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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 
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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 5.7 -1.5 - View Chart
P/BV x 0.3 0.4 83.9% View Chart
Dividend Yield % 1.3 1.2 103.7%  

Financials

 PUNJAB & SIND BANK   IDBI BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-15
IDBI BANK
Mar-15
PUNJAB & SIND BANK/
IDBI BANK
5-Yr Chart
Click to enlarge
High Rs84113 74.4%   
Low Rs4460 72.9%   
Income per share (Unadj.) Rs214.5175.6 122.2%  
Earnings per share (Unadj.) Rs3.05.9 51.6%  
Cash flow per share (Unadj.) Rs21.36.0 352.4%  
Dividends per share (Unadj.) Rs0.600.75 80.0%  
Avg Dividend yield %0.90.9 108.3%  
Book value per share (Unadj.) Rs139.8152.0 92.0%  
Shares outstanding (eoy) m400.411,603.96 25.0%   
Bonus/Rights/Conversions PAESOP-  
Avg Price / Income ratio x0.30.5 60.5%   
Avg P/E ratio x21.114.7 143.1%  
Avg P/CF ratio x3.42.6 133.8%  
Avg Price/Bookvalue ratio x0.50.6 80.3%  
Dividend payout %19.812.8 155.0%   
Avg Mkt Cap Rs m25,566138,662 18.4%   
No. of employees `0009.216.6 55.5%   
Total wages & salary Rs m8,74320,112 43.5%   
Avg. income/employee Rs Th9,355.717,012.5 55.0%   
Avg. wages/employee Rs Th952.41,214.9 78.4%   
Avg. net profit/employee Rs Th132.2568.9 23.2%   
INCOME DATA
Interest income Rs m85,886281,643 30.5%  
Other income Rs m4,28841,892 10.2%   
Interest expense Rs m69,094223,872 30.9%   
Net interest income Rs m16,79257,771 29.1%  
Operating expense Rs m13,32541,046 32.5%   
Gross profit Rs m3,46716,725 20.7%  
Gross profit margin %4.05.9 68.0%  
Provisions/contingencies Rs m6,27344,905 14.0%   
Profit before tax Rs m1,48113,403 11.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0155 0.0%   
Prior Period Items Rs m00-   
Tax Rs m2684,139 6.5%   
Profit after tax Rs m1,2149,418 12.9%  
Net profit margin %1.43.3 42.3%  
BALANCE SHEET DATA
Advances Rs m638,7022,083,769 30.7%   
Deposits Rs m867,1472,595,230 33.4%  
Credit/Deposit ratio x73.780.3 91.7%  
Yield on advances %10.010.0 99.8%   
Cost of deposits %7.76.8 113.6%   
Net Interest Margin %1.81.7 105.3%  
Net fixed assets Rs m9,94830,800 32.3%   
Share capital Rs m4,00416,040 25.0%   
Free reserves Rs m31,061156,910 19.8%   
Net worth Rs m55,962243,749 23.0%   
Borrowings Rs m30,482618,330 4.9%   
Investments Rs m267,5171,206,093 22.2%   
Total assets Rs m977,5343,559,309 27.5%  
Debt/equity ratio x16.013.2 121.7%   
Return on assets %0.10.3 46.9%  
Return on equity %2.23.9 56.1%  
Capital adequacy ratio %11.211.8 95.6%  
Net NPAs %3.62.9 123.3%  
CASH FLOW
From Operations Rs m-19,816-19,906 99.5%  
From Investments Rs m-845-2,716 31.1%  
From Financial Activity Rs m-392-610 64.3%  
Net Cashflow Rs m-21,053-23,232 90.6%  

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  SYNDICATE BANK  YES BANK  ALLAHABAD BANK  

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



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