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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 -1.0 -0.7 - View Chart
P/BV x 0.2 0.3 61.4% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PUNJAB & SIND BANK   PNB
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-17
PNB
Mar-18
PUNJAB & SIND BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs59214 27.4%   
Low Rs3493 36.7%   
Income per share (Unadj.) Rs204.1176.5 115.6%  
Earnings per share (Unadj.) Rs5.0-45.7 -11.0%  
Cash flow per share (Unadj.) Rs18.8-79.6 -23.7%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs153.4153.9 99.7%  
Shares outstanding (eoy) m400.412,760.57 14.5%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.20.9 26.1%   
Avg P/E ratio x9.2-3.4 -274.7%  
Avg P/CF ratio x1.613.4 11.6%  
Avg Price/Bookvalue ratio x0.31.0 30.3%  
Dividend payout %00-   
Avg Mkt Cap Rs m18,559423,471 4.4%   
No. of employees `0009.474.9 12.6%   
Total wages & salary Rs m9,90192,424 10.7%   
Avg. income/employee Rs Th8,694.56,505.6 133.6%   
Avg. wages/employee Rs Th1,053.31,234.0 85.4%   
Avg. net profit/employee Rs Th213.9-1,682.7 -12.7%   
INCOME DATA
Interest income Rs m81,729487,249 16.8%  
Other income Rs m5,78188,833 6.5%   
Interest expense Rs m60,135335,304 17.9%   
Net interest income Rs m21,593151,945 14.2%  
Operating expense Rs m14,956136,426 11.0%   
Gross profit Rs m6,63815,519 42.8%  
Gross profit margin %8.13.2 255.0%  
Provisions/contingencies Rs m9,914157,577 6.3%   
Profit before tax Rs m2,505-198,462 -1.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-188 0.0%   
Prior Period Items Rs m00-   
Tax Rs m494-72,618 -0.7%   
Profit after tax Rs m2,011-126,031 -1.6%  
Net profit margin %2.5-25.9 -9.5%  
BALANCE SHEET DATA
Advances Rs m583,3454,387,980 13.3%   
Deposits Rs m855,4026,484,390 13.2%  
Credit/Deposit ratio x68.267.7 100.8%  
Yield on advances %9.77.4 131.3%   
Cost of deposits %6.84.7 144.3%   
Net Interest Margin %2.42.0 116.1%  
Net fixed assets Rs m10,95463,743 17.2%   
Share capital Rs m4,0045,521 72.5%   
Free reserves Rs m32,842268,284 12.2%   
Net worth Rs m61,425424,851 14.5%   
Borrowings Rs m29,584653,297 4.5%   
Investments Rs m279,4852,059,102 13.6%   
Total assets Rs m966,4347,789,949 12.4%  
Debt/equity ratio x14.416.8 85.8%   
Return on assets %0.2-1.6 -12.9%  
Return on equity %3.3-29.7 -11.0%  
Capital adequacy ratio %11.19.2 120.1%  
Net NPAs %7.511.2 66.8%  
CASH FLOW
From Operations Rs m-5,089-1,402 362.9%  
From Investments Rs m-198-11,032 1.8%  
From Financial Activity Rs m2,15973,524 2.9%  
Net Cashflow Rs m-3,12861,091 -5.1%  

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:   DENA BANK  IDBI BANK  IDFC BANK LTD  CORPORATION BANK  SBI  

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



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