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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 -1.5 11.6 - View Chart
P/BV x 0.1 0.6 20.7% 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 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%   
INCOME DATA
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%  
BALANCE SHEET DATA
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%  
CASH FLOW
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:   RBL BANK LTD  KARUR VYSYA BANK  ANDHRA BANK  KOTAK MAHINDRA BANK  DCB BANK  

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



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