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Compare Punjab & Sind Bank with SBI - Equitymaster
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PUNJAB & SIND BANK vs SBI - Comparison Results

SBI 
   Change

SBI is India's largest bank in the country with an asset size of over Rs 13 trillion. Although the bank's loan book is largely skewed towards corporate (large, mid and small) loans (50% of total advances in FY12), the retail side is also fast catchin... More

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Current Valuations

    PUNJAB & SIND BANK SBI PUNJAB & SIND BANK/
SBI
 
P/E (TTM) x 5.9 21.8 27.0% View Chart
P/BV x 0.4 1.2 29.2% View Chart
Dividend Yield % 1.2 0.9 131.4%  

Financials

 PUNJAB & SIND BANK   SBI
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-15
SBI
Mar-16
PUNJAB & SIND BANK/
SBI
5-Yr Chart
Click to enlarge
High Rs84305 27.5%   
Low Rs44148 29.5%   
Income per share (Unadj.) Rs214.5285.8 75.1%  
Earnings per share (Unadj.) Rs3.015.7 19.2%  
Cash flow per share (Unadj.) Rs21.368.8 31.0%  
Dividends per share (Unadj.) Rs0.602.60 23.1%  
Avg Dividend yield %0.91.1 81.9%  
Book value per share (Unadj.) Rs139.8232.6 60.1%  
Shares outstanding (eoy) m400.417,763.60 5.2%   
Bonus/Rights/Conversions PA--  
Avg Price / Income ratio x0.30.8 37.5%   
Avg P/E ratio x21.114.4 146.4%  
Avg P/CF ratio x3.43.5 97.3%  
Avg Price/Bookvalue ratio x0.51.0 46.9%  
Dividend payout %19.816.5 119.9%   
Avg Mkt Cap Rs m25,5661,759,620 1.5%   
No. of employees `0009.2207.7 4.4%   
Total wages & salary Rs m8,743325,256 2.7%   
Avg. income/employee Rs Th9,355.710,679.5 87.6%   
Avg. wages/employee Rs Th952.41,565.7 60.8%   
Avg. net profit/employee Rs Th132.2588.5 22.5%   
INCOME DATA
Interest income Rs m85,8862,218,548 3.9%  
Other income Rs m4,288510,162 0.8%   
Interest expense Rs m69,0941,430,474 4.8%   
Net interest income Rs m16,792788,075 2.1%  
Operating expense Rs m13,325737,171 1.8%   
Gross profit Rs m3,46750,904 6.8%  
Gross profit margin %4.02.3 175.9%  
Provisions/contingencies Rs m6,273379,298 1.7%   
Profit before tax Rs m1,481181,768 0.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-7,945 0.0%   
Prior Period Items Rs m02,758 0.0%   
Tax Rs m26854,335 0.5%   
Profit after tax Rs m1,214122,246 1.0%  
Net profit margin %1.45.5 25.6%  
BALANCE SHEET DATA
Advances Rs m638,70218,702,609 3.4%   
Deposits Rs m867,14722,538,576 3.8%  
Credit/Deposit ratio x73.783.0 88.8%  
Yield on advances %10.08.4 118.9%   
Cost of deposits %7.75.9 131.4%   
Net Interest Margin %1.82.8 62.4%  
Net fixed assets Rs m9,948152,557 6.5%   
Share capital Rs m4,0047,763 51.6%   
Free reserves Rs m31,0611,063,251 2.9%   
Net worth Rs m55,9621,805,924 3.1%   
Borrowings Rs m30,4822,582,144 1.2%   
Investments Rs m267,5177,051,891 3.8%   
Total assets Rs m977,53429,708,976 3.3%  
Debt/equity ratio x16.013.9 115.3%   
Return on assets %0.10.4 30.2%  
Return on equity %2.26.8 32.0%  
Capital adequacy ratio %11.213.9 80.6%  
Net NPAs %3.63.8 93.2%  
CASH FLOW
From Operations Rs m-19,816140,767 -14.1%  
From Investments Rs m-845-36,686 2.3%  
From Financial Activity Rs m-39243,485 -0.9%  
Net Cashflow Rs m-21,053147,566 -14.3%  

Share Holding

Indian Promoters % 79.6 58.6 135.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.8 20.9 51.7%  
FIIs % 1.8 9.7 18.6%  
ADR/GDR % 0.0 2.1 -  
Free float % 7.8 8.7 89.7%  
Shareholders   150,895 855,889 17.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   CORPORATION BANK  BANK OF BARODA  KOTAK MAH. BANK  AXIS BANK  BANK OF INDIA  

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



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