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Compare Punjab & Sind Bank with ICICI Bank - Equitymaster
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PUNJAB & SIND BANK vs ICICI BANK - Comparison Results

ICICI BANK 
   Change

Despite being the second largest bank in the country after SBI in terms of asset size, ICICI Bank lost its share of the banking sector's advances from 10.2% in FY07 to 8% in FY12. At the end of March 2012, the bank had assets of over Rs 4.8 trillion ... More

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Current Valuations

    PUNJAB & SIND BANK ICICI BANK PUNJAB & SIND BANK/
ICICI BANK
 
P/E (TTM) x 5.9 18.5 32.1% View Chart
P/BV x 0.4 2.0 17.8% View Chart
Dividend Yield % 1.2 1.7 70.8%  

Financials

 PUNJAB & SIND BANK   ICICI BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-15
ICICI BANK
Mar-16
PUNJAB & SIND BANK/
ICICI BANK
5-Yr Chart
Click to enlarge
High Rs84331 25.3%   
Low Rs44183 23.9%   
Income per share (Unadj.) Rs214.5102.3 209.7%  
Earnings per share (Unadj.) Rs3.017.6 17.3%  
Cash flow per share (Unadj.) Rs21.372.5 29.4%  
Dividends per share (Unadj.) Rs0.605.00 12.0%  
Avg Dividend yield %0.91.9 48.4%  
Book value per share (Unadj.) Rs139.8162.3 86.1%  
Shares outstanding (eoy) m400.415,797.24 6.9%   
Bonus/Rights/Conversions PAESOS-  
Avg Price / Income ratio x0.32.5 11.8%   
Avg P/E ratio x21.114.7 143.8%  
Avg P/CF ratio x3.46.6 51.5%  
Avg Price/Bookvalue ratio x0.51.6 28.8%  
Dividend payout %19.828.5 69.5%   
Avg Mkt Cap Rs m25,5661,491,920 1.7%   
No. of employees `0009.274.1 12.4%   
Total wages & salary Rs m8,74369,186 12.6%   
Avg. income/employee Rs Th9,355.78,002.3 116.9%   
Avg. wages/employee Rs Th952.4933.7 102.0%   
Avg. net profit/employee Rs Th132.21,373.9 9.6%   
INCOME DATA
Interest income Rs m85,886592,937 14.5%  
Other income Rs m4,288421,021 1.0%   
Interest expense Rs m69,094339,965 20.3%   
Net interest income Rs m16,792252,972 6.6%  
Operating expense Rs m13,325407,896 3.3%   
Gross profit Rs m3,467-154,923 -2.2%  
Gross profit margin %4.0-26.1 -15.4%  
Provisions/contingencies Rs m6,273123,054 5.1%   
Profit before tax Rs m1,481143,044 1.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-7,469 0.0%   
Prior Period Items Rs m00-   
Tax Rs m26833,775 0.8%   
Profit after tax Rs m1,214101,800 1.2%  
Net profit margin %1.417.2 8.2%  
BALANCE SHEET DATA
Advances Rs m638,7024,937,291 12.9%   
Deposits Rs m867,1474,510,774 19.2%  
Credit/Deposit ratio x73.7109.5 67.3%  
Yield on advances %10.08.4 118.6%   
Cost of deposits %7.74.9 158.3%   
Net Interest Margin %1.84.5 39.1%  
Net fixed assets Rs m9,94887,135 11.4%   
Share capital Rs m4,00411,632 34.4%   
Free reserves Rs m31,061560,261 5.5%   
Net worth Rs m55,962941,040 5.9%   
Borrowings Rs m30,4822,203,777 1.4%   
Investments Rs m267,5170-   
Total assets Rs m977,5349,187,562 10.6%  
Debt/equity ratio x16.07.1 224.8%   
Return on assets %0.11.1 11.2%  
Return on equity %2.210.8 20.0%  
Capital adequacy ratio %11.216.6 67.7%  
Net NPAs %3.63.0 119.1%  
CASH FLOW
From Operations Rs m-19,816236,453 -8.4%  
From Investments Rs m-845-118,193 0.7%  
From Financial Activity Rs m-39258,139 -0.7%  
Net Cashflow Rs m-21,053176,400 -11.9%  

Share Holding

Indian Promoters % 79.6 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.8 23.1 46.8%  
FIIs % 1.8 40.0 4.5%  
ADR/GDR % 0.0 29.2 -  
Free float % 7.8 7.8 100.0%  
Shareholders   150,895 585,463 25.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   ALLAHABAD BANK  VIJAYA BANK  INDUSIND BANK  KARNATAKA BANK  INDIAN OVERSEAS BANK  

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



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