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Compare Punjab & Sind Bank with Yes Bank - Equitymaster

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PUNJAB & SIND BANK vs YES BANK - Comparison Results

YES BANK 
   Change

Yes Bank, which received its greenfield banking license in May 2004, commenced its lending operations in October 2004. The bank had 356 branches and 600 ATMs at the end of FY12. The asset mix is expected to change from C&IB (65%), Business Banking (2... More

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Current Valuations

    PUNJAB & SIND BANK YES BANK PUNJAB & SIND BANK/
YES BANK
 
P/E (TTM) x -1.7 17.9 - View Chart
P/BV x 0.2 2.9 6.9% View Chart
Dividend Yield % 0.0 0.8 -  

Financials

 PUNJAB & SIND BANK   YES BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-17
YES BANK
Mar-18
PUNJAB & SIND BANK/
YES BANK
5-Yr Chart
Click to enlarge
High Rs591,886 3.1%   
Low Rs34285 12.0%   
Income per share (Unadj.) Rs204.1440.1 46.4%  
Earnings per share (Unadj.) Rs5.091.7 5.5%  
Cash flow per share (Unadj.) Rs18.8215.2 8.8%  
Dividends per share (Unadj.) Rs02.70 0.0%  
Avg Dividend yield %00.2 0.0%  
Book value per share (Unadj.) Rs153.4559.2 27.4%  
Shares outstanding (eoy) m400.41460.59 86.9%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x0.22.5 9.2%   
Avg P/E ratio x9.211.8 78.0%  
Avg P/CF ratio x1.68.6 18.0%  
Avg Price/Bookvalue ratio x0.31.9 15.6%  
Dividend payout %02.9 0.0%   
Avg Mkt Cap Rs m18,559499,970 3.7%   
No. of employees `0009.418.2 51.5%   
Total wages & salary Rs m9,90121,889 45.2%   
Avg. income/employee Rs Th8,694.511,113.4 78.2%   
Avg. wages/employee Rs Th1,053.31,200.2 87.8%   
Avg. net profit/employee Rs Th213.92,316.4 9.2%   
INCOME DATA
Interest income Rs m81,729202,686 40.3%  
Other income Rs m5,78152,932 10.9%   
Interest expense Rs m60,135125,294 48.0%   
Net interest income Rs m21,59377,392 27.9%  
Operating expense Rs m14,95652,735 28.4%   
Gross profit Rs m6,63824,656 26.9%  
Gross profit margin %8.112.2 66.8%  
Provisions/contingencies Rs m9,91415,558 63.7%   
Profit before tax Rs m2,50561,943 4.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m49419,698 2.5%   
Profit after tax Rs m2,01142,246 4.8%  
Net profit margin %2.520.8 11.8%  
BALANCE SHEET DATA
Advances Rs m583,3452,035,339 28.7%   
Deposits Rs m855,4022,007,382 42.6%  
Credit/Deposit ratio x68.2101.4 67.3%  
Yield on advances %9.77.6 128.1%   
Cost of deposits %6.84.7 145.6%   
Net Interest Margin %2.42.6 91.1%  
Net fixed assets Rs m10,9548,324 131.6%   
Share capital Rs m4,0044,606 86.9%   
Free reserves Rs m32,842252,977 13.0%   
Net worth Rs m61,425257,583 23.8%   
Borrowings Rs m29,584748,936 4.0%   
Investments Rs m279,485683,989 40.9%   
Total assets Rs m966,4343,124,456 30.9%  
Debt/equity ratio x14.410.7 134.6%   
Return on assets %0.21.4 15.4%  
Return on equity %3.316.4 20.0%  
Capital adequacy ratio %11.118.4 60.1%  
Net NPAs %7.50.6 1,173.4%  
CASH FLOW
From Operations Rs m-5,089-218,777 2.3%  
From Investments Rs m-198-86,919 0.2%  
From Financial Activity Rs m2,159357,479 0.6%  
Net Cashflow Rs m-3,12851,849 -6.0%  

Share Holding

Indian Promoters % 79.6 22.1 360.2%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.8 20.7 52.2%  
FIIs % 1.8 45.1 4.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.8 12.2 63.9%  
Shareholders   150,895 172,309 87.6%  
Pledged promoter(s) holding % 0.0 3.6 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   J&K BANK  CORPORATION BANK  IDBI BANK  SYNDICATE BANK  ICICI BANK  

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



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