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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 -1.3 -0.4 - View Chart
P/BV x 0.1 0.1 194.5% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PNB   UNION BANK
EQUITY SHARE DATA
    PNB
Mar-19
UNION BANK
Mar-19
PNB/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs105106 99.4%   
Low Rs6061 97.4%   
Income per share (Unadj.) Rs113.3194.6 58.2%  
Earnings per share (Unadj.) Rs-21.8-16.6 131.4%  
Cash flow per share (Unadj.) Rs-53.9-42.9 125.7%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs98.9151.6 65.2%  
Shares outstanding (eoy) m4,604.051,763.02 261.1%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.70.4 169.6%   
Avg P/E ratio x-3.8-5.0 75.1%  
Avg P/CF ratio x3.41.7 199.3%  
Avg Price/Bookvalue ratio x0.80.6 151.3%  
Dividend payout %00-   
Avg Mkt Cap Rs m379,834147,388 257.7%   
No. of employees `00070.837.3 190.0%   
Total wages & salary Rs m70,47532,372 217.7%   
Avg. income/employee Rs Th7,364.49,208.8 80.0%   
Avg. wages/employee Rs Th995.3868.8 114.6%   
Avg. net profit/employee Rs Th-1,416.0-784.3 180.5%   
INCOME DATA
Interest income Rs m521,471343,137 152.0%  
Other income Rs m73,67450,417 146.1%   
Interest expense Rs m346,557238,961 145.0%   
Net interest income Rs m174,915104,176 167.9%  
Operating expense Rs m116,89378,562 148.8%   
Gross profit Rs m58,02225,614 226.5%  
Gross profit margin %11.17.5 149.1%  
Provisions/contingencies Rs m211,381115,157 183.6%   
Profit before tax Rs m-149,085-39,016 382.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-4,5630-   
Prior Period Items Rs m00-   
Tax Rs m-53,384-9,792 545.2%   
Profit after tax Rs m-100,264-29,224 343.1%  
Net profit margin %-19.2-8.5 225.8%  
BALANCE SHEET DATA
Advances Rs m4,624,1622,987,801 154.8%   
Deposits Rs m6,818,7424,175,048 163.3%  
Credit/Deposit ratio x67.871.6 94.8%  
Yield on advances %7.78.0 95.9%   
Cost of deposits %4.75.3 89.5%   
Net Interest Margin %2.32.2 105.4%  
Net fixed assets Rs m62,47637,745 165.5%   
Share capital Rs m9,20817,630 52.2%   
Free reserves Rs m445,973249,686 178.6%   
Net worth Rs m455,181267,317 170.3%   
Borrowings Rs m468,280432,756 108.2%   
Investments Rs m2,097,2301,283,912 163.3%   
Total assets Rs m7,892,6584,985,805 158.3%  
Debt/equity ratio x16.017.2 92.9%   
Return on assets %-1.3-0.6 216.7%  
Return on equity %-22.0-10.9 201.5%  
Capital adequacy ratio %9.711.8 82.6%  
Net NPAs %6.66.9 95.8%  
CASH FLOW
From Operations Rs m-341,580-77,784 439.1%  
From Investments Rs m2,248-2,971 -75.7%  
From Financial Activity Rs m137,41017,582 781.5%  
Net Cashflow Rs m-201,922-63,173 319.6%  

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:   DHANLAXMI BANK  BANK OF INDIA  KOTAK MAHINDRA BANK  SOUTH IND.BANK  BANK OF BARODA  

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



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