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Compare Punjab & Sind Bank with PNB - Equitymaster

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PUNJAB & SIND BANK vs PNB - Comparison Results

PNB 
   Change

Punjab National Bank (PNB) is the third largest banking entity in the country with 7% share of the total non-food credit disbursals at the end of FY12. Robust growth and stellar margins has pegged the bank amongst the frontrunners in the PSU banking ... More

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Current Valuations

    PUNJAB & SIND BANK PNB PUNJAB & SIND BANK/
PNB
 
P/E (TTM) x 3.8 -1.1 - View Chart
P/BV x 0.2 0.3 70.5% View Chart
Dividend Yield % 1.9 0.0 -  

Financials

 PUNJAB & SIND BANK   PNB
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-15
PNB
Mar-17
PUNJAB & SIND BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs84159 52.6%   
Low Rs4472 60.8%   
Income per share (Unadj.) Rs214.5225.8 95.0%  
Earnings per share (Unadj.) Rs3.04.0 75.9%  
Cash flow per share (Unadj.) Rs21.3-17.4 -122.4%  
Dividends per share (Unadj.) Rs0.600-  
Avg Dividend yield %0.90-  
Book value per share (Unadj.) Rs139.8202.8 68.9%  
Shares outstanding (eoy) m400.412,127.97 18.8%   
Bonus/Rights/Conversions PAOI-  
Avg Price / Income ratio x0.30.5 58.1%   
Avg P/E ratio x21.129.0 72.7%  
Avg P/CF ratio x3.41.6 215.9%  
Avg Price/Bookvalue ratio x0.50.6 80.1%  
Dividend payout %19.80-   
Avg Mkt Cap Rs m25,566246,206 10.4%   
No. of employees `0009.273.9 12.4%   
Total wages & salary Rs m8,74354,823 15.9%   
Avg. income/employee Rs Th9,355.76,501.5 143.9%   
Avg. wages/employee Rs Th952.4741.7 128.4%   
Avg. net profit/employee Rs Th132.2114.9 115.1%   
INCOME DATA
Interest income Rs m85,886480,581 17.9%  
Other income Rs m4,28891,676 4.7%   
Interest expense Rs m69,094327,223 21.1%   
Net interest income Rs m16,792153,358 10.9%  
Operating expense Rs m13,32595,236 14.0%   
Gross profit Rs m3,46758,122 6.0%  
Gross profit margin %4.012.1 33.4%  
Provisions/contingencies Rs m6,273147,176 4.3%   
Profit before tax Rs m1,48115,401 9.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-520 0.0%   
Prior Period Items Rs m00-   
Tax Rs m2686,390 4.2%   
Profit after tax Rs m1,2148,492 14.3%  
Net profit margin %1.41.8 80.0%  
BALANCE SHEET DATA
Advances Rs m638,7024,242,305 15.1%   
Deposits Rs m867,1476,296,509 13.8%  
Credit/Deposit ratio x73.767.4 109.3%  
Yield on advances %10.07.9 125.6%   
Cost of deposits %7.74.8 161.3%   
Net Interest Margin %1.82.2 81.6%  
Net fixed assets Rs m9,94862,978 15.8%   
Share capital Rs m4,0044,256 94.1%   
Free reserves Rs m31,061305,883 10.2%   
Net worth Rs m55,962431,649 13.0%   
Borrowings Rs m30,482433,360 7.0%   
Investments Rs m267,5171,915,272 14.0%   
Total assets Rs m977,5347,333,109 13.3%  
Debt/equity ratio x16.015.6 102.9%   
Return on assets %0.10.1 107.2%  
Return on equity %2.22.0 110.2%  
Capital adequacy ratio %11.212.4 90.7%  
Net NPAs %3.67.8 45.5%  
CASH FLOW
From Operations Rs m-19,816219,380 -9.0%  
From Investments Rs m-8451,588 -53.2%  
From Financial Activity Rs m-392-97,671 0.4%  
Net Cashflow Rs m-21,053123,297 -17.1%  

Share Holding

Indian Promoters % 79.6 58.9 135.1%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.8 18.7 57.8%  
FIIs % 1.8 17.2 10.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.8 5.3 147.2%  
Shareholders   150,895 215,441 70.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   INDIAN OVERSEAS BANK  CITY UNION BANK  BANK OF INDIA  UNION BANK  J&K BANK  

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



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