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PNB vs UNITED BANK OF INDIA - 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 UNITED BANK OF INDIA PNB/
UNITED BANK OF INDIA
 
P/E (TTM) x -22.7 0.7 - View Chart
P/BV x 0.1 0.0 464.8% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PNB   UNITED BANK OF INDIA
EQUITY SHARE DATA
    PNB
Mar-19
UNITED BANK OF INDIA
Mar-19
PNB/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs10515 710.8%   
Low Rs609 657.1%   
Income per share (Unadj.) Rs113.311.5 982.9%  
Earnings per share (Unadj.) Rs-21.8-3.1 698.5%  
Cash flow per share (Unadj.) Rs-53.9-10.3 525.0%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs98.915.5 638.6%  
Shares outstanding (eoy) m4,604.057,427.92 62.0%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.71.0 70.2%   
Avg P/E ratio x-3.8-3.8 98.8%  
Avg P/CF ratio x3.42.4 141.6%  
Avg Price/Bookvalue ratio x0.80.8 108.1%  
Dividend payout %00-   
Avg Mkt Cap Rs m379,83488,764 427.9%   
No. of employees `00070.814.3 495.3%   
Total wages & salary Rs m70,47519,545 360.6%   
Avg. income/employee Rs Th7,364.45,987.6 123.0%   
Avg. wages/employee Rs Th995.31,367.2 72.8%   
Avg. net profit/employee Rs Th-1,416.0-1,620.0 87.4%   
INCOME DATA
Interest income Rs m521,47185,599 609.2%  
Other income Rs m73,67423,846 309.0%   
Interest expense Rs m346,55765,853 526.3%   
Net interest income Rs m174,91519,746 885.8%  
Operating expense Rs m116,89329,476 396.6%   
Gross profit Rs m58,022-9,730 -596.3%  
Gross profit margin %11.1-11.4 -97.9%  
Provisions/contingencies Rs m211,38159,925 352.7%   
Profit before tax Rs m-149,085-45,809 325.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-4,5630-   
Prior Period Items Rs m00-   
Tax Rs m-53,384-22,650 235.7%   
Profit after tax Rs m-100,264-23,159 432.9%  
Net profit margin %-19.2-27.1 71.1%  
BALANCE SHEET DATA
Advances Rs m4,624,162669,551 690.6%   
Deposits Rs m6,818,7421,349,833 505.2%  
Credit/Deposit ratio x67.849.6 136.7%  
Yield on advances %7.77.6 101.3%   
Cost of deposits %4.74.7 101.2%   
Net Interest Margin %2.31.4 162.6%  
Net fixed assets Rs m62,47612,401 503.8%   
Share capital Rs m9,20874,279 12.4%   
Free reserves Rs m445,97340,710 1,095.5%   
Net worth Rs m455,181114,989 395.8%   
Borrowings Rs m468,28022,037 2,125.0%   
Investments Rs m2,097,230609,760 343.9%   
Total assets Rs m7,892,6581,515,299 520.9%  
Debt/equity ratio x16.011.9 134.2%   
Return on assets %-1.3-1.5 83.1%  
Return on equity %-22.0-20.1 109.4%  
Capital adequacy ratio %9.713.0 74.8%  
Net NPAs %6.68.7 75.7%  
CASH FLOW
From Operations Rs m-341,580-150,737 226.6%  
From Investments Rs m2,248-732 -307.0%  
From Financial Activity Rs m137,41045,761 300.3%  
Net Cashflow Rs m-201,922-105,708 191.0%  

Share Holding

Indian Promoters % 58.9 88.0 66.9%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 18.7 5.2 359.6%  
FIIs % 17.2 0.3 5,733.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 5.3 6.5 81.5%  
Shareholders   215,441 78,272 275.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB With:   ANDHRA BANK  SYNDICATE BANK  ICICI BANK  BANK OF MAHARASHTRA  SOUTH IND.BANK  

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



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