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Compare Punjab & Sind Bank with Karur Vysya Bank - Equitymaster
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PUNJAB & SIND BANK vs KARUR VYSYA BANK - Comparison Results

KARUR VYSYA BANK 
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The Karur Vysya Bank Ltd. has been ranked as one of the top five banks in the private sector. The bank has a strong hold in the South with a total of 216 branches across the nation as on 31st March 2004. It is one of the oldest private sector banks o... More

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Current Valuations

    PUNJAB & SIND BANK KARUR VYSYA BANK PUNJAB & SIND BANK/
KARUR VYSYA BANK
 
P/E (TTM) x 4.5 11.1 40.8% View Chart
P/BV x 0.3 1.6 17.1% View Chart
Dividend Yield % 1.6 11.7 13.4%  

Financials

 PUNJAB & SIND BANK   KARUR VYSYA BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-15
KARUR VYSYA BANK
Mar-15
PUNJAB & SIND BANK/
KARUR VYSYA BANK
5-Yr Chart
Click to enlarge
High Rs84619 13.6%   
Low Rs44355 12.3%   
Income per share (Unadj.) Rs214.5443.7 48.3%  
Earnings per share (Unadj.) Rs3.040.6 7.5%  
Cash flow per share (Unadj.) Rs21.391.7 23.2%  
Dividends per share (Unadj.) Rs0.6013.00 4.6%  
Avg Dividend yield %0.92.7 35.2%  
Book value per share (Unadj.) Rs139.8349.1 40.0%  
Shares outstanding (eoy) m400.41121.62 329.2%   
Bonus/Rights/Conversions PA--  
Avg Price / Income ratio x0.31.1 27.1%   
Avg P/E ratio x21.112.0 175.8%  
Avg P/CF ratio x3.46.1 56.2%  
Avg Price/Bookvalue ratio x0.51.4 32.7%  
Dividend payout %19.832.0 61.9%   
Avg Mkt Cap Rs m25,56659,235 43.2%   
No. of employees `0009.27.2 127.6%   
Total wages & salary Rs m8,7435,471 159.8%   
Avg. income/employee Rs Th9,355.77,497.4 124.8%   
Avg. wages/employee Rs Th952.4760.1 125.3%   
Avg. net profit/employee Rs Th132.2686.9 19.2%   
INCOME DATA
Interest income Rs m85,88653,959 159.2%  
Other income Rs m4,2885,808 73.8%   
Interest expense Rs m69,09439,300 175.8%   
Net interest income Rs m16,79214,659 114.6%  
Operating expense Rs m13,32511,035 120.8%   
Gross profit Rs m3,4673,625 95.7%  
Gross profit margin %4.06.7 60.1%  
Provisions/contingencies Rs m6,2734,805 130.6%   
Profit before tax Rs m1,4814,928 30.1%   
Extraordinary Inc (Exp) Rs m087 0.0%   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m26872 373.4%   
Profit after tax Rs m1,2144,943 24.5%  
Net profit margin %1.49.2 15.4%  
BALANCE SHEET DATA
Advances Rs m638,702361,089 176.9%   
Deposits Rs m867,147446,903 194.0%  
Credit/Deposit ratio x73.780.8 91.2%  
Yield on advances %10.011.7 85.6%   
Cost of deposits %7.77.9 97.5%   
Net Interest Margin %1.82.8 62.4%  
Net fixed assets Rs m9,9484,112 242.0%   
Share capital Rs m4,0041,216 329.2%   
Free reserves Rs m31,06125,054 124.0%   
Net worth Rs m55,96242,460 131.8%   
Borrowings Rs m30,48229,008 105.1%   
Investments Rs m267,517127,730 209.4%   
Total assets Rs m977,534531,525 183.9%  
Debt/equity ratio x16.011.2 143.1%   
Return on assets %0.10.9 13.3%  
Return on equity %2.211.6 18.6%  
Capital adequacy ratio %11.214.6 76.9%  
Net NPAs %3.60.8 455.1%  
CASH FLOW
From Operations Rs m-19,816-3,090 641.4%  
From Investments Rs m-845-1,023 82.6%  
From Financial Activity Rs m-3924,822 -8.1%  
Net Cashflow Rs m-21,053710 -2,967.3%  

Share Holding

Indian Promoters % 79.6 3.0 2,653.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.8 12.4 87.1%  
FIIs % 1.8 25.1 7.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.8 59.4 13.1%  
Shareholders   150,895 74,641 202.2%  
Pledged promoter(s) holding % 0.0 8.7 -  
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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