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Compare PNB with Union Bank - Equitymaster
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PNB vs UNION 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

UNION BANK 
   Change

Union Bank of India (UBI) is the ninth-largest bank in India by assets with a market share of more than 3% in loans and deposits. It is one of the best mid-sized public sector banks in the country. UBI's diversified geographic presence has helped it ... More

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Current Valuations

    PNB UNION BANK PNB/
UNION BANK
 
P/E (TTM) x -19.3 15.5 - View Chart
P/BV x 0.6 0.4 173.3% View Chart
Dividend Yield % 0.0 1.5 -  

Financials

 PNB   UNION BANK
EQUITY SHARE DATA
    PNB
Mar-16
UNION BANK
Mar-16
PNB/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs167223 75.0%   
Low Rs71104 68.5%   
Income per share (Unadj.) Rs258.7470.1 55.0%  
Earnings per share (Unadj.) Rs-19.619.7 -99.2%  
Cash flow per share (Unadj.) Rs-60.567.4 -89.8%  
Dividends per share (Unadj.) Rs01.95 0.0%  
Avg Dividend yield %01.2 0.0%  
Book value per share (Unadj.) Rs212.9335.3 63.5%  
Shares outstanding (eoy) m1,963.60687.44 285.6%   
Bonus/Rights/Conversions PIPI-  
Avg Price / Income ratio x0.50.3 132.5%   
Avg P/E ratio x-6.18.3 -73.6%  
Avg P/CF ratio x1.82.1 84.2%  
Avg Price/Bookvalue ratio x0.60.5 114.9%  
Dividend payout %09.9 0.0%   
Avg Mkt Cap Rs m233,865112,259 208.3%   
No. of employees `00070.835.5 199.6%   
Total wages & salary Rs m65,64537,681 174.2%   
Avg. income/employee Rs Th7,175.69,109.9 78.8%   
Avg. wages/employee Rs Th927.21,062.2 87.3%   
Avg. net profit/employee Rs Th-542.8382.5 -141.9%   
INCOME DATA
Interest income Rs m508,039323,157 157.2%  
Other income Rs m69,766393,443 17.7%   
Interest expense Rs m343,306238,940 143.7%   
Net interest income Rs m164,73384,216 195.6%  
Operating expense Rs m103,49967,159 154.1%   
Gross profit Rs m61,23417,057 359.0%  
Gross profit margin %12.15.3 228.4%  
Provisions/contingencies Rs m167,63338,682 433.4%   
Profit before tax Rs m-52,93117,769 -297.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-1,79790 -1,989.9%   
Prior Period Items Rs m00-   
Tax Rs m-16,2994,291 -379.8%   
Profit after tax Rs m-38,43013,569 -283.2%  
Net profit margin %-7.64.2 -180.2%  
BALANCE SHEET DATA
Advances Rs m4,460,8302,682,496 166.3%   
Deposits Rs m5,703,8263,441,175 165.8%  
Credit/Deposit ratio x78.278.0 100.3%  
Yield on advances %8.48.8 94.7%   
Cost of deposits %5.46.4 83.6%   
Net Interest Margin %2.42.2 110.4%  
Net fixed assets Rs m53,08139,519 134.3%   
Share capital Rs m3,9276,874 57.1%   
Free reserves Rs m295,310200,761 147.1%   
Net worth Rs m418,043230,481 181.4%   
Borrowings Rs m816,737306,366 266.6%   
Investments Rs m1,651,265905,732 182.3%   
Total assets Rs m7,127,9304,073,646 175.0%  
Debt/equity ratio x15.616.3 95.9%   
Return on assets %-0.50.3 -161.9%  
Return on equity %-9.25.9 -156.2%  
Capital adequacy ratio %13.711.1 122.6%  
Net NPAs %8.65.3 164.0%  
CASH FLOW
From Operations Rs m141,67082,741 171.2%  
From Investments Rs m-13,515-8,718 155.0%  
From Financial Activity Rs m59,747-3,886 -1,537.7%  
Net Cashflow Rs m187,90270,138 267.9%  

Share Holding

Indian Promoters % 58.9 60.1 98.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 18.7 16.6 112.7%  
FIIs % 17.2 8.5 202.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 5.3 14.8 35.8%  
Shareholders   215,441 235,817 91.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB With:   VIJAYA BANK  SOUTH IND.BANK  ICICI BANK  BANK OF MAHARASHTRA  AXIS BANK  

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



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Aug 18, 2017 (Close)

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