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Compare PNB with United Bank of India - Equitymaster
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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 4.9 -0.5 - View Chart
P/BV x 0.5 0.2 288.7% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PNB   UNITED BANK OF INDIA
EQUITY SHARE DATA
    PNB
Mar-17
UNITED BANK OF INDIA
Mar-16
PNB/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs15932 502.8%   
Low Rs7217 428.6%   
Income per share (Unadj.) Rs225.8118.4 190.8%  
Earnings per share (Unadj.) Rs4.0-3.4 -118.8%  
Cash flow per share (Unadj.) Rs-17.4-15.5 112.7%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs202.869.6 291.6%  
Shares outstanding (eoy) m2,127.97839.51 253.5%   
Bonus/Rights/Conversions OI--  
Avg Price / Income ratio x0.50.2 250.1%   
Avg P/E ratio x29.0-7.2 -401.6%  
Avg P/CF ratio x1.60.9 174.1%  
Avg Price/Bookvalue ratio x0.60.3 163.6%  
Dividend payout %00-   
Avg Mkt Cap Rs m246,20620,358 1,209.4%   
No. of employees `00073.915.0 493.4%   
Total wages & salary Rs m54,82310,974 499.6%   
Avg. income/employee Rs Th6,501.56,632.8 98.0%   
Avg. wages/employee Rs Th741.7732.5 101.2%   
Avg. net profit/employee Rs Th114.9-188.2 -61.0%   
INCOME DATA
Interest income Rs m480,58199,367 483.6%  
Other income Rs m91,67614,675 624.7%   
Interest expense Rs m327,22376,561 427.4%   
Net interest income Rs m153,35822,806 672.5%  
Operating expense Rs m95,23619,363 491.8%   
Gross profit Rs m58,1223,443 1,688.3%  
Gross profit margin %12.13.5 349.1%  
Provisions/contingencies Rs m147,17625,228 583.4%   
Profit before tax Rs m15,401-7,110 -216.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-5200-   
Prior Period Items Rs m00-   
Tax Rs m6,390-4,290 -148.9%   
Profit after tax Rs m8,492-2,820 -301.2%  
Net profit margin %1.8-2.8 -62.3%  
BALANCE SHEET DATA
Advances Rs m4,242,305680,602 623.3%   
Deposits Rs m6,296,5091,164,013 540.9%  
Credit/Deposit ratio x67.458.5 115.2%  
Yield on advances %7.99.7 81.6%   
Cost of deposits %4.86.2 77.6%   
Net Interest Margin %2.21.9 115.2%  
Net fixed assets Rs m62,97812,109 520.1%   
Share capital Rs m4,2568,395 50.7%   
Free reserves Rs m305,88317,690 1,729.1%   
Net worth Rs m431,64958,392 739.2%   
Borrowings Rs m433,36029,125 1,487.9%   
Investments Rs m1,915,272447,234 428.2%   
Total assets Rs m7,333,1091,294,318 566.6%  
Debt/equity ratio x15.620.4 76.3%   
Return on assets %0.1-0.2 -53.2%  
Return on equity %2.0-4.8 -40.7%  
Capital adequacy ratio %12.410.5 118.5%  
Net NPAs %7.89.0 86.4%  
CASH FLOW
From Operations Rs m219,38024,276 903.7%  
From Investments Rs m1,588-896 -177.1%  
From Financial Activity Rs m-97,671-429 22,793.6%  
Net Cashflow Rs m123,29722,951 537.2%  

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:   IDBI BANK  FEDERAL BANK  PUNJAB & SIND BANK  BANK OF BARODA  KOTAK MAH. BANK  

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



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