63.3%   
Low Rs93235 39.7%   
Income per share (Unadj.) Rs176.5256.6 68.8%  
Earnings per share (Unadj.) Rs-45.7-5.1 894.2%  
Cash flow per share (Unadj.) Rs-79.611.4 -697.2%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs153.9258.1 59.6%  
Shares outstanding (eoy) m2,760.578,924.59 30.9%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.91.1 78.0%   
Avg P/E ratio x-3.4-56.0 6.0%  
Avg P/CF ratio x13.43.6 368.8%  
Avg Price/Bookvalue ratio x1.01.1 89.9%  
Dividend payout %00-   
Avg Mkt Cap Rs m423,4712,552,433 16.6%   
No. of employees `00074.9264.0 28.4%   
Total wages & salary Rs m92,424354,106 26.1%   
Avg. income/employee Rs Th6,505.68,671.8 75.0%   
Avg. wages/employee Rs Th1,234.01,341.1 92.0%   
Avg. net profit/employee Rs Th-1,682.7-172.6 975.2%   
INCOME DATA
Interest income Rs m487,2492,289,703 21.3%  
Other income Rs m88,833775,572 11.5%   
Interest expense Rs m335,3041,466,030 22.9%   
Net interest income Rs m151,945823,673 18.4%  
Operating expense Rs m136,426961,544 14.2%   
Gross profit Rs m15,519-137,871 -11.3%  
Gross profit margin %3.2-6.0 -52.9%  
Provisions/contingencies Rs m157,577746,816 21.1%   
Profit before tax Rs m-198,462-109,114 181.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-188-8,070 2.3%   
Prior Period Items Rs m04,382 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 m4,387,98019,601,185 22.4%   
Deposits Rs m6,484,39027,221,783 23.8%  
Credit/Deposit ratio x67.772.0 94.0%  
Yield on advances %7.47.4 100.3%   
Cost of deposits %4.75.0 94.3%   
Net Interest Margin %2.02.5 83.0%  
Net fixed assets Rs m63,743412,258 15.5%   
Share capital Rs m5,5218,925 61.9%   
Free reserves Rs m268,2842,294,295 11.7%   
Net worth Rs m424,8512,303,220 18.4%   
Borrowings Rs m653,2973,690,793 17.7%   
Investments Rs m2,059,10211,837,942 17.4%   
Total assets Rs m7,789,94936,164,330 21.5%  
Debt/equity ratio x16.813.4 125.2%   
Return on assets %-1.6-0.1 1,284.1%  
Return on equity %-29.7-2.0 1,499.6%  
Capital adequacy ratio %9.212.7 72.2%  
Net NPAs %11.25.7 196.2%  
CASH FLOW
From Operations Rs m-1,402-965,079 0.1%  
From Investments Rs m-11,032110,658 -10.0%  
From Financial Activity Rs m73,52455,472 132.5%  
Net Cashflow Rs m61,091-779,081 -7.8%  

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:   CORPORATION BANK  BANK OF BARODA  ORIENTAL BANK  AXIS BANK  BANK OF INDIA  

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



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