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Compare SBI with PNB - Equitymaster
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SBI vs PNB - 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

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

    SBI PNB SBI/
PNB
 
P/E (TTM) x 21.3 -19.0 - View Chart
P/BV x 1.2 0.6 189.9% View Chart
Dividend Yield % 0.9 0.0 -  

Financials

 SBI   PNB
EQUITY SHARE DATA
    SBI
Mar-16
PNB
Mar-16
SBI/
PNB
5-Yr Chart
Click to enlarge
High Rs305167 182.7%   
Low Rs14871 208.0%   
Income per share (Unadj.) Rs285.8258.7 110.4%  
Earnings per share (Unadj.) Rs15.7-19.6 -80.5%  
Cash flow per share (Unadj.) Rs68.8-60.5 -113.7%  
Dividends per share (Unadj.) Rs2.600-  
Avg Dividend yield %1.10-  
Book value per share (Unadj.) Rs232.6212.9 109.3%  
Shares outstanding (eoy) m7,763.601,963.60 395.4%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x0.80.5 172.3%   
Avg P/E ratio x14.4-6.1 -236.5%  
Avg P/CF ratio x3.51.8 193.8%  
Avg Price/Bookvalue ratio x1.00.6 174.2%  
Dividend payout %16.50-   
Avg Mkt Cap Rs m1,759,620233,865 752.4%   
No. of employees `000207.770.8 293.4%   
Total wages & salary Rs m325,25665,645 495.5%   
Avg. income/employee Rs Th10,679.57,175.6 148.8%   
Avg. wages/employee Rs Th1,565.7927.2 168.9%   
Avg. net profit/employee Rs Th588.5-542.8 -108.4%   
INCOME DATA
Interest income Rs m2,218,548508,039 436.7%  
Other income Rs m510,16269,766 731.2%   
Interest expense Rs m1,430,474343,306 416.7%   
Net interest income Rs m788,075164,733 478.4%  
Operating expense Rs m737,171103,499 712.3%   
Gross profit Rs m50,90461,234 83.1%  
Gross profit margin %2.312.1 19.0%  
Provisions/contingencies Rs m379,298167,633 226.3%   
Profit before tax Rs m181,768-52,931 -343.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-7,945-1,797 442.2%   
Prior Period Items Rs m2,7580-   
Tax Rs m54,335-16,299 -333.4%   
Profit after tax Rs m122,246-38,430 -318.1%  
Net profit margin %5.5-7.6 -72.8%  
BALANCE SHEET DATA
Advances Rs m18,702,6094,460,830 419.3%   
Deposits Rs m22,538,5765,703,826 395.1%  
Credit/Deposit ratio x83.078.2 106.1%  
Yield on advances %8.48.4 100.4%   
Cost of deposits %5.95.4 109.5%   
Net Interest Margin %2.82.4 118.5%  
Net fixed assets Rs m152,55753,081 287.4%   
Share capital Rs m7,7633,927 197.7%   
Free reserves Rs m1,063,251295,310 360.0%   
Net worth Rs m1,805,924418,043 432.0%   
Borrowings Rs m2,582,144816,737 316.2%   
Investments Rs m7,051,8911,651,265 427.1%   
Total assets Rs m29,708,9767,127,930 416.8%  
Debt/equity ratio x13.915.6 89.2%   
Return on assets %0.4-0.5 -76.3%  
Return on equity %6.8-9.2 -73.6%  
Capital adequacy ratio %13.913.7 102.0%  
Net NPAs %3.88.6 44.3%  
CASH FLOW
From Operations Rs m140,767141,670 99.4%  
From Investments Rs m-36,686-13,515 271.4%  
From Financial Activity Rs m43,48559,747 72.8%  
Net Cashflow Rs m147,566187,902 78.5%  

Share Holding

Indian Promoters % 58.6 58.9 99.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 20.9 18.7 111.8%  
FIIs % 9.7 17.2 56.4%  
ADR/GDR % 2.1 0.0 -  
Free float % 8.7 5.3 164.2%  
Shareholders   855,889 215,441 397.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare SBI With:   SOUTH IND.BANK  J&K BANK  DENA BANK  VIJAYA BANK  INDUSIND BANK  

Compare SBI With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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