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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 -1.7 -39.5 - View Chart
P/BV x 0.2 0.9 21.8% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PUNJAB & SIND BANK   SBI
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-17
SBI
Mar-18
PUNJAB & SIND BANK/
SBI
5-Yr Chart
Click to enlarge
High Rs59337 17.3%   
Low Rs34235 14.6%   
Income per share (Unadj.) Rs204.1256.6 79.6%  
Earnings per share (Unadj.) Rs5.0-5.1 -98.4%  
Cash flow per share (Unadj.) Rs18.811.4 165.0%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs153.4258.1 59.4%  
Shares outstanding (eoy) m400.418,924.59 4.5%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.21.1 20.4%   
Avg P/E ratio x9.2-56.0 -16.5%  
Avg P/CF ratio x1.63.6 42.8%  
Avg Price/Bookvalue ratio x0.31.1 27.3%  
Dividend payout %00-   
Avg Mkt Cap Rs m18,5592,552,433 0.7%   
No. of employees `0009.4264.0 3.6%   
Total wages & salary Rs m9,901354,106 2.8%   
Avg. income/employee Rs Th8,694.58,671.8 100.3%   
Avg. wages/employee Rs Th1,053.31,341.1 78.5%   
Avg. net profit/employee Rs Th213.9-172.6 -124.0%   
INCOME DATA
Interest income Rs m81,7292,289,703 3.6%  
Other income Rs m5,781775,572 0.7%   
Interest expense Rs m60,1351,466,030 4.1%   
Net interest income Rs m21,593823,673 2.6%  
Operating expense Rs m14,956961,544 1.6%   
Gross profit Rs m6,638-137,871 -4.8%  
Gross profit margin %8.1-6.0 -134.9%  
Provisions/contingencies Rs m9,914746,816 1.3%   
Profit before tax Rs m2,505-109,114 -2.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-8,070 0.0%   
Prior Period Items Rs m04,382 0.0%   
Tax Rs m494-67,240 -0.7%   
Profit after tax Rs m2,011-45,563 -4.4%  
Net profit margin %2.5-2.0 -123.6%  
BALANCE SHEET DATA
Advances Rs m583,34519,601,185 3.0%   
Deposits Rs m855,40227,221,783 3.1%  
Credit/Deposit ratio x68.272.0 94.7%  
Yield on advances %9.77.4 131.7%   
Cost of deposits %6.85.0 136.1%   
Net Interest Margin %2.42.5 96.3%  
Net fixed assets Rs m10,954412,258 2.7%   
Share capital Rs m4,0048,925 44.9%   
Free reserves Rs m32,8422,294,295 1.4%   
Net worth Rs m61,4252,303,220 2.7%   
Borrowings Rs m29,5843,690,793 0.8%   
Investments Rs m279,48511,837,942 2.4%   
Total assets Rs m966,43436,164,330 2.7%  
Debt/equity ratio x14.413.4 107.3%   
Return on assets %0.2-0.1 -165.1%  
Return on equity %3.3-2.0 -165.5%  
Capital adequacy ratio %11.112.7 86.7%  
Net NPAs %7.55.7 131.1%  
CASH FLOW
From Operations Rs m-5,089-965,079 0.5%  
From Investments Rs m-198110,658 -0.2%  
From Financial Activity Rs m2,15955,472 3.9%  
Net Cashflow Rs m-3,128-779,081 0.4%  

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:   SOUTH IND.BANK  J&K BANK  DENA BANK  ANDHRA BANK  INDUSIND BANK  

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



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