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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 0.7 -13.3 - View Chart
P/BV x 0.0 0.1 25.6% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   PNB
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
PNB
Mar-19
UNITED BANK OF INDIA/
PNB
5-Yr Chart
Click to enlarge
High Rs15105 14.1%   
Low Rs960 15.2%   
Income per share (Unadj.) Rs11.5113.3 10.2%  
Earnings per share (Unadj.) Rs-3.1-21.8 14.3%  
Cash flow per share (Unadj.) Rs-10.3-53.9 19.0%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs15.598.9 15.7%  
Shares outstanding (eoy) m7,427.924,604.05 161.3%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x1.00.7 142.4%   
Avg P/E ratio x-3.8-3.8 101.2%  
Avg P/CF ratio x2.43.4 70.6%  
Avg Price/Bookvalue ratio x0.80.8 92.5%  
Dividend payout %00-   
Avg Mkt Cap Rs m88,764379,834 23.4%   
No. of employees `00014.370.8 20.2%   
Total wages & salary Rs m19,54570,475 27.7%   
Avg. income/employee Rs Th5,987.67,364.4 81.3%   
Avg. wages/employee Rs Th1,367.2995.3 137.4%   
Avg. net profit/employee Rs Th-1,620.0-1,416.0 114.4%   
INCOME DATA
Interest income Rs m85,599521,471 16.4%  
Other income Rs m23,84673,674 32.4%   
Interest expense Rs m65,853346,557 19.0%   
Net interest income Rs m19,746174,915 11.3%  
Operating expense Rs m29,476116,893 25.2%   
Gross profit Rs m-9,73058,022 -16.8%  
Gross profit margin %-11.411.1 -102.2%  
Provisions/contingencies Rs m59,925211,381 28.3%   
Profit before tax Rs m-45,809-149,085 30.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-4,563 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-22,650-53,384 42.4%   
Profit after tax Rs m-23,159-100,264 23.1%  
Net profit margin %-27.1-19.2 140.7%  
BALANCE SHEET DATA
Advances Rs m669,5514,624,162 14.5%   
Deposits Rs m1,349,8336,818,742 19.8%  
Credit/Deposit ratio x49.667.8 73.1%  
Yield on advances %7.67.7 98.7%   
Cost of deposits %4.74.7 98.8%   
Net Interest Margin %1.42.3 61.5%  
Net fixed assets Rs m12,40162,476 19.8%   
Share capital Rs m74,2799,208 806.7%   
Free reserves Rs m40,710445,973 9.1%   
Net worth Rs m114,989455,181 25.3%   
Borrowings Rs m22,037468,280 4.7%   
Investments Rs m609,7602,097,230 29.1%   
Total assets Rs m1,515,2997,892,658 19.2%  
Debt/equity ratio x11.916.0 74.5%   
Return on assets %-1.5-1.3 120.3%  
Return on equity %-20.1-22.0 91.4%  
Capital adequacy ratio %13.09.7 133.6%  
Net NPAs %8.76.6 132.2%  
CASH FLOW
From Operations Rs m-150,737-341,580 44.1%  
From Investments Rs m-7322,248 -32.6%  
From Financial Activity Rs m45,761137,410 33.3%  
Net Cashflow Rs m-105,708-201,922 52.4%  

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:   BANDHAN BANK  DCB BANK  VIJAYA BANK  ORIENTAL BANK  KARNATAKA BANK  

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



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Mar 20, 2020 (Close)

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