Nifty
Sensex
:
:
14371.90
48878.54
-218.45(-1.50%)
-746.22(-1.50%)

Bank - Public

Rating :
42/99   (View)

BSE: 532461 | NSE: PNB

34.55
-1.10 (-3.09%)
22-Jan-2021 | 4:00PM
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  • 35.80
  • 36.05
  • 34.20
  • 35.65
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  133649890
  •  46176.04
  •  62.80
  •  26.30

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 36,200.39
  • N/A
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 60,109.01
  • 0.14%
  • 0.39

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 76.87%
  • 0.62%
  • 7.54%
  • FII
  • DII
  • Others
  • 3.81%
  • 8.91%
  • 2.25%

Chart

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

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 4.05
  • 1.70
  • 5.66

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -5.56
  • -21.51

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -23.29
  • -
  • -

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 3.94
  • -
  • -

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.68
  • 0.64
  • 0.61

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.63
  • 4.86
  • 4.20

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Sep 20
Sep 19
Var%
Jun 20
Jun 19
Var%
Mar 20
Mar 19
Var%
Dec 19
Dec 18
Var%
Interest Earned
21,304.31
13,550.56
57.22%
20,832.23
13,326.97
56.32%
14,205.99
13,073.68
8.66%
13,834.95
13,254.33
4.38%
Interest Exp.
12,745.33
9,182.84
38.80%
13,949.12
9,087.35
53.50%
9,360.41
8,775.18
6.67%
9,366.87
8,874.80
5.54%
Net Interest Income
8,558.98
4,367.72
95.96%
6,883.11
4,239.62
62.35%
4,845.58
4,298.50
12.73%
4,468.08
4,379.53
2.02%
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
2,539.82
2,293.21
10.75%
3,895.49
2,099.96
85.50%
2,618.21
1,889.04
38.60%
2,376.29
1,850.61
28.41%
Total Income
23,844.13
15,843.76
50.50%
24,727.72
15,426.93
60.29%
16,824.20
14,962.72
12.44%
16,211.24
15,104.94
7.32%
Operating Exp.
5,260.74
3,006.01
75.01%
5,210.55
2,771.82
87.98%
0.00
3,270.50
-100.00%
3,042.73
3,045.14
-0.08%
Operating Profit
5,838.06
3,654.91
59.73%
5,568.05
3,567.76
56.07%
4,133.85
2,917.04
41.71%
3,801.64
3,185.00
19.36%
Provision
4,898.84
3,093.56
58.36%
4,738.69
2,075.11
128.36%
4,976.96
10,077.04
-50.61%
4,185.51
2,824.44
48.19%
PBT
939.22
561.35
67.31%
829.36
1,492.65
-44.44%
-843.11
-7,160.00
-
-383.87
360.56
-
PBTM
4.41
4.14
6.52%
3.98
11.20
-64.46%
10.75
-54.77
-
-2.77
2.72
-
TAX
394.56
131.32
200.46%
354.17
460.42
-23.08%
-246.12
-2,444.60
-
118.06
110.81
6.54%
PAT
544.66
430.03
26.66%
475.19
1,032.23
-53.96%
-596.99
-4,715.40
-
-501.93
249.75
-
PATM
2.56%
3.17%
2.28%
7.75%
7.11%
-36.07%
-3.63%
1.88%
EPS
0.52
0.41
26.83%
0.45
0.99
-54.55%
-0.57
-4.50
-
-0.48
0.24
-
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 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Net Interest Income
24,755.75
17,921.00
17,491.47
15,194.46
15,335.77
16,473.28
17,366.77
16,737.82
15,268.17
13,705.91
12,044.56
Interest Earned
70,177.48
54,918.47
52,147.13
48,724.85
48,058.08
50,803.87
48,709.82
44,958.09
43,070.60
37,495.40
27,551.24
Interest Expended
45,421.73
36,997.47
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
Int. income Growth
43.22%
2.46%
15.12%
-0.92%
-6.91%
-5.14%
3.76%
9.63%
11.40%
13.79%
 
Other Income
11,429.81
9,387.66
7,367.40
8,883.34
9,167.58
6,099.63
6,174.60
4,710.34
4,309.55
4,239.51
3,655.36
Total Income
81,607.29
27,308.66
24,858.87
24,077.80
24,503.35
22,572.91
23,541.37
21,448.16
19,577.72
17,945.42
15,699.92
Total Expenditure
16,843.96
25,867.21
39,644.66
43,345.47
22,532.81
27,452.88
18,760.30
16,112.09
12,455.72
10,472.36
8,741.13
Employee Cost
-
7,060.02
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
% Of Sales
-
12.86%
13.51%
18.97%
11.41%
12.92%
15.33%
14.72%
13.35%
12.74%
16.31%
Opt. & Establishment Exp.
-
5,704.92
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
% Of Sales
-
10.39%
10.02%
10.22%
9.30%
8.26%
7.64%
7.41%
6.78%
7.06%
8.06%
Provisions
-
14,331.15
28,539.41
30,283.91
13,439.70
17,516.15
8,335.30
6,897.22
4,453.93
3,652.22
2,556.05
% Of Sales
-
26.10%
54.73%
62.15%
27.97%
34.48%
17.11%
15.34%
10.34%
9.74%
9.28%
EBITDA
19,341.60
1,441.45
-14,785.79
-19,267.67
1,970.54
-4,879.97
4,781.07
5,336.07
7,122.00
7,473.06
6,958.79
EBITDA Margin
76.00%
8.04%
-84.53%
-126.81%
12.85%
-29.62%
27.53%
31.88%
46.65%
54.52%
57.78%
Depreciation
0.00
614.44
584.01
581.03
430.44
413.15
383.99
366.62
335.51
301.77
264.59
PBT
541.60
827.01
-15,369.80
-19,848.70
1,540.10
-5,293.12
4,397.08
4,969.45
6,786.49
7,171.29
6,694.20
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
620.67
463.67
-5,343.39
-7,264.36
638.97
-1,629.85
1,055.67
1,434.84
1,859.23
2,196.48
2,178.61
Tax Rate
114.60%
56.07%
34.77%
36.60%
41.49%
30.79%
24.01%
28.87%
27.40%
30.63%
32.54%
PAT
-171.88
316.86
-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
PAT before Minority Interest
-79.07
363.34
-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
Minority Interest
-92.81
-46.48
-20.09
-2.10
-51.98
-179.69
-125.84
-56.84
-65.39
-27.03
-21.91
PAT Margin
-0.47%
1.16%
-40.41%
-52.27%
3.47%
-17.02%
13.66%
16.21%
24.83%
27.57%
28.62%
PAT Growth
-97.37%
0
0
-1582.24%
0
-219.51%
-7.54%
-28.47%
-1.74%
10.11%
 
Unadjusted EPS
-0.08
0.30
-9.59
-12.01
0.81
-3.67
3.07
3.32
4.64
4.72
4.29

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Shareholder's Funds
63,876.37
46,084.36
41,517.30
43,415.34
41,804.25
42,039.44
38,093.22
34,469.03
29,203.84
22,614.66
Share Capital
1,347.51
920.81
552.11
425.59
392.72
370.91
362.07
353.47
339.18
316.81
Total Reserves
62,528.86
45,163.55
40,965.19
42,989.75
41,411.53
41,668.53
37,731.15
34,115.56
28,864.66
22,297.85
Minority Interest
360.69
287.70
308.53
780.63
728.65
548.95
423.11
366.29
331.42
301.29
Deposits
710,254.37
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
Borrowings
62,512.41
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
Other Liabilities & Provisions
14,453.42
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
Total Liabilities
851,457.26
790,119.72
777,528.07
733,310.91
712,792.96
636,011.17
574,820.48
496,647.80
470,445.39
386,283.81
Net Block
7,261.98
6,246.22
6,370.99
6,297.76
5,308.12
3,655.77
3,490.44
3,422.36
3,242.29
3,150.48
Gross Block
12,402.65
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
Accumulated Depreciation
5,140.67
4,729.43
4,299.95
3,774.70
3,445.88
3,231.53
2,887.67
2,575.90
2,273.12
2,050.24
Total Non-Current Assets
815,653.53
756,536.74
747,103.60
713,434.50
695,567.01
623,290.71
565,654.34
486,578.52
460,503.44
377,899.64
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-25.15
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
38,603.79
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
Balance with banks and money at call
39,151.95
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
Investments
253,782.47
210,578.32
204,418.68
191,527.16
165,126.48
156,761.66
149,224.70
134,733.99
125,819.89
96,911.28
Advances
476,853.34
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
Other Assets
35,803.73
33,582.98
30,424.47
19,876.41
17,225.95
12,720.46
9,166.14
10,069.28
9,941.95
8,384.17
Total Assets
851,457.26
790,119.72
777,528.07
733,310.91
712,792.96
636,011.17
574,820.48
496,647.80
470,445.39
386,283.81
Contingent Liabilities
213,299.34
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
Bills for collection
28,052.60
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
Adjusted Book Value
87.74
92.31
137.05
186.13
198.41
219.18
202.61
186.91
163.62
133.45

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Cash From Operating Activity
-12,743.53
-33,531.96
-1,742.13
21,938.03
14,167.00
4,813.60
16,906.09
-692.47
-25.08
7,360.66
PBT
902.13
-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
Adjustment
16,369.80
28,468.09
27,678.15
15,392.31
20,471.45
9,966.59
8,202.58
5,637.95
5,400.47
3,797.08
Adjustments for Liabilities & Assets
-27,817.35
-47,081.88
-8,265.22
6,084.88
380.70
-7,192.92
5,320.04
-11,606.18
-10,193.28
-1,695.22
Refund/(Payment) of direct taxes
-2,198.11
-29.80
-1,781.98
-1,417.34
-1,571.51
-2,556.34
-1,725.28
-1,603.07
-2,481.24
-1,516.45
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
-987.10
-629.17
391.65
158.75
-1,351.51
-871.80
-302.00
-600.44
-397.04
-912.05
Net Fixed Assets
-1417.83
-261.90
-597.67
-1434.59
-1889.94
-462.02
-359.17
-456.04
-301.42
-786.51
Other Investment Activity
-12934.02
-10495.37
-10466.37
-11378.96
-9464.66
-7004.92
-6841.34
-6278.77
-6337.74
-5298.61
Cash from Financing Activity
14,190.41
13,968.95
7,459.54
-9,767.07
5,974.67
7,451.43
2,128.87
-693.95
450.71
-608.00
Closing Cash & Equivalent
77,755.75
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
Net Cash Inflow / Outflow
459.78
-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
Opening Cash & Equivalents
77,295.97
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

Financial Ratios

Consolidated /

Standalone
Description
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Book Value
87.74
92.31
137.05
186.13
198.41
219.18
202.61
186.92
163.62
133.45
NIM
2.22
2.33
2.05
2.17
2.39
2.80
2.98
3.16
3.00
3.21
Yield on Advances
11.52
11.28
11.10
11.33
11.39
12.04
12.28
13.45
12.44
11.12
Yield on Investments
7.02
7.45
8.43
8.05
8.19
7.76
7.51
7.70
6.80
6.21
Cost of Liabilities
4.79
4.76
4.70
4.86
5.26
5.46
5.42
6.23
5.57
4.42
Interest Spread
6.73
6.52
6.41
6.47
6.12
6.58
6.86
7.21
6.87
6.70
ROCE
3.04%
-13.05%
-17.46%
3.92%
-1.39%
7.69%
8.53%
11.53%
14.61%
16.83%
Cost Income Ratio
44.49
47.02
56.66
38.87
45.85
45.91
44.67
42.59
39.69
41.08
Core Cost Income Ratio
47.47
49.14
65.51
43.92
47.96
48.21
45.88
43.74
40.44
41.86
Operating Costs to Assets
1.43
1.48
1.75
1.30
1.45
1.70
1.67
1.68
1.51
1.67
Loans/Deposits
0.09
0.07
0.10
0.07
0.14
0.11
0.13
0.12
0.11
0.11
Cash/Deposits
0.05
0.05
0.04
0.04
0.05
0.05
0.05
0.04
0.05
0.08
Investment/Deposits
0.36
0.31
0.32
0.30
0.29
0.30
0.32
0.34
0.33
0.31
Inc Loan/Deposits
8.80%
6.87%
10.07%
6.88%
14.32%
11.49%
12.80%
11.80%
11.09%
10.95%
Credit Deposits
67.14%
67.82%
67.67%
67.38%
78.21%
78.53%
79.37%
80.27%
78.39%
78.34%
Interest Expended / Interest earned
67.37%
66.46%
68.82%
68.09%
67.57%
64.35%
62.77%
64.55%
63.45%
56.28%
Interest income / Total funds
6.45%
6.60%
6.27%
6.55%
7.13%
7.66%
7.82%
8.67%
7.97%
7.13%
Interest Expended / Total funds
4.35%
4.39%
4.31%
4.46%
4.82%
4.93%
4.91%
5.60%
5.06%
4.01%
CASA
42.86%
42.15%
40.97%
41.66%
36.58%
36.03%
37.78%
38.65%
35.05%
38.20%

News Update


  • PNB enters into partnership with IIT Kanpur
    8th Jan 2021, 10:01 AM

    The partnership is for establishing an innovation centre at the institute's campus

    Read More
  • Punjab National Bank puts three stressed accounts for sale
    29th Dec 2020, 11:54 AM

    The bank intend to place three accounts for sale to ARCs/NBFCs/other banks/FIs etc

    Read More
  • PNB completes IT integration of all branches of two merged entities
    29th Dec 2020, 10:13 AM

    This is in continuation to the IT integration of all branches of erstwhile Oriental Bank of Commerce undertaken last month

    Read More
  • PNB sets floor price for QIP at Rs 37.35 per share
    16th Dec 2020, 11:15 AM

    The committee will meet on September 18, 2020 to consider and determine the issue price for the equity shares, including a discount, if any, to be allotted to Qualified Institutional Buyers

    Read More
  • PNB to hold roadshow for proposed Rs 7,000 crore QIP
    7th Dec 2020, 11:00 AM

    The bank has taken approval for raising Rs 7,000 crore through the Qualified Institutional Placement route this fiscal

    Read More
  • Fitch ratings affirms ratings of Punjab National Bank
    4th Dec 2020, 15:45 PM

    The agency has also affirmed the bank's Viability Rating at 'b'

    Read More
  • PNB completes IT integration of all branches of OBC with itself
    3rd Dec 2020, 11:57 AM

    With this integration, all customers of erstwhile OBC have now migrated to core banking solution of PNB

    Read More
  • PNB launches loan management solution 'LenS-The Lending Solution'
    2nd Dec 2020, 11:50 AM

    The bank started development/customisation of an IT-based solution PNB LenS- The Lending Solution for loan management

    Read More
  • ICRA upgrades PNB's bonds rating
    21st Nov 2020, 10:57 AM

    Credit rating agency reaffirmed the rating of Certificate of Deposits at A1+

    Read More
  • RBI imposes penalty of Rs 1 crore on PNB
    21st Nov 2020, 10:41 AM

    RBI has imposed monetary penalty for non-compliance of regulatory guidelines

    Read More
  • RBI imposes penalty of Rs 1 crore on PNB
    14th Nov 2020, 09:11 AM

    RBI has imposed a penalty for contravention of the Payment and Settlement Systems Act

    Read More
  • PNB raises Rs 1,500 crore by issuing Basel III compliant bonds
    12th Nov 2020, 09:19 AM

    The bank has allotted a total of 15,000 bonds to three allottees

    Read More
  • PNB planning to raise Rs 7,000 crore in December
    4th Nov 2020, 10:01 AM

    The bank expects the credit growth to pick up slightly in the second half but it would be less than 5 per cent for the entire fiscal

    Read More
  • PNB reports 27% rise in Q2 consolidated net profit
    3rd Nov 2020, 11:38 AM

    Total income of the bank increased by 50.50% at Rs 23844.13 crore for Q2FY21

    Read More
  • PNB - Quarterly Results
    2nd Nov 2020, 17:07 PM

    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.