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Compare United Bank of India with PNB - Equitymaster

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UNITED BANK OF INDIA 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

    UNITED BANK OF INDIA PNB UNITED BANK OF INDIA/
PNB
 
P/E (TTM) x -0.2 -1.3 - View Chart
P/BV x 0.1 0.4 38.8% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   PNB
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
PNB
Mar-17
UNITED BANK OF INDIA/
PNB
5-Yr Chart
Click to enlarge
High Rs32159 19.9%   
Low Rs1772 23.3%   
Income per share (Unadj.) Rs118.4225.8 52.4%  
Earnings per share (Unadj.) Rs-3.44.0 -84.2%  
Cash flow per share (Unadj.) Rs-15.5-17.4 88.7%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs69.6202.8 34.3%  
Shares outstanding (eoy) m839.512,127.97 39.5%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.20.5 40.0%   
Avg P/E ratio x-7.229.0 -24.9%  
Avg P/CF ratio x0.91.6 57.4%  
Avg Price/Bookvalue ratio x0.30.6 61.1%  
Dividend payout %00-   
Avg Mkt Cap Rs m20,358246,206 8.3%   
No. of employees `00015.073.9 20.3%   
Total wages & salary Rs m10,97454,823 20.0%   
Avg. income/employee Rs Th6,632.86,501.5 102.0%   
Avg. wages/employee Rs Th732.5741.7 98.8%   
Avg. net profit/employee Rs Th-188.2114.9 -163.8%   
INCOME DATA
Interest income Rs m99,367480,581 20.7%  
Other income Rs m14,67591,676 16.0%   
Interest expense Rs m76,561327,223 23.4%   
Net interest income Rs m22,806153,358 14.9%  
Operating expense Rs m19,36395,236 20.3%   
Gross profit Rs m3,44358,122 5.9%  
Gross profit margin %3.512.1 28.6%  
Provisions/contingencies Rs m25,228147,176 17.1%   
Profit before tax Rs m-7,11015,401 -46.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-520 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-4,2906,390 -67.1%   
Profit after tax Rs m-2,8208,492 -33.2%  
Net profit margin %-2.81.8 -160.6%  
BALANCE SHEET DATA
Advances Rs m680,6024,242,305 16.0%   
Deposits Rs m1,164,0136,296,509 18.5%  
Credit/Deposit ratio x58.567.4 86.8%  
Yield on advances %9.77.9 122.6%   
Cost of deposits %6.24.8 128.9%   
Net Interest Margin %1.92.2 86.8%  
Net fixed assets Rs m12,10962,978 19.2%   
Share capital Rs m8,3954,256 197.3%   
Free reserves Rs m17,690305,883 5.8%   
Net worth Rs m58,392431,649 13.5%   
Borrowings Rs m29,125433,360 6.7%   
Investments Rs m447,2341,915,272 23.4%   
Total assets Rs m1,294,3187,333,109 17.7%  
Debt/equity ratio x20.415.6 131.1%   
Return on assets %-0.20.1 -188.1%  
Return on equity %-4.82.0 -245.5%  
Capital adequacy ratio %10.512.4 84.4%  
Net NPAs %9.07.8 115.7%  
CASH FLOW
From Operations Rs m24,276219,380 11.1%  
From Investments Rs m-8961,588 -56.5%  
From Financial Activity Rs m-429-97,671 0.4%  
Net Cashflow Rs m22,951123,297 18.6%  

Share Holding

Indian Promoters % 88.0 58.9 149.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 18.7 27.8%  
FIIs % 0.3 17.2 1.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 5.3 122.6%  
Shareholders   78,272 215,441 36.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   AXIS BANK  INDUSIND BANK  ING VYSYA BANK  VIJAYA BANK  DHANLAXMI BANK  

Compare UNITED BANK OF INDIA With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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May 25, 2018 (Close)

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