Nifty
Sensex
:
:
12086.70
41009.71
114.90(0.96%)
428.00(1.05%)

Bank - Public

Rating :
49/99   (View)

BSE: 532461 | NSE: PNB

64.45
3.65 (6.00%)
13-Dec-2019 | 3:54PM
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  • 61.25
  • 64.65
  • 61.10
  • 60.80
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  29859014
  •  19244.13
  •  99.90
  •  55.70

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 43,423.61
  • N/A
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 57,913.26
  • 0.10%
  • 0.68

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 75.41%
  • 0.77%
  • 7.65%
  • FII
  • DII
  • Others
  • 0.15%
  • 12.08%
  • 3.94%

Chart

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

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 7.30
  • 0.72
  • 4.59

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • 63.69
  • 26.77

PAT CAGR (%)

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

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.59
  • -
  • -

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.77
  • 0.71
  • 0.74

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.40
  • 4.99
  • 4.21

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated
Description
Sep 19
Sep 18
Var%
Jun 19
Jun 18
Var%
Mar 19
Mar 18
Var%
Dec 18
Dec 17
Var%
Interest Earned
13,550.56
0.00
0.00
13,326.97
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest Exp.
9,182.84
0.00
0.00
9,087.35
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Interest Income
4,367.72
0.00
0.00
4,239.62
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
NIM
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Income
2,293.21
0.00
0.00
2,099.96
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total Income
15,843.76
0.00
0.00
15,426.93
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Operating Exp.
3,006.01
0.00
0.00
2,771.82
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Operating Profit
3,654.91
0.00
0.00
3,567.76
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provision
3,093.56
0.00
0.00
2,075.11
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PBT
561.35
0.00
0.00
1,492.65
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PBTM
4.14
0.00
0.00
11.20
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
TAX
131.32
0.00
0.00
460.42
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT
430.03
0.00
0.00
1,032.23
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PATM
3.17%
0.00%
7.75%
0.00%
0.00%
0.00%
0.00%
0.00%
EPS
1.24
0.00
0.00
2.33
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross NPA
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross NPA%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net NPA
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net NPA%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
CASA
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

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
-
17,491.48
15,194.46
15,335.77
16,473.28
17,366.77
16,737.82
15,268.17
13,705.91
12,044.56
8,707.56
Interest Earned
-
52,147.14
48,724.85
48,058.08
50,803.87
48,709.82
44,958.09
43,070.60
37,495.40
27,551.24
21,937.57
Interest Expended
-
34,655.66
33,530.39
32,722.31
34,330.59
31,343.05
28,220.27
27,802.43
23,789.49
15,506.68
13,230.01
Int. income Growth
-
15.12%
-0.92%
-6.91%
-5.14%
3.76%
9.63%
11.40%
13.79%
38.32%
 
Other Income
-
7,367.38
8,883.34
9,167.58
6,099.63
6,174.60
4,710.34
4,309.55
4,239.51
3,655.36
3,498.17
Total Income
-
24,858.86
24,077.80
24,503.35
22,572.91
23,541.37
21,448.16
19,577.72
17,945.42
15,699.92
12,205.73
Total Expenditure
-
39,645.16
43,345.47
22,532.81
27,452.88
18,760.30
16,112.09
12,455.72
10,472.36
8,741.13
6,033.99
Employee Cost
-
7,047.54
9,242.37
5,482.33
6,564.49
7,469.12
6,616.39
5,751.48
4,775.14
4,493.93
3,141.29
% Of Sales
-
13.51%
18.97%
11.41%
12.92%
15.33%
14.72%
13.35%
12.74%
16.31%
14.32%
Opt. & Establishment Exp.
-
5,225.73
4,981.25
4,471.66
4,198.54
3,723.86
3,331.72
2,921.33
2,648.54
2,220.33
1,909.79
% Of Sales
-
10.02%
10.22%
9.30%
8.26%
7.64%
7.41%
6.78%
7.06%
8.06%
8.71%
Provisions
-
28,539.91
30,283.91
13,439.70
17,516.15
8,335.30
6,897.22
4,453.93
3,652.22
2,556.05
1,437.25
% Of Sales
-
54.73%
62.15%
27.97%
34.48%
17.11%
15.34%
10.34%
9.74%
9.28%
6.55%
EBITDA
-
-14,786.30
-19,267.67
1,970.54
-4,879.97
4,781.07
5,336.07
7,122.00
7,473.06
6,958.79
6,171.74
EBITDA Margin
-
-84.53%
-126.81%
12.85%
-29.62%
27.53%
31.88%
46.65%
54.52%
57.78%
70.88%
Depreciation
-
584.01
581.03
430.44
413.15
383.99
366.62
335.51
301.77
264.59
227.17
PBT
-
-15,370.31
-19,848.70
1,540.10
-5,293.12
4,397.08
4,969.45
6,786.49
7,171.29
6,694.20
5,944.57
Exceptional Inc./Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provision for Tax
-
-5,343.90
-7,264.36
638.97
-1,629.85
1,055.67
1,434.84
1,859.23
2,196.48
2,178.61
2,054.18
Tax Rate
-
34.77%
36.60%
41.49%
30.79%
24.01%
28.87%
27.40%
30.63%
32.54%
34.56%
PAT
-
-10,046.50
-12,586.44
849.15
-3,842.96
3,215.57
3,477.77
4,861.87
4,947.78
4,493.68
3,874.48
PAT before Minority Interest
-
-10,026.41
-12,584.34
901.13
-3,663.27
3,341.41
3,534.61
4,927.26
4,974.81
4,515.59
3,890.39
Minority Interest
-
-20.09
-2.10
-51.98
-179.69
-125.84
-56.84
-65.39
-27.03
-21.91
-15.91
PAT Margin
-
-40.41%
-52.27%
3.47%
-17.02%
13.66%
16.21%
24.83%
27.57%
28.62%
31.74%
PAT Growth
-
0
-1582.24%
0
-219.51%
-7.54%
-28.47%
-1.74%
10.11%
15.98%
 
Unadjusted EPS
-
-29.68
-54.63
5.78
-20.38
18.78
20.32
140.17
148.17
145.08
125.99

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
45,197.51
41,517.30
43,415.34
41,804.25
42,039.44
38,093.22
34,469.03
29,203.84
22,614.66
18,702.74
Share Capital
920.81
552.11
425.59
392.72
370.91
362.07
353.47
339.18
316.81
315.30
Total Reserves
44,276.70
40,965.19
42,989.75
41,411.53
41,668.53
37,731.15
34,115.56
28,864.66
22,297.85
18,387.44
Minority Interest
320.62
308.53
780.63
728.65
548.95
423.11
366.29
331.42
301.29
227.06
Deposits
681,874.18
648,439.01
629,650.86
570,382.64
515,245.43
461,203.53
399,000.18
384,408.22
316,231.93
251,457.66
Borrowings
46,827.97
65,329.66
43,336.01
81,673.74
59,204.76
59,033.31
47,089.94
42,645.42
34,638.50
22,762.94
Other Liabilities & Provisions
15,045.51
21,933.57
16,128.07
18,203.68
18,972.59
16,067.31
15,722.36
13,856.49
12,497.43
10,419.02
Total Liabilities
789,265.79
777,528.07
733,310.91
712,792.96
636,011.17
574,820.48
496,647.80
470,445.39
386,283.81
303,569.42
Net Block
6,247.58
6,370.99
6,297.76
5,308.12
3,655.77
3,490.44
3,422.36
3,242.29
3,150.48
2,531.41
Gross Block
10,975.65
10,670.94
10,072.46
8,754.00
6,887.30
6,378.11
5,998.26
5,515.41
5,200.72
4,374.87
Accumulated Depreciation
4,728.07
4,299.95
3,774.70
3,445.88
3,231.53
2,887.67
2,575.90
2,273.12
2,050.24
1,843.46
Total Non-Current Assets
755,682.78
747,103.60
713,434.50
695,567.01
623,290.71
565,654.34
486,578.52
460,503.44
377,899.64
297,146.83
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-25.15
0.00
0.00
Capital Work in Progress
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash and balance with RBI
32,338.32
29,028.91
25,410.36
26,492.19
24,435.78
22,406.14
17,929.51
18,507.64
23,791.19
18,334.78
Balance with banks and money at call
44,957.65
68,459.24
65,968.73
52,557.19
33,823.44
24,459.85
10,203.52
11,612.25
6,300.11
5,915.91
Investments
209,723.00
204,418.68
191,527.16
165,126.48
156,761.66
149,224.70
134,733.99
125,819.89
96,911.28
79,253.88
Advances
462,416.23
438,825.78
424,230.49
446,083.03
404,614.06
366,073.21
320,289.14
301,346.52
247,746.58
191,110.85
Other Assets
33,583.01
30,424.47
19,876.41
17,225.95
12,720.46
9,166.14
10,069.28
9,941.95
8,384.17
6,422.59
Total Assets
789,265.79
777,528.07
733,310.91
712,792.96
636,011.17
574,820.48
496,647.80
470,445.39
386,283.81
303,569.42
Contingent Liabilities
307,895.89
308,790.20
338,851.04
339,168.05
282,956.16
221,673.88
218,910.70
212,421.74
127,611.28
92,789.21
Bills for collection
27,866.28
27,898.25
25,805.94
23,255.66
19,640.62
20,325.97
17,531.43
16,322.79
11,981.55
9,529.79
Adjusted Book Value
90.39
137.05
186.13
198.41
219.18
202.61
186.91
163.62
133.45
109.17

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
-34,157.97
-1,742.13
21,938.03
14,167.00
4,813.60
16,906.09
-692.47
-25.08
7,360.66
1,774.25
PBT
-14,888.37
-19,373.08
1,878.18
-5,113.64
4,596.27
5,108.75
6,878.83
7,248.97
6,775.25
6,042.66
Adjustment
28,696.03
27,678.15
15,392.31
20,471.45
9,966.59
8,202.58
5,637.95
5,400.47
3,797.08
2,526.54
Adjustments for Liabilities & Assets
-47,525.35
-8,265.22
6,084.88
380.70
-7,192.92
5,320.04
-11,606.18
-10,193.28
-1,695.22
-4,274.04
Refund/(Payment) of direct taxes
-440.28
-1,781.98
-1,417.34
-1,571.51
-2,556.34
-1,725.28
-1,603.07
-2,481.24
-1,516.45
-2,520.91
Other Direct Payments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
224.78
391.65
158.75
-1,351.51
-871.80
-302.00
-600.44
-397.04
-912.05
-174.34
Net Fixed Assets
-261.90
-597.67
-1434.59
-1889.94
-462.02
-359.17
-456.04
-301.42
-786.51
-303.96
Other Investment Activity
-10495.37
-10466.37
-11378.96
-9464.66
-7004.92
-6841.34
-6278.77
-6337.74
-5298.61
-4641.42
Cash from Financing Activity
13,741.01
7,459.54
-9,767.07
5,974.67
7,451.43
2,128.87
-693.95
450.71
-608.00
625.63
Closing Cash & Equivalent
77,295.97
97,488.15
91,379.09
77,049.38
58,259.22
46,865.99
28,133.03
30,119.89
30,091.30
24,250.69
Net Cash Inflow / Outflow
-20,192.18
6,109.06
12,329.71
18,790.16
11,393.23
18,732.96
-1,986.86
28.59
5,840.61
2,225.54
Opening Cash & Equivalents
97,488.15
91,379.09
79,049.38
58,259.22
46,865.99
28,133.03
30,119.89
30,091.30
24,250.69
22,025.15

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
90.39
137.05
186.13
198.41
219.18
202.61
186.92
163.62
133.45
109.17
NIM
2.33
2.05
2.17
2.39
2.80
2.98
3.16
3.00
3.21
2.96
Yield on Advances
11.28
11.10
11.33
11.39
12.04
12.28
13.45
12.44
11.12
11.48
Yield on Investments
7.48
8.43
8.05
8.19
7.76
7.51
7.70
6.80
6.21
6.76
Cost of Liabilities
4.76
4.70
4.86
5.26
5.46
5.42
6.23
5.57
4.42
4.82
Interest Spread
6.52
6.41
6.47
6.12
6.58
6.86
7.21
6.87
6.70
6.65
ROCE
-13.11%
-17.46%
3.92%
-1.39%
7.69%
8.53%
11.53%
14.61%
16.83%
19.21%
Cost Income Ratio
47.02
56.66
38.87
45.85
45.91
44.67
42.59
39.69
41.08
39.52
Core Cost Income Ratio
49.14
65.51
43.92
47.96
48.21
45.88
43.74
40.44
41.86
41.80
Operating Costs to Assets
1.48
1.75
1.30
1.45
1.70
1.67
1.68
1.51
1.67
1.59
Loans/Deposits
0.07
0.10
0.07
0.14
0.11
0.13
0.12
0.11
0.11
0.09
Cash/Deposits
0.05
0.04
0.04
0.05
0.05
0.05
0.04
0.05
0.08
0.07
Investment/Deposits
0.31
0.32
0.30
0.29
0.30
0.32
0.34
0.33
0.31
0.32
Inc Loan/Deposits
6.87%
10.07%
6.88%
14.32%
11.49%
12.80%
11.80%
11.09%
10.95%
9.05%
Credit Deposits
67.82%
67.67%
67.38%
78.21%
78.53%
79.37%
80.27%
78.39%
78.34%
76.00%
Interest Expended / Interest earned
66.46%
68.82%
68.09%
67.57%
64.35%
62.77%
64.55%
63.45%
56.28%
60.31%
Interest income / Total funds
6.61%
6.27%
6.55%
7.13%
7.66%
7.82%
8.67%
7.97%
7.13%
7.23%
Interest Expended / Total funds
4.39%
4.31%
4.46%
4.82%
4.93%
4.91%
5.60%
5.06%
4.01%
4.36%
CASA
42.15%
40.97%
41.66%
36.58%
36.03%
37.78%
38.65%
35.05%
38.20%
40.60%

News Update


  • Punjab National Bank gets Govt’s approval for proposed amalgamation
    19th Nov 2019, 10:17 AM

    The proposed amalgamation is of the Oriental Bank of Commerce and United Bank of India into Punjab National Bank

    Read More
  • Punjab National Bank turns black in Q2
    5th Nov 2019, 14:34 PM

    Total consolidated income of the bank increased by 11.43% at Rs 15843.76 crore for Q2FY20

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  • PNB - Quarterly Results
    5th Nov 2019, 13:44 PM

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  • Punjab National Bank receives Rs 13,091 crore of Capital Infusion
    30th Sep 2019, 10:33 AM

    The bank has received Capital Infusion towards contribution of Central Government in the preferential allotment of equity shares

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  • PNB gets nod to raise up to Rs 3,000 crore via Basel III compliant bonds
    27th Sep 2019, 11:21 AM

    The bank's board of directors at its meeting held on September 26, 2019 approved the same

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  • PNB launches Preventive Vigilance portal
    26th Sep 2019, 10:21 AM

    The PV portal will facilitate all staff members to contribute towards arresting procedural lapses and unhealthy practices

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  • PNB to raise up to Rs 3,000 crore via Basel III compliant bonds
    20th Sep 2019, 09:41 AM

    The bank's board of directors will meet on September 26 for approval to the fundraising proposal

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  • PNB, UBI, OBC form 23 working groups for overseeing amalgamation process
    12th Sep 2019, 10:52 AM

    These groups will be working on various banking aspects such as product, processes and human resources

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  • PNB puts NPA accounts for sale to recover dues of Rs 1,234 crore
    9th Sep 2019, 09:44 AM

    The sale is on 100 percent cash basis

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  • Punjab National Bank asks officials to help achieve doubling farmers' income by 2022
    6th Sep 2019, 11:41 AM

    The bank has asked its agriculture officers to close liaise with farmers of their areas to understand their needs, extend timely farm credit

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  • PNB’s board gives in-principle approval for merger with OBC, United Bank
    5th Sep 2019, 11:44 AM

    The Board has also approved the capital infusion of upto Rs 18,000 crore by Government of India for preferential allotment of equity shares of PNB

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  • Moody's upgrades PNB's outlook to positive
    5th Sep 2019, 09:34 AM

    It has also affirmed the local and foreign currency deposit ratings of PNB at Ba1/NP

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