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Compare Punjab & Sind Bank with IDBI Bank - Equitymaster

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PUNJAB & SIND BANK vs IDBI BANK - Comparison Results

IDBI BANK 
   Change

After the amalgamation of IDBI with IDBI Bank and later with the beleaguered United Western Bank (UWB) in 2006, the bank has managed to integrate the additional branches and employees with itself. The bank had a franchise of over 1,200 ATMs and 720 b... More

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Current Valuations

    PUNJAB & SIND BANK IDBI BANK PUNJAB & SIND BANK/
IDBI BANK
 
P/E (TTM) x -1.7 -1.2 - View Chart
P/BV x 0.2 0.4 52.5% View Chart
Dividend Yield % 0.0 1.3 -  

Financials

 PUNJAB & SIND BANK   IDBI BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-17
IDBI BANK
Mar-15
PUNJAB & SIND BANK/
IDBI BANK
5-Yr Chart
Click to enlarge
High Rs59113 51.9%   
Low Rs3460 56.9%   
Income per share (Unadj.) Rs204.1175.6 116.2%  
Earnings per share (Unadj.) Rs5.05.9 85.5%  
Cash flow per share (Unadj.) Rs18.86.0 311.7%  
Dividends per share (Unadj.) Rs00.75 0.0%  
Avg Dividend yield %00.9 0.0%  
Book value per share (Unadj.) Rs153.4152.0 100.9%  
Shares outstanding (eoy) m400.411,603.96 25.0%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x0.20.5 46.1%   
Avg P/E ratio x9.214.7 62.7%  
Avg P/CF ratio x1.62.6 61.0%  
Avg Price/Bookvalue ratio x0.30.6 53.1%  
Dividend payout %012.8 0.0%   
Avg Mkt Cap Rs m18,559138,662 13.4%   
No. of employees `0009.416.6 56.8%   
Total wages & salary Rs m9,90120,112 49.2%   
Avg. income/employee Rs Th8,694.517,012.5 51.1%   
Avg. wages/employee Rs Th1,053.31,214.9 86.7%   
Avg. net profit/employee Rs Th213.9568.9 37.6%   
INCOME DATA
Interest income Rs m81,729281,643 29.0%  
Other income Rs m5,78141,892 13.8%   
Interest expense Rs m60,135223,872 26.9%   
Net interest income Rs m21,59357,771 37.4%  
Operating expense Rs m14,95641,046 36.4%   
Gross profit Rs m6,63816,725 39.7%  
Gross profit margin %8.15.9 136.8%  
Provisions/contingencies Rs m9,91444,905 22.1%   
Profit before tax Rs m2,50513,403 18.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0155 0.0%   
Prior Period Items Rs m00-   
Tax Rs m4944,139 11.9%   
Profit after tax Rs m2,0119,418 21.4%  
Net profit margin %2.53.3 73.6%  
BALANCE SHEET DATA
Advances Rs m583,3452,083,769 28.0%   
Deposits Rs m855,4022,595,230 33.0%  
Credit/Deposit ratio x68.280.3 84.9%  
Yield on advances %9.710.0 97.4%   
Cost of deposits %6.86.8 100.1%   
Net Interest Margin %2.41.7 141.3%  
Net fixed assets Rs m10,95430,800 35.6%   
Share capital Rs m4,00416,040 25.0%   
Free reserves Rs m32,842156,910 20.9%   
Net worth Rs m61,425243,749 25.2%   
Borrowings Rs m29,584618,330 4.8%   
Investments Rs m279,4851,206,093 23.2%   
Total assets Rs m966,4343,559,309 27.2%  
Debt/equity ratio x14.413.2 109.3%   
Return on assets %0.20.3 78.6%  
Return on equity %3.33.9 84.7%  
Capital adequacy ratio %11.111.8 94.0%  
Net NPAs %7.52.9 260.8%  
CASH FLOW
From Operations Rs m-5,089-19,906 25.6%  
From Investments Rs m-198-2,716 7.3%  
From Financial Activity Rs m2,159-610 -353.8%  
Net Cashflow Rs m-3,128-23,232 13.5%  

Share Holding

Indian Promoters % 79.6 71.7 111.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.8 13.7 78.8%  
FIIs % 1.8 3.4 52.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.8 11.2 69.6%  
Shareholders   150,895 438,231 34.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   DCB BANK  CANARA BANK  SOUTH IND.BANK  IDFC BANK LTD  UNION BANK  

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



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