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Compare PNB with South Ind.Bank - Equitymaster
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PNB vs SOUTH IND.BANK - 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

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Current Valuations

    PNB SOUTH IND.BANK PNB/
SOUTH IND.BANK
 
P/E (TTM) x 4.9 4.6 108.3% View Chart
P/BV x 0.5 1.0 49.3% View Chart
Dividend Yield % 0.0 2.3 -  

Financials

 PNB   SOUTH IND.BANK
EQUITY SHARE DATA
    PNB
Mar-17
SOUTH IND.BANK
Mar-15
PNB/
SOUTH IND.BANK
5-Yr Chart
Click to enlarge
High Rs15935 454.1%   
Low Rs7222 330.3%   
Income per share (Unadj.) Rs225.839.2 576.8%  
Earnings per share (Unadj.) Rs4.02.3 175.4%  
Cash flow per share (Unadj.) Rs-17.47.7 -227.1%  
Dividends per share (Unadj.) Rs00.60 0.0%  
Avg Dividend yield %02.1 0.0%  
Book value per share (Unadj.) Rs202.826.6 762.5%  
Shares outstanding (eoy) m2,127.971,350.15 157.6%   
Bonus/Rights/Conversions OIESOS-  
Avg Price / Income ratio x0.50.7 70.5%   
Avg P/E ratio x29.012.5 231.9%  
Avg P/CF ratio x1.65.3 29.7%  
Avg Price/Bookvalue ratio x0.61.1 53.3%  
Dividend payout %026.4 0.0%   
Avg Mkt Cap Rs m246,20638,412 641.0%   
No. of employees `00073.97.8 944.7%   
Total wages & salary Rs m54,8236,337 865.1%   
Avg. income/employee Rs Th6,501.56,755.6 96.2%   
Avg. wages/employee Rs Th741.7809.8 91.6%   
Avg. net profit/employee Rs Th114.9392.6 29.3%   
INCOME DATA
Interest income Rs m480,58152,862 909.1%  
Other income Rs m91,6764,971 1,844.3%   
Interest expense Rs m327,22339,200 834.8%   
Net interest income Rs m153,35813,662 1,122.5%  
Operating expense Rs m95,2369,813 970.5%   
Gross profit Rs m58,1223,849 1,509.9%  
Gross profit margin %12.17.3 166.1%  
Provisions/contingencies Rs m147,1764,141 3,554.6%   
Profit before tax Rs m15,4014,680 329.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-5200-   
Prior Period Items Rs m00-   
Tax Rs m6,3901,608 397.5%   
Profit after tax Rs m8,4923,072 276.4%  
Net profit margin %1.85.8 30.4%  
BALANCE SHEET DATA
Advances Rs m4,242,305373,916 1,134.6%   
Deposits Rs m6,296,509519,125 1,212.9%  
Credit/Deposit ratio x67.472.0 93.5%  
Yield on advances %7.911.1 71.5%   
Cost of deposits %4.87.1 67.9%   
Net Interest Margin %2.22.4 91.6%  
Net fixed assets Rs m62,9784,791 1,314.6%   
Share capital Rs m4,2561,350 315.2%   
Free reserves Rs m305,88323,794 1,285.5%   
Net worth Rs m431,64935,918 1,201.8%   
Borrowings Rs m433,36022,325 1,941.2%   
Investments Rs m1,915,272167,172 1,145.7%   
Total assets Rs m7,333,109591,163 1,240.5%  
Debt/equity ratio x15.615.1 103.4%   
Return on assets %0.10.5 22.3%  
Return on equity %2.08.6 23.0%  
Capital adequacy ratio %12.412.1 102.7%  
Net NPAs %7.81.0 813.5%  
CASH FLOW
From Operations Rs m219,3806,870 3,193.4%  
From Investments Rs m1,588-1,726 -92.0%  
From Financial Activity Rs m-97,671-1,372 7,117.3%  
Net Cashflow Rs m123,2973,772 3,269.2%  

Share Holding

Indian Promoters % 58.9 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 18.7 12.0 155.8%  
FIIs % 17.2 41.7 41.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 5.3 46.3 11.4%  
Shareholders   215,441 247,922 86.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB With:   DENA BANK  UNION BANK  J&K BANK  KARNATAKA BANK  ANDHRA BANK  

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



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