PNB Vs BOB

Hi I want to invest my money in a bank so I want the financial comparison between the Punjab National Bank and the Bank of Baroda so can you help me???

[sumit]

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

Bank of Baroda (BoB) is among the top banks in the country with a 6.8% share of the total non-food disbursals at the end of FY12.

Financial Comparison

Equity Share Data PNB Bank Of Baroda Mar-16 Mar-16

High Rs 167 216

Low Rs 71 109

Income per share (Unadj.) Rs 258.7 197.6

Earnings per share (Unadj.) Rs -19.6 -21.9

Cash flow per share (Unadj.) Rs -60.5 -52.8

Dividends per share (Unadj.) Rs 0 0 -

Avg Dividend yield % 0 0 -

Book value per share (Unadj.) Rs 212.9 183.4

Shares outstanding (eoy) m 1,963.60 2,317.83

Bonus/Rights/Conversions PI OI

Avg Price / Income ratio x 0.5 0.8

Avg P/E ratio x -6.1 -7.4

Avg P/CF ratio x 1.8 3.5

Avg Price/Bookvalue ratio x 0.6 0.9

Dividend payout % 0 0

Avg Mkt Cap Rs m 233,865 377,517

No. of employees `000 70.8 52.0

Total wages & salary Rs m 65,645 52,010

Avg. income/employee Rs Th 7,175.6 8,803.9

Avg. wages/employee Rs Th 927.2 999.8

Avg. net profit/employee Rs Th -542.8 -974.2

Income Data

Interest income Rs m 508,039

Other income Rs m 69,766

Interest expense Rs m 343,306

Net interest income Rs m 164,733

Operating expense Rs m 103,499

Gross profit Rs m 61,234

Gross profit margin % 12.1

Provisions/contingencies Rs m 167,633

Profit before tax Rs m -52,931

Extraordinary Inc (Exp) Rs m 0

Minority Interest Rs m -1,797