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Bank - Public

Rating :
38/99   (View)

BSE: 532461 | NSE: PNB

27.15
-0.20 (-0.73%)
28-Oct-2020 | 1:54PM
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  • 27.45
  • 27.65
  • 27.00
  • 27.35
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  22898452
  •  6216.93
  •  69.65
  •  26.30

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 25,785.12
  • N/A
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 49,693.74
  • 0.17%
  • 0.31

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 85.59%
  • 0.47%
  • 6.55%
  • FII
  • DII
  • Others
  • 0.89%
  • 6.01%
  • 0.49%

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
  • 4.39
  • -
  • -

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.70
  • 0.65
  • 0.66

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.74
  • 5.04
  • 4.28

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Jun 20
Jun 19
Var%
Mar 20
Mar 19
Var%
Dec 19
Dec 18
Var%
Sep 19
Sep 18
Var%
Interest Earned
20,832
13,327
56%
14,206
13,074
9%
13,835
13,254
4%
13,551
12,523
8%
Interest Exp.
13,949
9,087
54%
9,360
8,775
7%
9,367
8,875
6%
9,183
8,475
8%
Net Interest Income
6,883
4,240
62%
4,846
4,298
13%
4,468
4,380
2%
4,368
4,048
8%
NIM
0
0
0
0
0
0
0
0
0
0
0
0
Other Income
3,895
2,100
86%
2,618
1,889
39%
2,376
1,851
28%
2,293
1,696
35%
Total Income
24,728
15,427
60%
16,824
14,963
12%
16,211
15,105
7%
15,844
14,219
11%
Operating Exp.
5,211
2,772
88%
0
3,270
-100%
3,043
3,045
0%
3,006
2,879
4%
Operating Profit
5,568
3,568
56%
4,134
2,917
42%
3,802
3,185
19%
3,655
2,865
28%
Provision
4,739
2,075
128%
4,977
10,077
-51%
4,186
2,824
48%
3,094
9,822
-69%
PBT
829
1,493
-44%
-843
-7,160
-
-384
361
-
561
-6,957
-
PBTM
4
11
-64%
11
-55
-
-3
3
-
4
-56
-
TAX
354
460
-23%
-246
-2,445
-
118
111
7%
131
-2,383
-
PAT
475
1,032
-54%
-597
-4,715
-
-502
250
-
430
-4,574
-
PATM
2%
8%
7%
-36%
-4%
2%
3%
-37%
EPS
0.50
1.10
-55%
-0.63
-5.01
-
-0.53
0.27
-
0.46
-4.86
-
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 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Net Interest Income
20,564
17,921
17,491
15,194
15,336
16,473
17,367
16,738
15,268
13,706
12,045
Interest Earned
62,424
54,918
52,147
48,725
48,058
50,804
48,710
44,958
43,071
37,495
27,551
Interest Expended
41,859
36,997
34,656
33,530
32,722
34,331
31,343
28,220
27,802
23,789
15,507
Int. income Growth
21%
2%
15%
-1%
-7%
-5%
4%
10%
11%
14%
 
Other Income
11,183
9,388
7,367
8,883
9,168
6,100
6,175
4,710
4,310
4,240
3,655
Total Income
73,607
27,309
24,859
24,078
24,503
22,573
23,541
21,448
19,578
17,945
15,700
Total Expenditure
14,589
25,867
39,645
43,345
22,533
27,453
18,760
16,112
12,456
10,472
8,741
Employee Cost
-
7,060
7,048
9,242
5,482
6,564
7,469
6,616
5,751
4,775
4,494
% Of Sales
-
13%
14%
19%
11%
13%
15%
15%
13%
13%
16%
Opt. & Establishment Exp.
-
5,705
5,226
4,981
4,472
4,199
3,724
3,332
2,921
2,649
2,220
% Of Sales
-
10%
10%
10%
9%
8%
8%
7%
7%
7%
8%
Provisions
-
14,331
28,539
30,284
13,440
17,516
8,335
6,897
4,454
3,652
2,556
% Of Sales
-
26%
55%
62%
28%
34%
17%
15%
10%
10%
9%
EBITDA
17,158
1,441
-14,786
-19,268
1,971
-4,880
4,781
5,336
7,122
7,473
6,959
EBITDA Margin
77%
8%
-85%
-127%
13%
-30%
28%
32%
47%
55%
58%
Depreciation
0
614
584
581
430
413
384
367
336
302
265
PBT
164
827
-15,370
-19,849
1,540
-5,293
4,397
4,969
6,786
7,171
6,694
Exceptional Inc./Exp.
-
0
0
0
0
0
0
0
0
0
0
Provision for Tax
357
464
-5,343
-7,264
639
-1,630
1,056
1,435
1,859
2,196
2,179
Tax Rate
218%
56%
35%
37%
41%
31%
24%
29%
27%
31%
33%
PAT
-256
317
-10,046
-12,586
849
-3,843
3,216
3,478
4,862
4,948
4,494
PAT before Minority Interest
-194
363
-10,026
-12,584
901
-3,663
3,341
3,535
4,927
4,975
4,516
Minority Interest
-63
-46
-20
-2
-52
-180
-126
-57
-65
-27
-22
PAT Margin
-1%
1%
-40%
-52%
3%
-17%
14%
16%
25%
28%
29%
PAT Growth
-98%
0
0
-1,582%
0
-220%
-8%
-28%
-2%
10%
 
EPS
-0.21
0.34
-10.68
-13.37
0.90
-4.08
3.42
3.70
5.17
5.26
4.78

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
46,084
41,517
43,415
41,804
42,039
38,093
34,469
29,204
22,615
Share Capital
1,348
921
552
426
393
371
362
353
339
317
Total Reserves
62,529
45,164
40,965
42,990
41,412
41,669
37,731
34,116
28,865
22,298
Minority Interest
361
288
309
781
729
549
423
366
331
301
Deposits
7,10,254
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
Borrowings
62,512
46,828
65,330
43,336
81,674
59,205
59,033
47,090
42,645
34,638
Other Liabilities & Provisions
14,453
15,046
21,934
16,128
18,204
18,973
16,067
15,722
13,856
12,497
Total Liabilities
8,51,457
7,90,120
7,77,528
7,33,311
7,12,793
6,36,011
5,74,820
4,96,648
4,70,445
3,86,284
Net Block
7,262
6,246
6,371
6,298
5,308
3,656
3,490
3,422
3,242
3,150
Gross Block
12,403
10,976
10,671
10,072
8,754
6,887
6,378
5,998
5,515
5,201
Accumulated Depreciation
5,141
4,729
4,300
3,775
3,446
3,232
2,888
2,576
2,273
2,050
Total Non-Current Assets
8,15,654
7,56,537
7,47,104
7,13,434
6,95,567
6,23,291
5,65,654
4,86,579
4,60,503
3,77,900
Lease Adjustment A/c
0
0
0
0
0
0
0
0
-25
0
Capital Work in Progress
0
0
0
0
0
0
0
0
0
0
Cash and balance with RBI
38,604
32,338
29,029
25,410
26,492
24,436
22,406
17,930
18,508
23,791
Balance with banks and money at call
39,152
44,958
68,459
65,969
52,557
33,823
24,460
10,204
11,612
6,300
Investments
2,53,782
2,10,578
2,04,419
1,91,527
1,65,126
1,56,762
1,49,225
1,34,734
1,25,820
96,911
Advances
4,76,853
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
Other Assets
35,804
33,583
30,424
19,876
17,226
12,720
9,166
10,069
9,942
8,384
Total Assets
8,51,457
7,90,120
7,77,528
7,33,311
7,12,793
6,36,011
5,74,820
4,96,648
4,70,445
3,86,284
Contingent Liabilities
2,13,299
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
Bills for collection
28,053
27,866
27,898
25,806
23,256
19,641
20,326
17,531
16,323
11,982
Adjusted Book Value
88
92
137
186
198
219
203
187
164
133

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
-12,744
-33,532
-1,742
21,938
14,167
4,814
16,906
-692
-25
7,361
PBT
902
-14,888
-19,373
1,878
-5,114
4,596
5,109
6,879
7,249
6,775
Adjustment
16,370
28,468
27,678
15,392
20,471
9,967
8,203
5,638
5,400
3,797
Adjustments for Liabilities & Assets
-27,817
-47,082
-8,265
6,085
381
-7,193
5,320
-11,606
-10,193
-1,695
Refund/(Payment) of direct taxes
-2,198
-30
-1,782
-1,417
-1,572
-2,556
-1,725
-1,603
-2,481
-1,516
Other Direct Payments
0
0
0
0
0
0
0
0
0
0
Cash From Investing Activity
-987
-629
392
159
-1,352
-872
-302
-600
-397
-912
Net Fixed Assets
-1,418
-262
-598
-1,435
-1,890
-462
-359
-456
-301
-787
Other Investment Activity
-12,934
-10,495
-10,466
-11,379
-9,465
-7,005
-6,841
-6,279
-6,338
-5,299
Cash from Financing Activity
14,190
13,969
7,460
-9,767
5,975
7,451
2,129
-694
451
-608
Closing Cash & Equivalent
77,756
77,296
97,488
91,379
77,049
58,259
46,866
28,133
30,120
30,091
Net Cash Inflow / Outflow
460
-20,192
6,109
12,330
18,790
11,393
18,733
-1,987
29
5,841
Opening Cash & Equivalents
77,296
97,488
91,379
79,049
58,259
46,866
28,133
30,120
30,091
24,251

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
88
92
137
186
198
219
203
187
164
133
NIM
2
2
2
2
2
3
3
3
3
3
Yield on Advances
12
11
11
11
11
12
12
13
12
11
Yield on Investments
7
7
8
8
8
8
8
8
7
6
Cost of Liabilities
5
5
5
5
5
5
5
6
6
4
Interest Spread
7
7
6
6
6
7
7
7
7
7
ROCE
3%
-13%
-17%
4%
-1%
8%
9%
12%
15%
17%
Cost Income Ratio
44
47
57
39
46
46
45
43
40
41
Core Cost Income Ratio
47
49
66
44
48
48
46
44
40
42
Operating Costs to Assets
1
1
2
1
1
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
9%
7%
10%
7%
14%
11%
13%
12%
11%
11%
Credit Deposits
67%
68%
68%
67%
78%
79%
79%
80%
78%
78%
Interest Expended / Interest earned
67%
66%
69%
68%
68%
64%
63%
65%
63%
56%
Interest income / Total funds
6%
7%
6%
7%
7%
8%
8%
9%
8%
7%
Interest Expended / Total funds
4%
4%
4%
4%
5%
5%
5%
6%
5%
4%
CASA
43%
42%
41%
42%
37%
36%
38%
39%
35%
38%

News Update


  • Ind-Ra upgrades PNB’s long-term issuer rating
    15th Oct 2020, 12:10 PM

    The Short-Term Issuer rating has also been affirmed at 'A1+'

    Read More
  • PNB raises Rs 1500 crore through bonds
    14th Oct 2020, 17:11 PM

    The company has allotted 15000 bonds having face value of Rs 10 lakh, at a coupon of 7.25% p.a. on private placement basis

    Read More
  • Punjab National Bank launches financial inclusion initiative 'Gram Sampark Abhiyan'
    3rd Oct 2020, 11:26 AM

    The campaign is centred on four key themes -- digital, credit, social security, and financial literacy

    Read More
  • PNB launches festival bonanza offer, waives processing fees on some loans
    10th Sep 2020, 09:13 AM

    The bank will waive all upfront or processing fees and documentation charges on some of its major retail products

    Read More
  • PNB expects to restructure loans worth Rs 40,000 crore
    25th Aug 2020, 09:57 AM

    RBI had earlier allowed one-time restructuring of corporate and personal loans to help entities amid the COVID-19 crisis

    Read More
  • PNB provides help to fight against COVID-19 crisis
    21st Aug 2020, 14:31 PM

    The bank has donated Rs 64 lakh towards Maharshtra CM COVID-19 Relief Fund

    Read More
  • Punjab National Bank raises Rs 994 crore
    30th Jul 2020, 15:33 PM

    The bank has issued and allotted Rs 994 crore tier II (Basel III compliant) capital bonds at a coupon of 7.25 per cent per annum on private placement basis

    Read More
  • Punjab National Bank launches nationwide initiative to fight COVID-19
    20th Jul 2020, 16:38 PM

    The initiative will entail providing COVID-19 related prevention materials like masks, sanitisers, etc across India in 662 districts

    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.