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- SBI - PNB
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 
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
Current Valuations
| SBI | PNB | SBI/ PNB |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 26.0 | -1.0 | - | View Chart |
| P/BV | x | 0.9 | 0.2 | 363.9% | View Chart |
| Dividend Yield | % | 0.0 | 0.0 | - |
Financials
 SBI  PNB |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| SBI Mar-19 |
PNB Mar-19 |
SBI/ PNB |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 321 | 105 | 304.9% | |
| Low | Rs | 233 | 60 | 390.3% | |
| Income per share (Unadj.) | Rs | 283.8 | 113.3 | 250.6% | |
| Earnings per share (Unadj.) | Rs | 2.6 | -21.8 | -11.8% | |
| Cash flow per share (Unadj.) | Rs | 54.2 | -53.9 | -100.5% | |
| Dividends per share (Unadj.) | Rs | 0 | 0 | - | |
| Avg Dividend yield | % | 0 | 0 | - | |
| Book value per share (Unadj.) | Rs | 262.8 | 98.9 | 265.8% | |
| Shares outstanding (eoy) | m | 8,924.59 | 4,604.05 | 193.8% | |
| Bonus/Rights/Conversions | - | - | - | ||
| Avg Price / Income ratio | x | 1.0 | 0.7 | 134.0% | |
| Avg P/E ratio | x | 107.5 | -3.8 | -2,838.7% | |
| Avg P/CF ratio | x | 3.8 | 3.4 | 111.0% | |
| Avg Price/Bookvalue ratio | x | 1.1 | 0.8 | 126.4% | |
| Dividend payout | % | 0 | 0 | - | |
| Avg Mkt Cap | Rs m | 2,473,004 | 379,834 | 651.1% | |
| No. of employees | `000 | 257.3 | 70.8 | 363.3% | |
| Total wages & salary | Rs m | 437,950 | 70,475 | 621.4% | |
| Avg. income/employee | Rs Th | 9,847.2 | 7,364.4 | 133.7% | |
| Avg. wages/employee | Rs Th | 1,702.4 | 995.3 | 171.0% | |
| Avg. net profit/employee | Rs Th | 89.4 | -1,416.0 | -6.3% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 2,533,221 | 521,471 | 485.8% | |
| Other income | Rs m | 773,652 | 73,674 | 1,050.1% | |
| Interest expense | Rs m | 1,558,675 | 346,557 | 449.8% | |
| Net interest income | Rs m | 974,547 | 174,915 | 557.2% | |
| Operating expense | Rs m | 1,148,003 | 116,893 | 982.1% | |
| Gross profit | Rs m | -173,456 | 58,022 | -298.9% | |
| Gross profit margin | % | -6.8 | 11.1 | -61.5% | |
| Provisions/contingencies | Rs m | 628,566 | 211,381 | 297.4% | |
| Profit before tax | Rs m | -28,370 | -149,085 | 19.0% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -10,509 | -4,563 | 230.3% | |
| Prior Period Items | Rs m | 2,815 | 0 | - | |
| Tax | Rs m | -59,061 | -53,384 | 110.6% | |
| Profit after tax | Rs m | 22,996 | -100,264 | -22.9% | |
| Net profit margin | % | 0.9 | -19.2 | -4.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 22,268,537 | 4,624,162 | 481.6% | |
| Deposits | Rs m | 29,405,411 | 6,818,742 | 431.2% | |
| Credit/Deposit ratio | x | 75.7 | 67.8 | 111.7% | |
| Yield on advances | % | 7.5 | 7.7 | 97.4% | |
| Cost of deposits | % | 4.8 | 4.7 | 101.1% | |
| Net Interest Margin | % | 2.7 | 2.3 | 116.9% | |
| Net fixed assets | Rs m | 407,031 | 62,476 | 651.5% | |
| Share capital | Rs m | 8,925 | 9,208 | 96.9% | |
| Free reserves | Rs m | 2,336,032 | 445,973 | 523.8% | |
| Net worth | Rs m | 2,344,957 | 455,181 | 515.2% | |
| Borrowings | Rs m | 4,137,477 | 468,280 | 883.5% | |
| Investments | Rs m | 11,192,478 | 2,097,230 | 533.7% | |
| Total assets | Rs m | 38,884,671 | 7,892,658 | 492.7% | |
| Debt/equity ratio | x | 14.3 | 16.0 | 89.4% | |
| Return on assets | % | 0.1 | -1.3 | -4.7% | |
| Return on equity | % | 1.0 | -22.0 | -4.5% | |
| Capital adequacy ratio | % | 12.9 | 9.7 | 132.1% | |
| Net NPAs | % | 3.0 | 6.6 | 45.9% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 295,560 | -341,580 | -86.5% | |
| From Investments | Rs m | -8,568 | 2,248 | -381.1% | |
| From Financial Activity | Rs m | 4,476 | 137,410 | 3.3% | |
| Net Cashflow | Rs m | 302,232 | -201,922 | -149.7% | |
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 | - |
Compare SBI With: HDFC BANK KOTAK MAHINDRA BANK DCB BANK BANK OF INDIA FEDERAL BANK
Compare SBI With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
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SBI Announces Quarterly Results (1QFY20); Net Profit Up 147.4% (Quarterly Result Update)
Aug 5, 2019 | Updated on Aug 5, 2019For the quarter ended June 2019, SBI has posted a net profit of Rs 23 bn (up 147.4% YoY). Sales on the other hand came in at Rs 626 bn (up 6.5% YoY). Read on for a complete analysis of SBI's quarterly results.
PNB Announces Quarterly Results (1QFY20); Net Profit Up 208.4% (Quarterly Result Update)
Jul 29, 2019 | Updated on Jul 29, 2019For the quarter ended June 2019, PNB has posted a net profit of Rs 10 bn (up 208.4% YoY). Sales on the other hand came in at Rs 131 bn (down 0.2% YoY). Read on for a complete analysis of PNB's quarterly results.
PNB Announces Quarterly Results (4QFY19); Net Profit Up 64.6% (Quarterly Result Update)
May 30, 2019 | Updated on May 30, 2019For the quarter ended March 2019, PNB has posted a net profit of Rs 47 bn (up 64.6% YoY). Sales on the other hand came in at Rs 128 bn (up 12.7% YoY). Read on for a complete analysis of PNB's quarterly results.
SBI Announces Quarterly Results (4QFY19); Net Profit Up 110.9% (Quarterly Result Update)
May 13, 2019 | Updated on May 13, 2019For the quarter ended March 2019, SBI has posted a net profit of Rs 8 bn (up 110.9% YoY). Sales on the other hand came in at Rs 630 bn (up 12.6% YoY). Read on for a complete analysis of SBI's quarterly results.
PNB Announces Quarterly Results (3QFY19); Net Profit Down 1189.6% (Quarterly Result Update)
Feb 13, 2019 | Updated on Feb 13, 2019For the quarter ended December 2018, PNB has posted a net profit of Rs 25 bn (down 1189.6% YoY). Sales on the other hand came in at Rs 130 bn (up 7.1% YoY). Read on for a complete analysis of PNB's quarterly results.
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MoreSBI SHARE PRICE
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