Nifty
Sensex
:
:
10799.65
36674.52
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Bank - Public

Rating :
32/99   (View)

BSE: 532461 | NSE: PNB

36.80
-0.30 (-0.81%)
07-Jul-2020 | 3:59PM
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  • 37.30
  • 37.35
  • 36.10
  • 37.10
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  33770528
  •  12427.55
  •  77.95
  •  26.30

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 34,866.38
  • 79.52
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 49,356.03
  • 0.18%
  • 0.80

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 83.19%
  • 0.71%
  • 5.67%
  • FII
  • DII
  • Others
  • 2.18%
  • 7.73%
  • 0.52%

Chart

Price | P:E | P:BV | EV:EBITDA

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 7.22
  • 0.14
  • 4.48

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • 66.49
  • 24.42

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • -

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 4.57
  • -
  • -

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.72
  • 0.67
  • 0.69

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.86
  • 5.27
  • 4.30

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 20
Mar 19
Var%
Dec 19
Dec 18
Var%
Sep 19
Sep 18
Var%
Jun 19
Jun 18
Var%
Interest Earned
14,206
13,074
9%
13,835
13,254
4%
13,551
12,523
8%
13,327
13,296
0%
Interest Exp.
9,360
8,775
7%
9,367
8,875
6%
9,183
8,475
8%
9,087
8,530
7%
Net Interest Income
4,846
4,298
13%
4,468
4,380
2%
4,368
4,048
8%
4,240
4,766
-11%
NIM
0
0
0
0
0
0
0
0
0
0
0
0
Other Income
2,618
1,889
39%
2,376
1,851
28%
2,293
1,696
35%
2,100
1,932
9%
Total Income
16,824
14,963
12%
16,211
15,105
7%
15,844
14,219
11%
15,427
15,228
1%
Operating Exp.
3,330
3,270
2%
3,043
3,045
0%
3,006
2,879
4%
2,772
2,495
11%
Operating Profit
4,134
2,917
42%
3,802
3,185
19%
3,655
2,865
28%
3,568
4,203
-15%
Provision
4,977
10,077
-51%
4,186
2,824
48%
3,094
9,822
-69%
2,075
5,811
-64%
PBT
-843
-7,160
-
-384
361
-
561
-6,957
-
1,493
-1,608
-
PBTM
-6
-55
-
-3
3
-
4
-56
-
11
-12
-
TAX
-246
-2,445
-
118
111
7%
131
-2,383
-
460
-621
-
PAT
-597
-4,715
-
-502
250
-
430
-4,574
-
1,032
-987
-
PATM
-4%
-36%
-4%
2%
3%
-37%
8%
-7%
EPS
-0.89
-7.00
-
-0.74
0.37
-
0.64
-6.79
-
1.53
-1.46
-
Gross NPA
0
0
0
0
0
0
0
0
0
0
0
0
Gross NPA%
0
0
0
0
0
0
0
0
0
0
0
0
Net NPA
0
0
0
0
0
0
0
0
0
0
0
0
Net NPA%
0
0
0
0
0
0
0
0
0
0
0
0
CASA
0
0
0
0
0
0
0
0
0
0
0
0

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Net Interest Income
17,921
17,491
15,194
15,336
16,473
17,367
16,738
15,268
13,706
12,045
8,708
Interest Earned
54,918
52,147
48,725
48,058
50,804
48,710
44,958
43,071
37,495
27,551
21,938
Interest Expended
36,997
34,656
33,530
32,722
34,331
31,343
28,220
27,802
23,789
15,507
13,230
Int. income Growth
2%
15%
-1%
-7%
-5%
4%
10%
11%
14%
38%
 
Other Income
9,388
7,367
8,883
9,168
6,100
6,175
4,710
4,310
4,240
3,655
3,498
Total Income
64,306
24,859
24,078
24,503
22,573
23,541
21,448
19,578
17,945
15,700
12,206
Total Expenditure
12,150
39,645
43,345
22,533
27,453
18,760
16,112
12,456
10,472
8,741
6,034
Employee Cost
-
7,048
9,242
5,482
6,564
7,469
6,616
5,751
4,775
4,494
3,141
% Of Sales
-
14%
19%
11%
13%
15%
15%
13%
13%
16%
14%
Opt. & Establishment Exp.
-
5,226
4,981
4,472
4,199
3,724
3,332
2,921
2,649
2,220
1,910
% Of Sales
-
10%
10%
9%
8%
8%
7%
7%
7%
8%
9%
Provisions
-
28,540
30,284
13,440
17,516
8,335
6,897
4,454
3,652
2,556
1,437
% Of Sales
-
55%
62%
28%
34%
17%
15%
10%
10%
9%
7%
EBITDA
15,158
-14,786
-19,268
1,971
-4,880
4,781
5,336
7,122
7,473
6,959
6,172
EBITDA Margin
78%
-85%
-127%
13%
-30%
28%
32%
47%
55%
58%
71%
Depreciation
0
584
581
430
413
384
367
336
302
265
227
PBT
827
-15,370
-19,849
1,540
-5,293
4,397
4,969
6,786
7,171
6,694
5,945
Exceptional Inc./Exp.
-
0
0
0
0
0
0
0
0
0
0
Provision for Tax
464
-5,344
-7,264
639
-1,630
1,056
1,435
1,859
2,196
2,179
2,054
Tax Rate
56%
35%
37%
41%
31%
24%
29%
27%
31%
33%
35%
PAT
317
-10,046
-12,586
849
-3,843
3,216
3,478
4,862
4,948
4,494
3,874
PAT before Minority Interest
363
-10,026
-12,584
901
-3,663
3,341
3,535
4,927
4,975
4,516
3,890
Minority Interest
-46
-20
-2
-52
-180
-126
-57
-65
-27
-22
-16
PAT Margin
1%
-40%
-52%
3%
-17%
14%
16%
25%
28%
29%
32%
PAT Growth
-104%
0
-1,582%
0
-220%
-8%
-28%
-2%
10%
16%
 
EPS
0.54
-14.91
-18.68
1.26
-5.70
4.77
5.16
7.22
7.34
6.67
5.75

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Shareholder's Funds
45,198
41,517
43,415
41,804
42,039
38,093
34,469
29,204
22,615
18,703
Share Capital
921
552
426
393
371
362
353
339
317
315
Total Reserves
44,277
40,965
42,990
41,412
41,669
37,731
34,116
28,865
22,298
18,387
Minority Interest
321
309
781
729
549
423
366
331
301
227
Deposits
6,81,874
6,48,439
6,29,651
5,70,383
5,15,245
4,61,204
3,99,000
3,84,408
3,16,232
2,51,458
Borrowings
46,828
65,330
43,336
81,674
59,205
59,033
47,090
42,645
34,638
22,763
Other Liabilities & Provisions
15,046
21,934
16,128
18,204
18,973
16,067
15,722
13,856
12,497
10,419
Total Liabilities
7,89,266
7,77,528
7,33,311
7,12,793
6,36,011
5,74,820
4,96,648
4,70,445
3,86,284
3,03,569
Net Block
6,248
6,371
6,298
5,308
3,656
3,490
3,422
3,242
3,150
2,531
Gross Block
10,976
10,671
10,072
8,754
6,887
6,378
5,998
5,515
5,201
4,375
Accumulated Depreciation
4,728
4,300
3,775
3,446
3,232
2,888
2,576
2,273
2,050
1,843
Total Non-Current Assets
7,55,683
7,47,104
7,13,434
6,95,567
6,23,291
5,65,654
4,86,579
4,60,503
3,77,900
2,97,147
Lease Adjustment A/c
0
0
0
0
0
0
0
-25
0
0
Capital Work in Progress
0
0
0
0
0
0
0
0
0
0
Cash and balance with RBI
32,338
29,029
25,410
26,492
24,436
22,406
17,930
18,508
23,791
18,335
Balance with banks and money at call
44,958
68,459
65,969
52,557
33,823
24,460
10,204
11,612
6,300
5,916
Investments
2,09,723
2,04,419
1,91,527
1,65,126
1,56,762
1,49,225
1,34,734
1,25,820
96,911
79,254
Advances
4,62,416
4,38,826
4,24,230
4,46,083
4,04,614
3,66,073
3,20,289
3,01,347
2,47,747
1,91,111
Other Assets
33,583
30,424
19,876
17,226
12,720
9,166
10,069
9,942
8,384
6,423
Total Assets
7,89,266
7,77,528
7,33,311
7,12,793
6,36,011
5,74,820
4,96,648
4,70,445
3,86,284
3,03,569
Contingent Liabilities
3,07,896
3,08,790
3,38,851
3,39,168
2,82,956
2,21,674
2,18,911
2,12,422
1,27,611
92,789
Bills for collection
27,866
27,898
25,806
23,256
19,641
20,326
17,531
16,323
11,982
9,530
Adjusted Book Value
90
137
186
198
219
203
187
164
133
109

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Cash From Operating Activity
-34,158
-1,742
21,938
14,167
4,814
16,906
-692
-25
7,361
1,774
PBT
-14,888
-19,373
1,878
-5,114
4,596
5,109
6,879
7,249
6,775
6,043
Adjustment
28,696
27,678
15,392
20,471
9,967
8,203
5,638
5,400
3,797
2,527
Adjustments for Liabilities & Assets
-47,525
-8,265
6,085
381
-7,193
5,320
-11,606
-10,193
-1,695
-4,274
Refund/(Payment) of direct taxes
-440
-1,782
-1,417
-1,572
-2,556
-1,725
-1,603
-2,481
-1,516
-2,521
Other Direct Payments
0
0
0
0
0
0
0
0
0
0
Cash From Investing Activity
225
392
159
-1,352
-872
-302
-600
-397
-912
-174
Net Fixed Assets
-262
-598
-1,435
-1,890
-462
-359
-456
-301
-787
-304
Other Investment Activity
-10,495
-10,466
-11,379
-9,465
-7,005
-6,841
-6,279
-6,338
-5,299
-4,641
Cash from Financing Activity
13,741
7,460
-9,767
5,975
7,451
2,129
-694
451
-608
626
Closing Cash & Equivalent
77,296
97,488
91,379
77,049
58,259
46,866
28,133
30,120
30,091
24,251
Net Cash Inflow / Outflow
-20,192
6,109
12,330
18,790
11,393
18,733
-1,987
29
5,841
2,226
Opening Cash & Equivalents
97,488
91,379
79,049
58,259
46,866
28,133
30,120
30,091
24,251
22,025

Financial Ratios

Consolidated /

Standalone
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Book Value
90
137
186
198
219
203
187
164
133
109
NIM
2
2
2
2
3
3
3
3
3
3
Yield on Advances
11
11
11
11
12
12
13
12
11
11
Yield on Investments
7
8
8
8
8
8
8
7
6
7
Cost of Liabilities
5
5
5
5
5
5
6
6
4
5
Interest Spread
7
6
6
6
7
7
7
7
7
7
ROCE
-13%
-17%
4%
-1%
8%
9%
12%
15%
17%
19%
Cost Income Ratio
47
57
39
46
46
45
43
40
41
40
Core Cost Income Ratio
49
66
44
48
48
46
44
40
42
42
Operating Costs to Assets
1
2
1
1
2
2
2
2
2
2
Loans/Deposits
0
0
0
0
0
0
0
0
0
0
Cash/Deposits
0
0
0
0
0
0
0
0
0
0
Investment/Deposits
0
0
0
0
0
0
0
0
0
0
Inc Loan/Deposits
7%
10%
7%
14%
11%
13%
12%
11%
11%
9%
Credit Deposits
68%
68%
67%
78%
79%
79%
80%
78%
78%
76%
Interest Expended / Interest earned
66%
69%
68%
68%
64%
63%
65%
63%
56%
60%
Interest income / Total funds
7%
6%
7%
7%
8%
8%
9%
8%
7%
7%
Interest Expended / Total funds
4%
4%
4%
5%
5%
5%
6%
5%
4%
4%
CASA
42%
41%
42%
37%
36%
38%
39%
35%
38%
41%

News Update


  • PNB planning to raise capital through mix of both equity, debt
    7th Jul 2020, 12:27 PM

    Besides, the board will clear opening balance sheet of the amalgamated bank as on April 1

    Read More
  • PNB sanctions Rs 8,690 crore loans in 4,04,675 accounts under ECLGS
    7th Jul 2020, 09:37 AM

    Of the sanctioned amount, the lender has already disbursed Rs 2,595 crore of loans in 79,029 accounts so far

    Read More
  • PNB sanctions loans to about 3 lakh MSMEs under credit guarantee scheme
    29th Jun 2020, 09:16 AM

    The bank reiterated its commitment towards the MSME sector, which has been the engine of economic growth and promoting equitable development

    Read More
  • PNB looking to complete technology integration of OBC, United Bank of India by end of FY21
    24th Jun 2020, 13:31 PM

    The merger of Oriental Bank of Commerce and United Bank of India with Punjab National Bank became effective from April 1

    Read More
  • Punjab National Bank’s consolidated net loss narrows to Rs 820 crore in Q4
    22nd Jun 2020, 11:26 AM

    Total consolidated income of the bank increased by 12.44% at Rs 16824.20 crore for Q4FY20

    Read More
  • Punjab National Bank planning to hit capital markets in Q4
    22nd Jun 2020, 11:12 AM

    At the moment, the bank is sufficiently capitalised with the capital adequacy ratio of 14.14 per cent at the end of March 2020

    Read More
  • Moody's affirms PNB’s long-term local, foreign currency deposit rating
    4th Jun 2020, 13:42 PM

    The rating outlook has been changed to stable from positive

    Read More
  • Punjab National Bank unveils new logo ahead of merger
    31st Mar 2020, 10:41 AM

    The new logo will bear distinct signages of all the three public sector lenders

    Read More

Source: www.accordfintech.com. Price feed provided by www.nseindia.com and www.bseindia.com value addition by www.accordfintech.com. Intraday data delayed 15 minutes.

DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.