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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 23.9 5.4 441.1% View Chart
P/BV x 1.0 0.5 179.9% View Chart
Dividend Yield % 1.0 0.0 -  

Financials

 SBI   PNB
EQUITY SHARE DATA
    SBI
Mar-17
PNB
Mar-17
SBI/
PNB
5-Yr Chart
Click to enlarge
High Rs294159 184.6%   
Low Rs16772 231.4%   
Income per share (Unadj.) Rs289.0225.8 128.0%  
Earnings per share (Unadj.) Rs0.34.0 7.6%  
Cash flow per share (Unadj.) Rs34.6-17.4 -198.6%  
Dividends per share (Unadj.) Rs2.600-  
Avg Dividend yield %1.10-  
Book value per share (Unadj.) Rs272.4202.8 134.3%  
Shares outstanding (eoy) m7,974.332,127.97 374.7%   
Bonus/Rights/Conversions OIOI-  
Avg Price / Income ratio x0.80.5 155.7%   
Avg P/E ratio x761.829.0 2,627.4%  
Avg P/CF ratio x3.01.6 188.8%  
Avg Price/Bookvalue ratio x0.80.6 148.3%  
Dividend payout %859.50-   
Avg Mkt Cap Rs m1,837,684246,206 746.4%   
No. of employees `000209.673.9 283.5%   
Total wages & salary Rs m356,91254,823 651.0%   
Avg. income/employee Rs Th10,996.46,501.5 169.1%   
Avg. wages/employee Rs Th1,703.1741.7 229.6%   
Avg. net profit/employee Rs Th11.5114.9 10.0%   
INCOME DATA
Interest income Rs m2,304,475480,581 479.5%  
Other income Rs m681,93091,676 743.8%   
Interest expense Rs m1,491,147327,223 455.7%   
Net interest income Rs m813,328153,358 530.3%  
Operating expense Rs m872,90195,236 916.6%   
Gross profit Rs m-59,57358,122 -102.5%  
Gross profit margin %-2.612.1 -21.4%  
Provisions/contingencies Rs m612,909147,176 416.4%   
Profit before tax Rs m9,44815,401 61.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m3,386-520 -651.4%   
Prior Period Items Rs m2,9330-   
Tax Rs m13,3556,390 209.0%   
Profit after tax Rs m2,4128,492 28.4%  
Net profit margin %0.11.8 5.9%  
BALANCE SHEET DATA
Advances Rs m18,968,8684,242,305 447.1%   
Deposits Rs m25,998,1076,296,509 412.9%  
Credit/Deposit ratio x73.067.4 108.3%  
Yield on advances %8.37.9 104.0%   
Cost of deposits %5.34.8 111.5%   
Net Interest Margin %2.52.2 117.3%  
Net fixed assets Rs m509,40762,978 808.9%   
Share capital Rs m7,9744,256 187.4%   
Free reserves Rs m2,163,948305,883 707.4%   
Net worth Rs m2,171,922431,649 503.2%   
Borrowings Rs m3,363,657433,360 776.2%   
Investments Rs m10,272,8091,915,272 536.4%   
Total assets Rs m34,451,2167,333,109 469.8%  
Debt/equity ratio x13.515.6 86.7%   
Return on assets %00.1 6.0%  
Return on equity %0.12.0 5.6%  
Capital adequacy ratio %13.612.4 109.4%  
Net NPAs %3.77.8 47.5%  
CASH FLOW
From Operations Rs m774,060219,380 352.8%  
From Investments Rs m-28,3211,588 -1,784.0%  
From Financial Activity Rs m-41,965-97,671 43.0%  
Net Cashflow Rs m703,774123,297 570.8%  

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:   BANK OF MAHARASHTRA  UNION BANK  CITY UNION BANK  KARUR VYSYA BANK  ANDHRA BANK  

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



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