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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 -1.8 63.8 - View Chart
P/BV x 0.1 0.6 26.1% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PUNJAB & SIND BANK   BANK OF BARODA
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-18
BANK OF BARODA
Mar-19
PUNJAB & SIND BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs72157 45.9%   
Low Rs3391 36.8%   
Income per share (Unadj.) Rs140.7199.0 70.7%  
Earnings per share (Unadj.) Rs-13.24.1 -318.3%  
Cash flow per share (Unadj.) Rs-9.11.2 -773.8%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs119.4187.9 63.6%  
Shares outstanding (eoy) m564.912,659.18 21.2%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.40.6 60.2%   
Avg P/E ratio x-4.030.0 -13.4%  
Avg P/CF ratio x3.52.2 161.3%  
Avg Price/Bookvalue ratio x0.40.7 67.0%  
Dividend payout %00-   
Avg Mkt Cap Rs m29,855329,938 9.0%   
No. of employees `0009.355.8 16.7%   
Total wages & salary Rs m11,23054,341 20.7%   
Avg. income/employee Rs Th8,528.79,489.2 89.9%   
Avg. wages/employee Rs Th1,204.9974.7 123.6%   
Avg. net profit/employee Rs Th-798.1197.3 -404.5%   
INCOME DATA
Interest income Rs m79,488529,062 15.0%  
Other income Rs m5,81278,871 7.4%   
Interest expense Rs m57,136325,057 17.6%   
Net interest income Rs m22,352204,005 11.0%  
Operating expense Rs m16,717127,690 13.1%   
Gross profit Rs m5,63576,316 7.4%  
Gross profit margin %7.114.4 49.1%  
Provisions/contingencies Rs m15,906139,940 11.4%   
Profit before tax Rs m-5,94814,714 -40.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0662 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,4904,375 34.0%   
Profit after tax Rs m-7,43811,001 -67.6%  
Net profit margin %-9.42.1 -450.0%  
BALANCE SHEET DATA
Advances Rs m665,6954,842,148 13.7%   
Deposits Rs m1,017,2626,655,887 15.3%  
Credit/Deposit ratio x65.472.7 90.0%  
Yield on advances %7.97.4 106.8%   
Cost of deposits %5.34.3 123.9%   
Net Interest Margin %2.12.6 79.9%  
Net fixed assets Rs m10,82671,437 15.2%   
Share capital Rs m5,6495,304 106.5%   
Free reserves Rs m32,485494,238 6.6%   
Net worth Rs m67,476499,541 13.5%   
Borrowings Rs m36,830688,675 5.3%   
Investments Rs m329,8181,957,162 16.9%   
Total assets Rs m1,137,5928,196,719 13.9%  
Debt/equity ratio x15.614.7 106.3%   
Return on assets %-0.70.1 -487.2%  
Return on equity %-11.02.2 -500.5%  
Capital adequacy ratio %11.313.4 83.8%  
Net NPAs %6.93.3 208.1%  
CASH FLOW
From Operations Rs m10,633-14,491 -73.4%  
From Investments Rs m-514-25,374 2.0%  
From Financial Activity Rs m15,31044,485 34.4%  
Net Cashflow Rs m25,4294,621 550.3%  

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:   UNITED BANK OF INDIA  KARNATAKA BANK  INDIAN OVERSEAS BANK  YES BANK  BANK OF MAHARASHTRA  

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



Today's Market

Sensex Ends Over 300 Points Higher; Energy and Metal Stocks Witness Buying(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

PUNJAB & SIND BANK Announces Quarterly Results (4QFY19); Net Profit Up 88.8% (Quarterly Result Update)

May 29, 2019 | Updated on May 29, 2019

For the quarter ended March 2019, PUNJAB & SIND BANK has posted a net profit of Rs 586 m (up 88.8% YoY). Sales on the other hand came in at Rs 20 bn (up 2.6% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

BANK OF BARODA Announces Quarterly Results (4QFY19); Net Profit Up 68.0% (Quarterly Result Update)

May 24, 2019 | Updated on May 24, 2019

For the quarter ended March 2019, BANK OF BARODA has posted a net profit of Rs 10 bn (up 68.0% YoY). Sales on the other hand came in at Rs 133 bn (up 20.6% YoY). Read on for a complete analysis of BANK OF BARODA's quarterly results.

PUNJAB & SIND BANK Announces Quarterly Results (3QFY19); Net Profit Up 108.7% (Quarterly Result Update)

Feb 13, 2019 | Updated on Feb 13, 2019

For the quarter ended December 2018, PUNJAB & SIND BANK has posted a net profit of Rs 223 m (up 108.7% YoY). Sales on the other hand came in at Rs 22 bn (up 5.5% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

BANK OF BARODA Announces Quarterly Results (3QFY19); Net Profit Up 321.6% (Quarterly Result Update)

Jan 30, 2019 | Updated on Jan 30, 2019

For the quarter ended December 2018, BANK OF BARODA has posted a net profit of Rs 5 bn (up 321.6% YoY). Sales on the other hand came in at Rs 129 bn (up 14.5% YoY). Read on for a complete analysis of BANK OF BARODA's quarterly results.

PUNJAB & SIND BANK Announces Quarterly Results (2QFY19); Net Profit Down 897.3% (Quarterly Result Update)

Nov 21, 2018 | Updated on Nov 21, 2018

For the quarter ended September 2018, PUNJAB & SIND BANK has posted a net profit of Rs 1 bn (down 897.3% YoY). Sales on the other hand came in at Rs 22 bn (up 10.1% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

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