Nifty

14371.90

Sensex

48878.54

-218.45(-1.50%)
-746.22(-1.50%)

Nifty
Sensex

:
:

14371.90
48878.54

-218.45(-1.50%)
-746.22(-1.50%)

Punjab National Bank

Bank - Public

Rating :

42/99 (View)

BSE: 532461 | NSE: PNB

Watchlist

NSE BSE

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

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 20,945.84 13,291.92 57.58% 20,604.91 13,086.44 57.45% 13,858.98 12,835.72 7.97% 13,562.69 13,035.08 4.05%
Interest Exp. 12,552.64 9,028.08 39.04% 13,856.48 8,945.08 54.91% 9,181.44 8,635.43 6.32% 9,207.64 8,745.03 5.29%
Net Interest Income 8,393.20 4,263.84 96.85% 6,748.43 4,141.36 62.95% 4,677.54 4,200.29 11.36% 4,355.05 4,290.05 1.52%
NIM 3.34 2.66 25.56% 2.59 2.55 1.57% 2.50 2.44 2.46% 2.36 2.55 -7.45%
Other Income 2,492.72 2,264.69 10.07% 3,687.89 2,075.30 77.70% 2,529.34 1,889.41 33.87% 2,404.80 1,819.16 32.19%
Total Income 23,438.56 15,556.61 50.67% 24,292.80 15,161.74 60.22% 16,388.32 14,725.13 11.29% 15,967.49 14,854.24 7.49%
Operating Exp. 5,211.01 2,966.58 75.66% 5,156.27 2,735.24 88.51% 3,274.60 3,228.52 1.43% 2,996.95 3,009.35 -0.41%
Operating Profit 5,674.91 3,561.95 59.32% 5,280.05 3,481.42 51.66% 3,932.28 2,861.18 37.44% 3,762.90 3,099.86 21.39%
Provision 4,696.15 2,928.90 60.34% 4,685.89 2,023.31 131.60% 4,901.31 10,071.11 -51.33% 4,146.04 2,753.84 50.55%
PBT 978.75 633.05 54.61% 594.16 1,458.11 -59.25% -969.03 -7,209.93 - -383.14 346.02 -
PBTM 4.67 4.76 -1.89% 2.88 11.14 -74.15% -6.99 -56.17 - -2.83 2.65 -
TAX 357.95 126.00 184.09% 285.71 439.48 -34.99% -271.83 -2,460.29 - 109.14 99.51 9.68%
PAT 620.81 507.05 22.44% 308.45 1,018.63 -69.72% -697.20 -4,749.64 - -492.28 246.51 -
PATM 2.96% 3.81% 1.50% 7.78% -5.03% -37.00% -3.63% 1.89%
EPS 0.66 1.10 -40.00% 0.33 2.21 -85.07% -1.03 -10.32 - -0.73 0.65 -
Gross NPA 96,313.94 79,458.09 21.21% 101,849.34 77,267.29 31.81% 73,478.76 78,472.70 -6.36% 76,809.20 77,733.33 -1.19%
Gross NPA% 13.43 16.76 -19.87% 14.11 16.49 -14.43% 14.21 15.50 -8.32% 16.30 16.33 -0.18%
Net NPA 30,919.84 32,658.69 -5.32% 35,303.02 30,179.66 16.98% 27,218.89 30,037.66 -9.38% 30,518.92 35,675.12 -14.45%
Net NPA% 4.75 7.65 -37.91% 5.39 7.17 -24.83% 5.78 6.56 -11.89% 7.18 8.22 -12.65%
CASA 44.10 41.57 6.09% 43.45 40.62 6.97% 44.05 43.51 1.24% 43.74 43.42 0.74%

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 24,174.22 17,437.79 17,156.31 14,922.41 14,993.17 15,311.78 16,555.57 16,145.97 14,849.00 13,414.44 11,807.34 Interest Earned 68,972.42 53,800.03 51,310.25 47,995.77 47,275.99 47,424.35 46,315.36 43,223.25 41,885.82 36,476.13 26,986.48 Interest Expended 44,798.20 36,362.24 34,153.94 33,073.36 32,282.82 32,112.57 29,759.79 27,077.28 27,036.82 23,061.69 15,179.14 Int. income Growth 43.08% 1.64% 14.97% -0.47% -2.08% -7.51% 2.54% 8.73% 10.69% 13.61% Other Income 11,114.75 9,274.13 7,377.41 8,880.87 8,951.37 6,000.05 5,890.73 4,576.71 4,223.43 4,202.60 3,612.58 Total Income 80,087.17 26,711.92 24,533.72 23,803.28 23,944.54 21,311.83 22,446.30 20,722.68 19,072.43 17,617.04 15,419.92 Total Expenditure 16,638.83 25,365.26 39,301.47 42,802.19 21,507.96 26,653.99 18,118.82 15,679.79 12,232.17 10,287.74 8,600.34 Employee Cost - 6,961.68 6,963.16 9,168.80 5,420.72 6,425.95 7,336.91 6,510.45 5,674.72 4,723.48 4,461.10 % Of Sales - 12.94% 13.57% 19.10% 11.47% 13.55% 15.84% 15.06% 13.55% 12.95% 16.53% Opt. & Establishment Exp. - 5,619.38 5,153.34 4,916.45 4,383.70 3,942.24 3,524.87 3,180.18 2,808.84 2,571.53 2,158.97 % Of Sales - 10.44% 10.04% 10.24% 9.27% 8.31% 7.61% 7.36% 6.71% 7.05% 8.00% Provisions - 13,999.56 28,341.01 29,869.28 12,553.62 17,077.26 7,997.50 6,693.94 4,385.61 3,577.25 2,491.97 % Of Sales - 26.02% 55.23% 62.23% 26.55% 36.01% 17.27% 15.49% 10.47% 9.81% 9.23% EBITDA 18,650.14 1,346.66 -14,767.75 -18,998.91 2,436.58 -5,342.16 4,327.48 5,042.89 6,840.26 7,329.30 6,819.58 EBITDA Margin 75.88% 7.72% -86.08% -127.32% 16.25% -34.89% 26.14% 31.23% 46.07% 54.64% 57.76% Depreciation 0.00 607.68 578.02 576.17 425.04 395.73 370.23 352.39 318.50 292.26 255.85 PBT 220.74 738.98 -15,345.77 -19,575.08 2,011.54 -5,737.89 3,957.25 4,690.51 6,521.76 7,037.04 6,563.73 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 480.97 402.79 -5,370.28 -7,292.26 686.74 -1,763.49 895.67 1,347.94 1,774.09 2,152.84 2,130.23 Tax Rate 217.89% 54.51% 35.00% 37.25% 34.14% 30.73% 22.63% 28.74% 27.20% 30.59% 32.45% PAT -260.22 336.19 -9,975.49 -12,282.82 1,324.80 -3,974.40 3,061.58 3,342.57 4,747.67 4,884.20 4,433.50 PAT before Minority Interest -260.22 336.19 -9,975.49 -12,282.82 1,324.80 -3,974.40 3,061.58 3,342.57 4,747.67 4,884.20 4,433.50 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin -0.74% 1.26% -40.66% -51.60% 5.53% -18.65% 13.64% 16.13% 24.89% 27.72% 28.75% PAT Growth -91.26% 0 0 -1027.15% 0 -229.82% -8.41% -29.60% -2.80% 10.17% Unadjusted EPS -0.25 0.32 -9.52 -11.72 1.26 -3.79 2.92 3.19 4.53 4.66 4.23

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 62,357.49 44,787.12 41,074.31 42,097.46 38,310.14 39,079.52 35,895.32 32,676.90 27,815.42 21,508.56 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 61,009.97 43,866.32 40,522.19 41,671.87 37,917.42 38,708.61 35,533.25 32,323.43 27,476.24 21,191.74 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 703,846.32 676,030.14 642,226.19 621,704.02 553,051.13 501,378.64 451,396.75 391,560.06 379,588.48 312,898.73 Borrowings 50,225.43 39,325.92 60,850.75 40,763.34 59,755.24 45,670.55 48,034.41 39,620.92 37,264.27 31,589.69 Other Liabilities & Provisions 14,236.68 14,806.29 21,678.86 15,765.73 16,273.94 17,204.89 15,093.44 15,089.84 13,524.18 12,328.27 Total Liabilities 830,665.92 774,949.47 765,830.11 720,330.55 667,390.45 603,333.60 550,419.92 478,947.72 458,192.35 378,325.25 Net Block 7,239.07 6,224.85 6,374.57 6,298.49 5,247.97 3,576.71 3,444.98 3,382.92 3,194.01 3,130.67 Gross Block 12,304.85 10,887.02 10,625.12 10,027.45 8,592.86 6,702.92 6,240.90 5,881.73 5,425.69 5,124.27 Accumulated Depreciation 5,065.78 4,662.17 4,250.56 3,728.96 3,344.89 3,126.20 2,795.92 2,498.82 2,231.68 1,993.60 Total Non-Current Assets 795,525.46 741,890.31 735,852.03 700,823.49 651,017.51 589,897.00 541,692.81 469,185.16 448,474.68 370,065.83 Lease Adjustment A/c 0.00 0.00 -25.24 -25.24 -25.24 -25.24 -25.24 -25.24 -25.15 -25.08 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 38,397.85 32,129.13 28,789.03 25,210.00 26,479.07 24,224.94 22,245.58 17,886.25 18,492.90 23,776.90 Balance with banks and money at call 37,595.18 43,158.91 66,672.97 63,121.65 49,144.02 31,709.23 22,972.87 9,249.13 10,335.14 5,914.32 Investments 240,465.64 202,128.22 200,305.98 186,725.44 157,845.89 149,876.95 143,785.50 129,896.19 122,703.02 95,162.35 Advances 471,827.72 458,249.20 433,734.72 419,493.15 412,325.80 380,534.41 349,269.12 308,795.91 293,774.76 242,106.67 Other Assets 35,140.45 33,059.15 29,978.07 19,507.06 16,372.94 13,436.59 8,727.10 9,762.58 9,717.67 8,259.42 Total Assets 830,665.91 774,949.46 765,830.10 720,330.55 667,390.45 603,333.59 550,419.91 478,947.74 458,192.35 378,325.25 Contingent Liabilities 210,800.74 305,400.13 304,127.70 332,831.33 335,795.92 273,945.38 216,274.78 214,279.12 208,036.65 126,933.72 Bills for collection 28,049.91 27,335.90 27,858.61 25,779.13 23,221.19 19,640.62 20,325.97 17,531.43 16,713.41 11,981.54 Adjusted Book Value 85.49 89.50 135.44 180.20 180.61 203.24 190.50 176.81 155.47 126.50

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 -11,336.23 -30,892.51 1,011.69 12,497.05 17,045.37 5,618.67 17,729.12 -1,886.71 -811.22 8,045.67 PBT 738.98 -15,345.76 -19,575.08 2,011.54 -5,737.88 3,957.25 4,690.51 6,521.76 7,037.04 6,563.72 Adjustment 19,252.67 31,048.20 32,173.78 14,587.49 19,965.91 9,562.31 8,001.38 5,651.96 4,833.61 3,705.01 Adjustments for Liabilities & Assets -29,204.55 -46,182.26 -9,834.39 -2,713.97 4,289.49 -5,541.91 6,646.62 -12,568.85 -10,296.40 -758.55 Refund/(Payment) of direct taxes -2,123.33 -412.69 -1,752.62 -1,388.01 -1,472.15 -2,358.98 -1,609.39 -1,491.58 -2,385.47 -1,464.52 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 -1,515.85 -260.37 -1,288.01 -527.18 -782.74 -848.67 -634.40 -650.85 -492.34 -1,083.66 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 -12565.22 -12175.03 -11152.30 -10810.19 -9441.53 -7337.32 -6891.75 -6374.07 -6509.35 -5533.68 Cash from Financing Activity 13,557.07 10,978.92 7,406.67 738.69 856.29 5,945.72 988.35 844.91 440.38 -744.36 Closing Cash & Equivalent 75,993.03 75,288.04 95,462.00 88,331.65 75,623.09 55,934.17 45,218.45 27,135.38 28,828.03 29,691.21 Net Cash Inflow / Outflow 704.99 -20,173.96 7,130.36 12,708.56 17,118.92 10,715.73 18,083.06 -1,692.65 -863.18 6,217.65 Opening Cash & Equivalents 75,288.04 95,462.00 88,331.65 75,623.09 58,504.17 45,218.45 27,135.38 28,828.03 29,691.21 23,473.56

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 85.49 89.50 135.44 180.20 180.61 203.24 190.50 176.81 155.47 126.50 NIM 2.21 2.33 2.05 2.16 2.37 2.82 3.00 3.19 3.01 3.22 Yield on Advances 11.40 11.20 11.07 11.27 11.50 12.17 12.38 13.56 12.42 11.15 Yield on Investments 7.05 7.52 8.59 8.16 8.26 7.75 7.52 7.71 6.59 6.24 Cost of Liabilities 4.82 4.77 4.70 4.87 5.24 5.44 5.42 6.27 5.53 4.41 Interest Spread 6.58 6.42 6.36 6.40 6.26 6.73 6.95 7.29 6.88 6.74 ROCE 2.77% -14.42% -18.35% 4.82% -3.75% 7.23% 8.38% 11.73% 14.73% 17.64% Cost Income Ratio 44.82 47.03 56.75 39.17 46.79 46.74 45.06 42.81 39.75 41.27 Core Cost Income Ratio 47.74 49.22 65.75 44.05 49.10 48.97 46.29 43.93 40.55 42.09 Operating Costs to Assets 1.44 1.49 1.76 1.30 1.49 1.74 1.70 1.70 1.53 1.68 Loans/Deposits 0.07 0.06 0.09 0.07 0.11 0.09 0.11 0.10 0.10 0.10 Cash/Deposits 0.05 0.05 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.08 Investment/Deposits 0.34 0.30 0.31 0.30 0.29 0.30 0.32 0.33 0.32 0.30 Inc Loan/Deposits 7.14% 5.82% 9.47% 6.56% 10.80% 9.11% 10.64% 10.12% 9.82% 10.10% Credit Deposits 67.04% 67.79% 67.54% 67.47% 74.55% 75.90% 77.38% 78.86% 77.39% 77.38% Interest Expended / Interest earned 67.59% 66.56% 68.91% 68.29% 67.71% 64.25% 62.65% 64.55% 63.22% 56.25% Interest income / Total funds 6.48% 6.62% 6.27% 6.56% 7.11% 7.68% 7.85% 8.75% 7.96% 7.13% Interest Expended / Total funds 4.38% 4.41% 4.32% 4.48% 4.81% 4.93% 4.92% 5.65% 5.03% 4.01% CASA 42.97% 42.16% 40.99% 41.82% 37.17% 36.66% 38.30% 39.16% 35.34% 38.45%

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%

Annual Reports:

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

Punjab National Bank

Bank - Public

BSE: 532461 | NSE: PNB

Stock Summary

Shareholding Pattern

Chart

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

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Consolidated Figures in Rs. Crores /

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Cash Flow

Consolidated Figures in Rs. Crores /

Financial Ratios

Consolidated /

Annual Reports:

News Update