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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 6.9 -1.1 - View Chart
P/BV x 0.3 0.3 108.1% View Chart
Dividend Yield % 2.0 0.0 -  

Financials

 SOUTH IND.BANK   PNB
EQUITY SHARE DATA
    SOUTH IND.BANK
Mar-19
PNB
Mar-19
SOUTH IND.BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs27105 26.0%   
Low Rs1360 20.9%   
Income per share (Unadj.) Rs38.0113.3 33.5%  
Earnings per share (Unadj.) Rs1.4-21.8 -6.3%  
Cash flow per share (Unadj.) Rs5.7-53.9 -10.5%  
Dividends per share (Unadj.) Rs0.250-  
Avg Dividend yield %1.30-  
Book value per share (Unadj.) Rs29.598.9 29.8%  
Shares outstanding (eoy) m1,809.684,604.05 39.3%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x0.50.7 72.1%   
Avg P/E ratio x14.6-3.8 -385.0%  
Avg P/CF ratio x3.33.4 95.5%  
Avg Price/Bookvalue ratio x0.70.8 81.1%  
Dividend payout %18.30-   
Avg Mkt Cap Rs m36,103379,834 9.5%   
No. of employees `0008.470.8 11.9%   
Total wages & salary Rs m8,21470,475 11.7%   
Avg. income/employee Rs Th8,147.57,364.4 110.6%   
Avg. wages/employee Rs Th973.3995.3 97.8%   
Avg. net profit/employee Rs Th293.3-1,416.0 -20.7%   
INCOME DATA
Interest income Rs m68,765521,471 13.2%  
Other income Rs m7,26273,674 9.9%   
Interest expense Rs m48,568346,557 14.0%   
Net interest income Rs m20,197174,915 11.5%  
Operating expense Rs m15,069116,893 12.9%   
Gross profit Rs m5,12858,022 8.8%  
Gross profit margin %7.511.1 67.0%  
Provisions/contingencies Rs m8,585211,381 4.1%   
Profit before tax Rs m3,805-149,085 -2.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-4,563 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,330-53,384 -2.5%   
Profit after tax Rs m2,475-100,264 -2.5%  
Net profit margin %3.6-19.2 -18.7%  
BALANCE SHEET DATA
Advances Rs m626,9374,624,162 13.6%   
Deposits Rs m804,2016,818,742 11.8%  
Credit/Deposit ratio x78.067.8 115.0%  
Yield on advances %8.67.7 112.4%   
Cost of deposits %5.74.7 119.4%   
Net Interest Margin %2.32.3 99.9%  
Net fixed assets Rs m7,08762,476 11.3%   
Share capital Rs m1,8109,208 19.7%   
Free reserves Rs m51,544445,973 11.6%   
Net worth Rs m53,353455,181 11.7%   
Borrowings Rs m49,032468,280 10.5%   
Investments Rs m190,8142,097,230 9.1%   
Total assets Rs m922,7927,892,658 11.7%  
Debt/equity ratio x16.016.0 99.9%   
Return on assets %0.3-1.3 -21.1%  
Return on equity %4.6-22.0 -21.1%  
Capital adequacy ratio %12.69.7 129.6%  
Net NPAs %3.56.6 52.6%  
CASH FLOW
From Operations Rs m16,779-341,580 -4.9%  
From Investments Rs m-11,7452,248 -522.5%  
From Financial Activity Rs m983137,410 0.7%  
Net Cashflow Rs m6,017-201,922 -3.0%  

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:   SBI  ORIENTAL BANK  KARNATAKA BANK  DENA BANK  YES BANK  

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



Today's Market

Yes Bank's Road Ahead(Podcast)

The stock markets witnessed selling pressure in the week gone by. Market participants remained cautious tracking tepid quarterly earnings amid weak cues.

Related Views on News

PNB Announces Quarterly Results (4QFY19); Net Profit Up 64.6% (Quarterly Result Update)

May 30, 2019 | Updated on May 30, 2019

For 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.

SOUTH IND.BANK Announces Quarterly Results (4QFY19); Net Profit Down 38.2% (Quarterly Result Update)

May 10, 2019 | Updated on May 10, 2019

For the quarter ended March 2019, SOUTH IND.BANK has posted a net profit of Rs 705 m (down 38.2% YoY). Sales on the other hand came in at Rs 18 bn (up 12.7% YoY). Read on for a complete analysis of SOUTH IND.BANK's quarterly results.

PNB Announces Quarterly Results (3QFY19); Net Profit Down 1189.6% (Quarterly Result Update)

Feb 13, 2019 | Updated on Feb 13, 2019

For 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.

SOUTH IND.BANK Announces Quarterly Results (3QFY19); Net Profit Down 27.1% (Quarterly Result Update)

Jan 21, 2019 | Updated on Jan 21, 2019

For the quarter ended December 2018, SOUTH IND.BANK has posted a net profit of Rs 838 m (down 27.1% YoY). Sales on the other hand came in at Rs 17 bn (up 10.0% YoY). Read on for a complete analysis of SOUTH IND.BANK's quarterly results.

PNB Announces Quarterly Results (2QFY19); Net Profit Down 908.5% (Quarterly Result Update)

Nov 5, 2018 | Updated on Nov 5, 2018

For the quarter ended September 2018, PNB has posted a net profit of Rs 45 bn (down 908.5% YoY). Sales on the other hand came in at Rs 123 bn (up 0.2% YoY). Read on for a complete analysis of PNB's quarterly results.

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