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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 -1.1 -0.3 - View Chart
P/BV x 0.3 0.1 553.9% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PNB   UNITED BANK OF INDIA
EQUITY SHARE DATA
    PNB
Mar-18
UNITED BANK OF INDIA
Mar-19
PNB/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs21415 1,443.2%   
Low Rs939 1,024.2%   
Income per share (Unadj.) Rs176.511.5 1,531.6%  
Earnings per share (Unadj.) Rs-45.7-3.1 1,464.3%  
Cash flow per share (Unadj.) Rs-79.6-10.3 775.6%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs153.915.5 994.1%  
Shares outstanding (eoy) m2,760.577,427.92 37.2%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.91.0 83.8%   
Avg P/E ratio x-3.4-3.8 87.7%  
Avg P/CF ratio x13.42.4 556.0%  
Avg Price/Bookvalue ratio x1.00.8 129.1%  
Dividend payout %00-   
Avg Mkt Cap Rs m423,47188,764 477.1%   
No. of employees `00074.914.3 523.9%   
Total wages & salary Rs m92,42419,545 472.9%   
Avg. income/employee Rs Th6,505.65,987.6 108.7%   
Avg. wages/employee Rs Th1,234.01,367.2 90.3%   
Avg. net profit/employee Rs Th-1,682.7-1,620.0 103.9%   
INCOME DATA
Interest income Rs m487,24985,599 569.2%  
Other income Rs m88,83323,846 372.5%   
Interest expense Rs m335,30465,853 509.2%   
Net interest income Rs m151,94519,746 769.5%  
Operating expense Rs m136,42629,476 462.8%   
Gross profit Rs m15,519-9,730 -159.5%  
Gross profit margin %3.2-11.4 -28.0%  
Provisions/contingencies Rs m157,57759,925 263.0%   
Profit before tax Rs m-198,462-45,809 433.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-1880-   
Prior Period Items Rs m00-   
Tax Rs m-72,618-22,650 320.6%   
Profit after tax Rs m-126,031-23,159 544.2%  
Net profit margin %-25.9-27.1 95.6%  
BALANCE SHEET DATA
Advances Rs m4,387,980669,551 655.4%   
Deposits Rs m6,484,3901,349,833 480.4%  
Credit/Deposit ratio x67.749.6 136.4%  
Yield on advances %7.47.6 98.1%   
Cost of deposits %4.74.7 100.7%   
Net Interest Margin %2.01.4 142.7%  
Net fixed assets Rs m63,74312,401 514.0%   
Share capital Rs m5,52174,279 7.4%   
Free reserves Rs m268,28440,710 659.0%   
Net worth Rs m424,851114,989 369.5%   
Borrowings Rs m653,29722,037 2,964.5%   
Investments Rs m2,059,102609,760 337.7%   
Total assets Rs m7,789,9491,515,299 514.1%  
Debt/equity ratio x16.811.9 140.8%   
Return on assets %-1.6-1.5 105.9%  
Return on equity %-29.7-20.1 147.3%  
Capital adequacy ratio %9.213.0 70.8%  
Net NPAs %11.28.7 129.6%  
CASH FLOW
From Operations Rs m-1,402-150,737 0.9%  
From Investments Rs m-11,032-732 1,506.4%  
From Financial Activity Rs m73,52445,761 160.7%  
Net Cashflow Rs m61,091-105,708 -57.8%  

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:   CANARA BANK  VIJAYA BANK  INDUSIND BANK  KARNATAKA BANK  INDIAN OVERSEAS BANK  

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



Today's Market

Indian Indices End on a Strong Note; Sensex Ends 489 Points Higher(Closing)

After opening the day marginally lower, Indian share markets witnessed most of the buying interest during closing hours and ended their trading session on a strong note.

Related Views on News

PNB Announces Quarterly Results (4QFY19); Net Profit Up 64.6% (Quarterly Result Update)

May 30, 2019 | Updated on May 30, 2019

For the quarter ended March 2019, PNB has posted a net profit of Rs 47 bn (up 64.6% YoY). Sales on the other hand came in at Rs 128 bn (up 12.7% YoY). Read on for a complete analysis of PNB's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (4QFY19); Net Profit Up 136.5% (Quarterly Result Update)

May 16, 2019 | Updated on May 16, 2019

For the quarter ended March 2019, UNITED BANK OF INDIA has posted a net profit of Rs 952 m (up 136.5% YoY). Sales on the other hand came in at Rs 22 bn (up 1.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

PNB Announces Quarterly Results (3QFY19); Net Profit Down 1189.6% (Quarterly Result Update)

Feb 13, 2019 | Updated on Feb 13, 2019

For the quarter ended December 2018, PNB has posted a net profit of Rs 25 bn (down 1189.6% YoY). Sales on the other hand came in at Rs 130 bn (up 7.1% YoY). Read on for a complete analysis of PNB's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (3QFY19); Net Profit Down 78.7% (Quarterly Result Update)

Feb 13, 2019 | Updated on Feb 13, 2019

For the quarter ended December 2018, UNITED BANK OF INDIA has posted a net profit of Rs 11 bn (down 78.7% YoY). Sales on the other hand came in at Rs 21 bn (up 3.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (2QFY19); Net Profit Down 156.1% (Quarterly Result Update)

Nov 21, 2018 | Updated on Nov 21, 2018

For the quarter ended September 2018, UNITED BANK OF INDIA has posted a net profit of Rs 9 bn (down 156.1% YoY). Sales on the other hand came in at Rs 21 bn (up 2.3% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

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