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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 -1.8 76.9 - View Chart
P/BV x 0.2 2.3 7.7% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 PUNJAB & SIND BANK   ICICI BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-19
ICICI BANK
Mar-19
PUNJAB & SIND BANK/
ICICI BANK
5-Yr Chart
Click to enlarge
High Rs40400 10.1%   
Low Rs24259 9.3%   
Income per share (Unadj.) Rs151.5112.0 135.3%  
Earnings per share (Unadj.) Rs-9.66.6 -145.4%  
Cash flow per share (Unadj.) Rs-30.473.4 -41.5%  
Dividends per share (Unadj.) Rs01.00 0.0%  
Avg Dividend yield %00.3 0.0%  
Book value per share (Unadj.) Rs97.9177.7 55.1%  
Shares outstanding (eoy) m564.916,427.99 8.8%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.22.9 7.2%   
Avg P/E ratio x-3.349.8 -6.7%  
Avg P/CF ratio x0.98.1 11.0%  
Avg Price/Bookvalue ratio x0.31.9 17.7%  
Dividend payout %015.1 0.0%   
Avg Mkt Cap Rs m18,1622,118,987 0.9%   
No. of employees `0008.986.8 10.3%   
Total wages & salary Rs m11,75894,253 12.5%   
Avg. income/employee Rs Th9,564.98,296.4 115.3%   
Avg. wages/employee Rs Th1,314.01,086.3 121.0%   
Avg. net profit/employee Rs Th-607.4490.3 -123.9%   
INCOME DATA
Interest income Rs m85,587719,817 11.9%  
Other income Rs m4,886593,248 0.8%   
Interest expense Rs m62,790391,775 16.0%   
Net interest income Rs m22,797328,041 6.9%  
Operating expense Rs m17,111642,589 2.7%   
Gross profit Rs m5,686-314,548 -1.8%  
Gross profit margin %6.6-43.7 -15.2%  
Provisions/contingencies Rs m25,709217,669 11.8%   
Profit before tax Rs m-8,58861,032 -14.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-14,349 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-3,1534,140 -76.2%   
Profit after tax Rs m-5,43542,542 -12.8%  
Net profit margin %-6.35.9 -107.4%  
BALANCE SHEET DATA
Advances Rs m691,7556,469,617 10.7%   
Deposits Rs m985,5766,813,169 14.5%  
Credit/Deposit ratio x70.295.0 73.9%  
Yield on advances %8.77.9 110.8%   
Cost of deposits %6.14.0 153.4%   
Net Interest Margin %2.22.9 77.2%  
Net fixed assets Rs m12,30496,604 12.7%   
Share capital Rs m5,64912,895 43.8%   
Free reserves Rs m25,9761,129,593 2.3%   
Net worth Rs m55,3181,142,487 4.8%   
Borrowings Rs m27,1402,103,241 1.3%   
Investments Rs m261,7293,982,008 6.6%   
Total assets Rs m1,089,82112,387,939 8.8%  
Debt/equity ratio x18.37.8 234.6%   
Return on assets %-0.50.3 -145.2%  
Return on equity %-9.83.7 -263.8%  
Capital adequacy ratio %10.916.9 64.7%  
Net NPAs %7.22.3 315.3%  
CASH FLOW
From Operations Rs m-973486,711 -0.2%  
From Investments Rs m-611-301,472 0.2%  
From Financial Activity Rs m-3,561-199,974 1.8%  
Net Cashflow Rs m-5,145-16,082 32.0%  

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)  



Today's Market

Sensex Opens in Green; HDFC Bank and Yes Bank Top Gainers(09:30 am)

Asian share markets are higher today as Chinese and Hong Kong shares show gains. The Shanghai Composite is up 1.2% while the Hang Seng is up 1%.

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.

ICICI BANK Announces Quarterly Results (4QFY19); Net Profit Down 5.0% (Quarterly Result Update)

May 8, 2019 | Updated on May 8, 2019

For the quarter ended March 2019, ICICI BANK has posted a net profit of Rs 10 bn (down 5.0% YoY). Sales on the other hand came in at Rs 173 bn (up 21.2% YoY). Read on for a complete analysis of ICICI BANK'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.

ICICI BANK Announces Quarterly Results (3QFY19); Net Profit Down 2.7% (Quarterly Result Update)

Jan 31, 2019 | Updated on Jan 31, 2019

For the quarter ended December 2018, ICICI BANK has posted a net profit of Rs 16 bn (down 2.7% YoY). Sales on the other hand came in at Rs 163 bn (up 19.1% YoY). Read on for a complete analysis of ICICI BANK'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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