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Compare Punjab & Sind Bank with Oriental Bank - Equitymaster

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PUNJAB & SIND BANK vs ORIENTAL BANK - Comparison Results

ORIENTAL BANK 
   Change

Oriental Bank of Commerce (OBC) had historically enjoyed the repute of being one of the most efficient public sector banks in the country. However the merger with GTB in FY05 took a toll on the bank's asset quality and margins. As against most of its... More

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Current Valuations

    PUNJAB & SIND BANK ORIENTAL BANK PUNJAB & SIND BANK/
ORIENTAL BANK
 
P/E (TTM) x -1.7 -0.4 - View Chart
P/BV x 0.2 0.2 100.2% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PUNJAB & SIND BANK   ORIENTAL BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-17
ORIENTAL BANK
Mar-18
PUNJAB & SIND BANK/
ORIENTAL BANK
5-Yr Chart
Click to enlarge
High Rs59191 30.7%   
Low Rs3484 40.7%   
Income per share (Unadj.) Rs204.1275.0 74.2%  
Earnings per share (Unadj.) Rs5.0-92.8 -5.4%  
Cash flow per share (Unadj.) Rs18.8-194.4 -9.7%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs153.4186.3 82.4%  
Shares outstanding (eoy) m400.41632.77 63.3%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.20.5 45.4%   
Avg P/E ratio x9.2-1.5 -623.3%  
Avg P/CF ratio x1.62.2 70.3%  
Avg Price/Bookvalue ratio x0.30.7 41.0%  
Dividend payout %00-   
Avg Mkt Cap Rs m18,55986,943 21.3%   
No. of employees `0009.422.0 42.8%   
Total wages & salary Rs m9,90117,566 56.4%   
Avg. income/employee Rs Th8,694.57,916.9 109.8%   
Avg. wages/employee Rs Th1,053.3799.3 131.8%   
Avg. net profit/employee Rs Th213.9-2,671.8 -8.0%   
INCOME DATA
Interest income Rs m81,729173,989 47.0%  
Other income Rs m5,78127,824 20.8%   
Interest expense Rs m60,135128,881 46.7%   
Net interest income Rs m21,59345,108 47.9%  
Operating expense Rs m14,95635,900 41.7%   
Gross profit Rs m6,6389,208 72.1%  
Gross profit margin %8.15.3 153.5%  
Provisions/contingencies Rs m9,91497,976 10.1%   
Profit before tax Rs m2,505-60,944 -4.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m494-2,227 -22.2%   
Profit after tax Rs m2,011-58,717 -3.4%  
Net profit margin %2.5-33.7 -7.3%  
BALANCE SHEET DATA
Advances Rs m583,3451,363,679 42.8%   
Deposits Rs m855,4022,073,461 41.3%  
Credit/Deposit ratio x68.265.8 103.7%  
Yield on advances %9.78.9 109.5%   
Cost of deposits %6.85.8 117.1%   
Net Interest Margin %2.42.1 115.9%  
Net fixed assets Rs m10,95425,496 43.0%   
Share capital Rs m4,0046,328 63.3%   
Free reserves Rs m32,842115,677 28.4%   
Net worth Rs m61,425117,868 52.1%   
Borrowings Rs m29,58496,941 30.5%   
Investments Rs m279,485699,023 40.0%   
Total assets Rs m966,4342,333,440 41.4%  
Debt/equity ratio x14.418.4 78.2%   
Return on assets %0.2-2.5 -8.3%  
Return on equity %3.3-49.8 -6.6%  
Capital adequacy ratio %11.110.5 105.2%  
Net NPAs %7.510.5 71.7%  
CASH FLOW
From Operations Rs m-5,089-36,389 14.0%  
From Investments Rs m-198-4,506 4.4%  
From Financial Activity Rs m2,1593,447 62.6%  
Net Cashflow Rs m-3,128-37,448 8.4%  

Share Holding

Indian Promoters % 79.6 59.1 134.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.8 24.0 45.0%  
FIIs % 1.8 9.9 18.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.8 7.0 111.4%  
Shareholders   150,895 114,330 132.0%  
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  INDIAN OVERSEAS BANK  YES BANK  CANARA BANK  

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



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