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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 5.0 -5.8 - View Chart
P/BV x 0.5 0.3 165.1% View Chart
Dividend Yield % 0.0 1.8 -  

Financials

 PNB   UNION BANK
EQUITY SHARE DATA
    PNB
Mar-17
UNION BANK
Mar-16
PNB/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs159223 71.6%   
Low Rs72104 69.2%   
Income per share (Unadj.) Rs225.8470.1 48.0%  
Earnings per share (Unadj.) Rs4.019.7 20.2%  
Cash flow per share (Unadj.) Rs-17.467.4 -25.8%  
Dividends per share (Unadj.) Rs01.95 0.0%  
Avg Dividend yield %01.2 0.0%  
Book value per share (Unadj.) Rs202.8335.3 60.5%  
Shares outstanding (eoy) m2,127.97687.44 309.5%   
Bonus/Rights/Conversions OIPI-  
Avg Price / Income ratio x0.50.3 147.5%   
Avg P/E ratio x29.08.3 350.5%  
Avg P/CF ratio x1.62.1 73.6%  
Avg Price/Bookvalue ratio x0.60.5 117.1%  
Dividend payout %09.9 0.0%   
Avg Mkt Cap Rs m246,206112,259 219.3%   
No. of employees `00073.935.5 208.4%   
Total wages & salary Rs m54,82337,681 145.5%   
Avg. income/employee Rs Th6,501.59,109.9 71.4%   
Avg. wages/employee Rs Th741.71,062.2 69.8%   
Avg. net profit/employee Rs Th114.9382.5 30.0%   
INCOME DATA
Interest income Rs m480,581323,157 148.7%  
Other income Rs m91,676393,443 23.3%   
Interest expense Rs m327,223238,940 136.9%   
Net interest income Rs m153,35884,216 182.1%  
Operating expense Rs m95,23667,159 141.8%   
Gross profit Rs m58,12217,057 340.8%  
Gross profit margin %12.15.3 229.1%  
Provisions/contingencies Rs m147,17638,682 380.5%   
Profit before tax Rs m15,40117,769 86.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-52090 -575.6%   
Prior Period Items Rs m00-   
Tax Rs m6,3904,291 148.9%   
Profit after tax Rs m8,49213,569 62.6%  
Net profit margin %1.84.2 42.1%  
BALANCE SHEET DATA
Advances Rs m4,242,3052,682,496 158.1%   
Deposits Rs m6,296,5093,441,175 183.0%  
Credit/Deposit ratio x67.478.0 86.4%  
Yield on advances %7.98.8 90.0%   
Cost of deposits %4.86.4 74.6%   
Net Interest Margin %2.22.2 100.0%  
Net fixed assets Rs m62,97839,519 159.4%   
Share capital Rs m4,2566,874 61.9%   
Free reserves Rs m305,883200,761 152.4%   
Net worth Rs m431,649230,481 187.3%   
Borrowings Rs m433,360306,366 141.5%   
Investments Rs m1,915,272905,732 211.5%   
Total assets Rs m7,333,1094,073,646 180.0%  
Debt/equity ratio x15.616.3 95.9%   
Return on assets %0.10.3 34.8%  
Return on equity %2.05.9 33.4%  
Capital adequacy ratio %12.411.1 111.2%  
Net NPAs %7.85.3 148.8%  
CASH FLOW
From Operations Rs m219,38082,741 265.1%  
From Investments Rs m1,588-8,718 -18.2%  
From Financial Activity Rs m-97,671-3,886 2,513.7%  
Net Cashflow Rs m123,29770,138 175.8%  

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:   UNITED BANK OF INDIA  DCB BANK  VIJAYA BANK  FEDERAL BANK  KARNATAKA BANK  

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



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