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Compare Punjab & Sind Bank with Bank of Baroda - Equitymaster

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PUNJAB & SIND BANK vs BANK OF BARODA - Comparison Results

BANK OF BARODA 
   Change

Bank of Baroda (BoB) is among the top banks in the country with a 6.8% share of the total non-food disbursals at the end of FY12. After a brand and operating overhaul, the bank has seen accelerated growth, enabling it to position itself favourably am... More

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Current Valuations

    PUNJAB & SIND BANK BANK OF BARODA PUNJAB & SIND BANK/
BANK OF BARODA
 
P/E (TTM) x -1.7 -12.1 - View Chart
P/BV x 0.2 0.7 30.5% View Chart
Dividend Yield % 0.0 0.9 -  

Financials

 PUNJAB & SIND BANK   BANK OF BARODA
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-17
BANK OF BARODA
Mar-17
PUNJAB & SIND BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs59192 30.5%   
Low Rs34128 26.6%   
Income per share (Unadj.) Rs204.1191.9 106.4%  
Earnings per share (Unadj.) Rs5.07.8 64.1%  
Cash flow per share (Unadj.) Rs18.817.1 110.0%  
Dividends per share (Unadj.) Rs01.20 0.0%  
Avg Dividend yield %00.7 0.0%  
Book value per share (Unadj.) Rs153.4185.8 82.6%  
Shares outstanding (eoy) m400.412,317.83 17.3%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.20.8 27.2%   
Avg P/E ratio x9.220.4 45.2%  
Avg P/CF ratio x1.63.3 47.2%  
Avg Price/Bookvalue ratio x0.30.9 35.1%  
Dividend payout %015.3 0.0%   
Avg Mkt Cap Rs m18,559370,911 5.0%   
No. of employees `0009.452.4 17.9%   
Total wages & salary Rs m9,90148,887 20.3%   
Avg. income/employee Rs Th8,694.58,484.1 102.5%   
Avg. wages/employee Rs Th1,053.3932.6 112.9%   
Avg. net profit/employee Rs Th213.9346.2 61.8%   
INCOME DATA
Interest income Rs m81,729444,735 18.4%  
Other income Rs m5,78179,368 7.3%   
Interest expense Rs m60,135295,957 20.3%   
Net interest income Rs m21,593148,777 14.5%  
Operating expense Rs m14,956103,498 14.5%   
Gross profit Rs m6,63845,279 14.7%  
Gross profit margin %8.110.2 79.8%  
Provisions/contingencies Rs m9,91494,404 10.5%   
Profit before tax Rs m2,50531,019 8.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-400 0.0%   
Prior Period Items Rs m00-   
Tax Rs m49412,469 4.0%   
Profit after tax Rs m2,01118,150 11.1%  
Net profit margin %2.54.1 60.3%  
BALANCE SHEET DATA
Advances Rs m583,3453,922,623 14.9%   
Deposits Rs m855,4026,172,569 13.9%  
Credit/Deposit ratio x68.263.5 107.3%  
Yield on advances %9.77.3 134.1%   
Cost of deposits %6.84.5 152.0%   
Net Interest Margin %2.42.2 109.7%  
Net fixed assets Rs m10,95459,297 18.5%   
Share capital Rs m4,0044,621 86.7%   
Free reserves Rs m32,842212,918 15.4%   
Net worth Rs m61,425430,676 14.3%   
Borrowings Rs m29,584312,420 9.5%   
Investments Rs m279,4851,407,164 19.9%   
Total assets Rs m966,4347,192,205 13.4%  
Debt/equity ratio x14.415.1 95.7%   
Return on assets %0.20.3 82.4%  
Return on equity %3.34.2 77.7%  
Capital adequacy ratio %11.112.2 90.3%  
Net NPAs %7.54.7 159.1%  
CASH FLOW
From Operations Rs m-5,089178,648 -2.8%  
From Investments Rs m-198-5,506 3.6%  
From Financial Activity Rs m2,159-1,983 -108.9%  
Net Cashflow Rs m-3,128171,159 -1.8%  

Share Holding

Indian Promoters % 79.6 56.3 141.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.8 16.6 65.1%  
FIIs % 1.8 15.6 11.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.8 11.5 67.6%  
Shareholders   150,895 180,376 83.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   ORIENTAL BANK  IDFC BANK LTD  UNION BANK  IDBI BANK  KARUR VYSYA BANK  

Compare PUNJAB & SIND BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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