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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 5.6 21.1 26.6% View Chart
P/BV x 0.3 3.6 9.4% View Chart
Dividend Yield % 1.3 3.5 36.9%  

Financials

 PUNJAB & SIND BANK   YES BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-15
YES BANK
Mar-17
PUNJAB & SIND BANK/
YES BANK
5-Yr Chart
Click to enlarge
High Rs841,558 5.4%   
Low Rs44827 5.3%   
Income per share (Unadj.) Rs214.5359.8 59.6%  
Earnings per share (Unadj.) Rs3.073.2 4.1%  
Cash flow per share (Unadj.) Rs21.3184.6 11.5%  
Dividends per share (Unadj.) Rs0.6012.00 5.0%  
Avg Dividend yield %0.91.0 93.4%  
Book value per share (Unadj.) Rs139.8482.8 28.9%  
Shares outstanding (eoy) m400.41456.49 87.7%   
Bonus/Rights/Conversions PAESOP-  
Avg Price / Income ratio x0.33.3 9.0%   
Avg P/E ratio x21.116.3 129.3%  
Avg P/CF ratio x3.413.2 25.9%  
Avg Price/Bookvalue ratio x0.52.5 18.5%  
Dividend payout %19.816.4 120.7%   
Avg Mkt Cap Rs m25,566544,273 4.7%   
No. of employees `0009.220.1 45.6%   
Total wages & salary Rs m8,74318,402 47.5%   
Avg. income/employee Rs Th9,355.78,161.5 114.6%   
Avg. wages/employee Rs Th952.4914.4 104.2%   
Avg. net profit/employee Rs Th132.21,659.6 8.0%   
INCOME DATA
Interest income Rs m85,886164,250 52.3%  
Other income Rs m4,28842,178 10.2%   
Interest expense Rs m69,094106,265 65.0%   
Net interest income Rs m16,79257,985 29.0%  
Operating expense Rs m13,32541,686 32.0%   
Gross profit Rs m3,46716,299 21.3%  
Gross profit margin %4.09.9 40.7%  
Provisions/contingencies Rs m6,2737,938 79.0%   
Profit before tax Rs m1,48150,539 2.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m26817,140 1.6%   
Profit after tax Rs m1,21433,399 3.6%  
Net profit margin %1.420.3 6.9%  
BALANCE SHEET DATA
Advances Rs m638,7021,322,627 48.3%   
Deposits Rs m867,1471,428,574 60.7%  
Credit/Deposit ratio x73.792.6 79.6%  
Yield on advances %10.09.2 108.1%   
Cost of deposits %7.75.7 134.5%   
Net Interest Margin %1.82.9 61.6%  
Net fixed assets Rs m9,9486,868 144.9%   
Share capital Rs m4,0044,565 87.7%   
Free reserves Rs m31,061177,869 17.5%   
Net worth Rs m55,962220,396 25.4%   
Borrowings Rs m30,482386,067 7.9%   
Investments Rs m267,517499,818 53.5%   
Total assets Rs m977,5342,150,597 45.5%  
Debt/equity ratio x16.08.2 194.8%   
Return on assets %0.11.6 8.0%  
Return on equity %2.215.2 14.3%  
Capital adequacy ratio %11.217.0 66.1%  
Net NPAs %3.60.8 438.3%  
CASH FLOW
From Operations Rs m-19,81643,841 -45.2%  
From Investments Rs m-845-44,739 1.9%  
From Financial Activity Rs m-392114,292 -0.3%  
Net Cashflow Rs m-21,053113,395 -18.6%  

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:   PNB  INDIAN OVERSEAS BANK  DHANLAXMI BANK  CANARA BANK  SOUTH IND.BANK  

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



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