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Compare Punjab & Sind Bank with Kotak Bank - Equitymaster

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PUNJAB & SIND BANK vs KOTAK MAH. BANK - Comparison Results

KOTAK MAH. BANK 
   Change

A flagship company of the well-known financial conglomerate Kotak Mahindra Group, Kotak Mahindra Bank was the first banking entity in the country created by conversion of a financial institution in 2003. The bank had 105 branches across 69 locations ... More

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Current Valuations

    PUNJAB & SIND BANK KOTAK MAH. BANK PUNJAB & SIND BANK/
KOTAK MAH. BANK
 
P/E (TTM) x -1.0 35.0 - View Chart
P/BV x 0.2 4.2 4.6% View Chart
Dividend Yield % 0.0 0.1 -  

Financials

 PUNJAB & SIND BANK   KOTAK MAH. BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-17
KOTAK MAH. BANK
Mar-18
PUNJAB & SIND BANK/
KOTAK MAH. BANK
5-Yr Chart
Click to enlarge
High Rs591,133 5.2%   
Low Rs34868 3.9%   
Income per share (Unadj.) Rs204.1131.9 154.8%  
Earnings per share (Unadj.) Rs5.032.5 15.4%  
Cash flow per share (Unadj.) Rs18.8127.8 14.7%  
Dividends per share (Unadj.) Rs00.70 0.0%  
Avg Dividend yield %00.1 0.0%  
Book value per share (Unadj.) Rs153.4264.9 57.9%  
Shares outstanding (eoy) m400.411,905.65 21.0%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.27.6 3.0%   
Avg P/E ratio x9.230.7 30.0%  
Avg P/CF ratio x1.626.4 5.9%  
Avg Price/Bookvalue ratio x0.33.8 8.0%  
Dividend payout %02.2 0.0%   
Avg Mkt Cap Rs m18,5591,905,936 1.0%   
No. of employees `0009.435.7 26.3%   
Total wages & salary Rs m9,90143,809 22.6%   
Avg. income/employee Rs Th8,694.57,036.2 123.6%   
Avg. wages/employee Rs Th1,053.31,226.6 85.9%   
Avg. net profit/employee Rs Th213.91,736.1 12.3%   
INCOME DATA
Interest income Rs m81,729251,311 32.5%  
Other income Rs m5,781136,822 4.2%   
Interest expense Rs m60,135124,669 48.2%   
Net interest income Rs m21,593126,642 17.1%  
Operating expense Rs m14,956161,635 9.3%   
Gross profit Rs m6,638-34,993 -19.0%  
Gross profit margin %8.1-13.9 -58.3%  
Provisions/contingencies Rs m9,91410,247 96.7%   
Profit before tax Rs m2,50591,582 2.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-567 0.0%   
Prior Period Items Rs m01,105 0.0%   
Tax Rs m49430,111 1.6%   
Profit after tax Rs m2,01162,010 3.2%  
Net profit margin %2.524.7 10.0%  
BALANCE SHEET DATA
Advances Rs m583,3452,059,973 28.3%   
Deposits Rs m855,4021,912,358 44.7%  
Credit/Deposit ratio x68.2107.7 63.3%  
Yield on advances %9.78.9 109.2%   
Cost of deposits %6.84.6 147.1%   
Net Interest Margin %2.43.9 60.3%  
Net fixed assets Rs m10,95417,498 62.6%   
Share capital Rs m4,0049,528 42.0%   
Free reserves Rs m32,842419,105 7.8%   
Net worth Rs m61,425504,861 12.2%   
Borrowings Rs m29,584586,040 5.0%   
Investments Rs m279,485909,766 30.7%   
Total assets Rs m966,4343,377,205 28.6%  
Debt/equity ratio x14.44.9 291.1%   
Return on assets %0.21.8 11.3%  
Return on equity %3.312.3 26.7%  
Capital adequacy ratio %11.118.2 60.7%  
Net NPAs %7.51.0 751.0%  
CASH FLOW
From Operations Rs m-5,089-103,924 4.9%  
From Investments Rs m-198-56,083 0.4%  
From Financial Activity Rs m2,159146,794 1.5%  
Net Cashflow Rs m-3,128-11,879 26.3%  

Share Holding

Indian Promoters % 79.6 43.6 182.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.8 1.9 568.4%  
FIIs % 1.8 31.7 5.7%  
ADR/GDR % 0.0 0.2 -  
Free float % 7.8 22.7 34.4%  
Shareholders   150,895 64,886 232.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   UNITED BANK OF INDIA  BANK OF MAHARASHTRA  SYNDICATE BANK  YES BANK  CANARA BANK  

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



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KOTAK MAH. BANK Announces Quarterly Results (2QFY19); Net Profit Up 21.3% (Quarterly Result Update)

Nov 9, 2018 | Updated on Nov 9, 2018

For the quarter ended September 2018, KOTAK MAH. BANK has posted a net profit of Rs 17 bn (up 21.3% YoY). Sales on the other hand came in at Rs 73 bn (up 20.4% YoY). Read on for a complete analysis of KOTAK MAH. BANK's quarterly results.

PUNJAB & SIND BANK Announces Quarterly Results (1QFY19); Net Profit Down 1668.9% (Quarterly Result Update)

Aug 10, 2018 | Updated on Aug 10, 2018

For the quarter ended June 2018, PUNJAB & SIND BANK has posted a net profit of Rs 4 bn (down 1668.9% YoY). Sales on the other hand came in at Rs 22 bn (up 12.6% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

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