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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 -29.1 17.3 - View Chart
P/BV x 0.1 1.2 9.8% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PNB   SBI
EQUITY SHARE DATA
    PNB
Mar-20
SBI
Mar-20
PNB/
SBI
5-Yr Chart
Click to enlarge
High Rs100373 26.8%   
Low Rs29174 16.6%   
Income per share (Unadj.) Rs81.5302.4 27.0%  
Earnings per share (Unadj.) Rs0.722.1 2.9%  
Cash flow per share (Unadj.) Rs-3.3128.1 -2.6%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs94.8281.3 33.7%  
Shares outstanding (eoy) m6,737.578,924.59 75.5%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.80.9 87.3%   
Avg P/E ratio x98.912.3 801.0%  
Avg P/CF ratio x2.83.6 75.7%  
Avg Price/Bookvalue ratio x0.71.0 69.8%  
Dividend payout %00-   
Avg Mkt Cap Rs m433,5632,440,429 17.8%   
No. of employees `00068.8249.4 27.6%   
Total wages & salary Rs m70,600488,510 14.5%   
Avg. income/employee Rs Th7,984.510,818.0 73.8%   
Avg. wages/employee Rs Th1,026.41,958.4 52.4%   
Avg. net profit/employee Rs Th63.7792.5 8.0%   
INCOME DATA
Interest income Rs m549,1852,698,517 20.4%  
Other income Rs m93,877981,590 9.6%   
Interest expense Rs m369,9751,611,238 23.0%   
Net interest income Rs m179,2101,087,279 16.5%  
Operating expense Rs m121,5051,317,816 9.2%   
Gross profit Rs m57,705-230,537 -25.0%  
Gross profit margin %10.5-8.5 -123.0%  
Provisions/contingencies Rs m152,585470,991 32.4%   
Profit before tax Rs m10,237280,062 3.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-1,216-13,722 8.9%   
Prior Period Items Rs m029,631 0.0%   
Tax Rs m4,63798,294 4.7%   
Profit after tax Rs m4,385197,678 2.2%  
Net profit margin %0.87.3 10.9%  
BALANCE SHEET DATA
Advances Rs m4,768,53323,743,112 20.1%   
Deposits Rs m7,102,54432,741,606 21.7%  
Credit/Deposit ratio x67.172.5 92.6%  
Yield on advances %7.67.8 97.1%   
Cost of deposits %4.94.5 107.3%   
Net Interest Margin %2.22.8 78.6%  
Net fixed assets Rs m72,620400,782 18.1%   
Share capital Rs m13,4758,925 151.0%   
Free reserves Rs m625,2892,501,677 25.0%   
Net worth Rs m638,7642,510,601 25.4%   
Borrowings Rs m625,1243,329,007 18.8%   
Investments Rs m2,537,82512,282,843 20.7%   
Total assets Rs m8,514,57341,974,923 20.3%  
Debt/equity ratio x12.114.4 84.2%   
Return on assets %0.10.5 10.9%  
Return on equity %0.77.9 8.7%  
Capital adequacy ratio %14.113.1 107.7%  
Net NPAs %5.82.2 259.2%  
CASH FLOW
From Operations Rs m-113,362239,285 -47.4%  
From Investments Rs m-15,159-33,237 45.6%  
From Financial Activity Rs m135,57154,295 249.7%  
Net Cashflow Rs m7,050288,030 2.4%  

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:   SOUTH IND.BANK  INDUSIND BANK  ING VYSYA BANK  ANDHRA BANK  J&K BANK  

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



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