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SOUTH IND.BANK vs PNB - Comparison Results

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

    SOUTH IND.BANK PNB SOUTH IND.BANK/
PNB
 
P/E (TTM) x 5.5 7.5 73.0% View Chart
P/BV x 1.2 0.8 160.5% View Chart
Dividend Yield % 1.9 0.0 -  

Financials

 SOUTH IND.BANK   PNB
EQUITY SHARE DATA
    SOUTH IND.BANK
Mar-15
PNB
Mar-17
SOUTH IND.BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs35159 22.0%   
Low Rs2272 30.3%   
Income per share (Unadj.) Rs39.2225.8 17.3%  
Earnings per share (Unadj.) Rs2.34.0 57.0%  
Cash flow per share (Unadj.) Rs7.7-17.4 -44.0%  
Dividends per share (Unadj.) Rs0.600-  
Avg Dividend yield %2.10-  
Book value per share (Unadj.) Rs26.6202.8 13.1%  
Shares outstanding (eoy) m1,350.152,127.97 63.4%   
Bonus/Rights/Conversions ESOSOI-  
Avg Price / Income ratio x0.70.5 141.8%   
Avg P/E ratio x12.529.0 43.1%  
Avg P/CF ratio x5.31.6 336.7%  
Avg Price/Bookvalue ratio x1.10.6 187.5%  
Dividend payout %26.40-   
Avg Mkt Cap Rs m38,412246,206 15.6%   
No. of employees `0007.873.9 10.6%   
Total wages & salary Rs m6,33754,823 11.6%   
Avg. income/employee Rs Th6,755.66,501.5 103.9%   
Avg. wages/employee Rs Th809.8741.7 109.2%   
Avg. net profit/employee Rs Th392.6114.9 341.8%   
INCOME DATA
Interest income Rs m52,862480,581 11.0%  
Other income Rs m4,97191,676 5.4%   
Interest expense Rs m39,200327,223 12.0%   
Net interest income Rs m13,662153,358 8.9%  
Operating expense Rs m9,81395,236 10.3%   
Gross profit Rs m3,84958,122 6.6%  
Gross profit margin %7.312.1 60.2%  
Provisions/contingencies Rs m4,141147,176 2.8%   
Profit before tax Rs m4,68015,401 30.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-520 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,6086,390 25.2%   
Profit after tax Rs m3,0728,492 36.2%  
Net profit margin %5.81.8 328.9%  
BALANCE SHEET DATA
Advances Rs m373,9164,242,305 8.8%   
Deposits Rs m519,1256,296,509 8.2%  
Credit/Deposit ratio x72.067.4 106.9%  
Yield on advances %11.17.9 139.8%   
Cost of deposits %7.14.8 147.4%   
Net Interest Margin %2.42.2 109.2%  
Net fixed assets Rs m4,79162,978 7.6%   
Share capital Rs m1,3504,256 31.7%   
Free reserves Rs m23,794305,883 7.8%   
Net worth Rs m35,918431,649 8.3%   
Borrowings Rs m22,325433,360 5.2%   
Investments Rs m167,1721,915,272 8.7%   
Total assets Rs m591,1637,333,109 8.1%  
Debt/equity ratio x15.115.6 96.7%   
Return on assets %0.50.1 448.8%  
Return on equity %8.62.0 434.8%  
Capital adequacy ratio %12.112.4 97.3%  
Net NPAs %1.07.8 12.3%  
CASH FLOW
From Operations Rs m6,870219,380 3.1%  
From Investments Rs m-1,7261,588 -108.7%  
From Financial Activity Rs m-1,372-97,671 1.4%  
Net Cashflow Rs m3,772123,297 3.1%  

Share Holding

Indian Promoters % 0.0 58.9 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 12.0 18.7 64.2%  
FIIs % 41.7 17.2 242.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 46.3 5.3 873.6%  
Shareholders   247,922 215,441 115.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare SOUTH IND.BANK With:   ANDHRA BANK  SYNDICATE BANK  ICICI BANK  CANARA BANK  AXIS BANK  

Compare SOUTH IND.BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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