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PNB vs YES 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

YES BANK 
   Change

Yes Bank, which received its greenfield banking license in May 2004, commenced its lending operations in October 2004. The bank had 356 branches and 600 ATMs at the end of FY12. The asset mix is expected to change from C&IB (65%), Business Banking (2... More

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Current Valuations

    PNB YES BANK PNB/
YES BANK
 
P/E (TTM) x 4.9 19.2 25.7% View Chart
P/BV x 0.5 3.3 15.0% View Chart
Dividend Yield % 0.0 3.8 -  

Financials

 PNB   YES BANK
EQUITY SHARE DATA
    PNB
Mar-17
YES BANK
Mar-17
PNB/
YES BANK
5-Yr Chart
Click to enlarge
High Rs1591,558 10.2%   
Low Rs72827 8.7%   
Income per share (Unadj.) Rs225.8359.8 62.8%  
Earnings per share (Unadj.) Rs4.073.2 5.5%  
Cash flow per share (Unadj.) Rs-17.4184.6 -9.4%  
Dividends per share (Unadj.) Rs012.00 0.0%  
Avg Dividend yield %01.0 0.0%  
Book value per share (Unadj.) Rs202.8482.8 42.0%  
Shares outstanding (eoy) m2,127.97456.49 466.2%   
Bonus/Rights/Conversions OIESOP-  
Avg Price / Income ratio x0.53.3 15.5%   
Avg P/E ratio x29.016.3 177.9%  
Avg P/CF ratio x1.613.2 12.0%  
Avg Price/Bookvalue ratio x0.62.5 23.1%  
Dividend payout %016.4 0.0%   
Avg Mkt Cap Rs m246,206544,273 45.2%   
No. of employees `00073.920.1 367.3%   
Total wages & salary Rs m54,82318,402 297.9%   
Avg. income/employee Rs Th6,501.58,161.5 79.7%   
Avg. wages/employee Rs Th741.7914.4 81.1%   
Avg. net profit/employee Rs Th114.91,659.6 6.9%   
INCOME DATA
Interest income Rs m480,581164,250 292.6%  
Other income Rs m91,67642,178 217.4%   
Interest expense Rs m327,223106,265 307.9%   
Net interest income Rs m153,35857,985 264.5%  
Operating expense Rs m95,23641,686 228.5%   
Gross profit Rs m58,12216,299 356.6%  
Gross profit margin %12.19.9 121.9%  
Provisions/contingencies Rs m147,1767,938 1,854.2%   
Profit before tax Rs m15,40150,539 30.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-5200-   
Prior Period Items Rs m00-   
Tax Rs m6,39017,140 37.3%   
Profit after tax Rs m8,49233,399 25.4%  
Net profit margin %1.820.3 8.7%  
BALANCE SHEET DATA
Advances Rs m4,242,3051,322,627 320.7%   
Deposits Rs m6,296,5091,428,574 440.8%  
Credit/Deposit ratio x67.492.6 72.8%  
Yield on advances %7.99.2 86.1%   
Cost of deposits %4.85.7 83.4%   
Net Interest Margin %2.22.9 75.5%  
Net fixed assets Rs m62,9786,868 917.0%   
Share capital Rs m4,2564,565 93.2%   
Free reserves Rs m305,883177,869 172.0%   
Net worth Rs m431,649220,396 195.9%   
Borrowings Rs m433,360386,067 112.3%   
Investments Rs m1,915,272499,818 383.2%   
Total assets Rs m7,333,1092,150,597 341.0%  
Debt/equity ratio x15.68.2 189.4%   
Return on assets %0.11.6 7.5%  
Return on equity %2.015.2 13.0%  
Capital adequacy ratio %12.417.0 72.9%  
Net NPAs %7.80.8 964.2%  
CASH FLOW
From Operations Rs m219,38043,841 500.4%  
From Investments Rs m1,588-44,739 -3.5%  
From Financial Activity Rs m-97,671114,292 -85.5%  
Net Cashflow Rs m123,297113,395 108.7%  

Share Holding

Indian Promoters % 58.9 22.1 266.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 18.7 20.7 90.3%  
FIIs % 17.2 45.1 38.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 5.3 12.2 43.4%  
Shareholders   215,441 172,309 125.0%  
Pledged promoter(s) holding % 0.0 3.6 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB With:   INDUSIND BANK  ICICI BANK  SBI  SOUTH IND.BANK  BANK OF INDIA  

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



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