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| PUNJAB & SIND BANK | KARUR VYSYA BANK | PUNJAB & SIND BANK/ KARUR VYSYA BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.8 | 14.3 | 40.8% | View Chart |
| P/BV | x | 0.3 | 2.0 | 17.1% | View Chart |
| Dividend Yield | % | 1.2 | 9.1 | 13.4% |
 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 | Rs | 84 | 619 | 13.6% | |
| Low | Rs | 44 | 355 | 12.3% | |
| Income per share (Unadj.) | Rs | 214.5 | 443.7 | 48.3% | |
| Earnings per share (Unadj.) | Rs | 3.0 | 40.6 | 7.5% | |
| Cash flow per share (Unadj.) | Rs | 21.3 | 91.7 | 23.2% | |
| Dividends per share (Unadj.) | Rs | 0.60 | 13.00 | 4.6% | |
| Avg Dividend yield | % | 0.9 | 2.7 | 35.2% | |
| Book value per share (Unadj.) | Rs | 139.8 | 349.1 | 40.0% | |
| Shares outstanding (eoy) | m | 400.41 | 121.62 | 329.2% | |
| Bonus/Rights/Conversions | PA | - | - | ||
| Avg Price / Income ratio | x | 0.3 | 1.1 | 27.1% | |
| Avg P/E ratio | x | 21.1 | 12.0 | 175.8% | |
| Avg P/CF ratio | x | 3.4 | 6.1 | 56.2% | |
| Avg Price/Bookvalue ratio | x | 0.5 | 1.4 | 32.7% | |
| Dividend payout | % | 19.8 | 32.0 | 61.9% | |
| Avg Mkt Cap | Rs m | 25,566 | 59,235 | 43.2% | |
| No. of employees | `000 | 9.2 | 7.2 | 127.6% | |
| Total wages & salary | Rs m | 8,743 | 5,471 | 159.8% | |
| Avg. income/employee | Rs Th | 9,355.7 | 7,497.4 | 124.8% | |
| Avg. wages/employee | Rs Th | 952.4 | 760.1 | 125.3% | |
| Avg. net profit/employee | Rs Th | 132.2 | 686.9 | 19.2% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 85,886 | 53,959 | 159.2% | |
| Other income | Rs m | 4,288 | 5,808 | 73.8% | |
| Interest expense | Rs m | 69,094 | 39,300 | 175.8% | |
| Net interest income | Rs m | 16,792 | 14,659 | 114.6% | |
| Operating expense | Rs m | 13,325 | 11,035 | 120.8% | |
| Gross profit | Rs m | 3,467 | 3,625 | 95.7% | |
| Gross profit margin | % | 4.0 | 6.7 | 60.1% | |
| Provisions/contingencies | Rs m | 6,273 | 4,805 | 130.6% | |
| Profit before tax | Rs m | 1,481 | 4,928 | 30.1% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 87 | 0.0% | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 268 | 72 | 373.4% | |
| Profit after tax | Rs m | 1,214 | 4,943 | 24.5% | |
| Net profit margin | % | 1.4 | 9.2 | 15.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 638,702 | 361,089 | 176.9% | |
| Deposits | Rs m | 867,147 | 446,903 | 194.0% | |
| Credit/Deposit ratio | x | 73.7 | 80.8 | 91.2% | |
| Yield on advances | % | 10.0 | 11.7 | 85.6% | |
| Cost of deposits | % | 7.7 | 7.9 | 97.5% | |
| Net Interest Margin | % | 1.8 | 2.8 | 62.4% | |
| Net fixed assets | Rs m | 9,948 | 4,112 | 242.0% | |
| Share capital | Rs m | 4,004 | 1,216 | 329.2% | |
| Free reserves | Rs m | 31,061 | 25,054 | 124.0% | |
| Net worth | Rs m | 55,962 | 42,460 | 131.8% | |
| Borrowings | Rs m | 30,482 | 29,008 | 105.1% | |
| Investments | Rs m | 267,517 | 127,730 | 209.4% | |
| Total assets | Rs m | 977,534 | 531,525 | 183.9% | |
| Debt/equity ratio | x | 16.0 | 11.2 | 143.1% | |
| Return on assets | % | 0.1 | 0.9 | 13.3% | |
| Return on equity | % | 2.2 | 11.6 | 18.6% | |
| Capital adequacy ratio | % | 11.2 | 14.6 | 76.9% | |
| Net NPAs | % | 3.6 | 0.8 | 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 | -392 | 4,822 | -8.1% | |
| Net Cashflow | Rs m | -21,053 | 710 | -2,967.3% | |
| 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 | - |
Compare PUNJAB & SIND BANK With: ORIENTAL BANK DCB BANK ANDHRA BANK SBI KARNATAKA BANK
Compare PUNJAB & SIND BANK With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
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