Nifty
Sensex
:
:
11737.90
39110.21
28.80 (0.25%)
140.41 (0.36%)

Bank - Public

Rating :
59/99

BSE: 532461 | NSE: PNB

84.60
-1.50 (-1.74%)
22-May-2019 | 3:59PM
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  85.60
  •  85.70
  •  82.65
  •  86.10
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  31628934
  •  26758.08
  •  99.90
  •  58.45

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 38,973.26
  • N/A
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 75,274.03
  • 0.27%
  • 0.83

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 75.41%
  • 0.82%
  • 6.67%
  • FII
  • DII
  • Others
  • 0.14%
  • 12.92%
  • 4.04%

Chart

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

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 8.13
  • -1.56
  • -0.85

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • 19.38

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • 45.66

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 6.01
  • 9.08
  • -

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.83
  • 0.73
  • 0.72

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.63
  • 5.40
  • 4.74

Quarterly Results

Standalone Figures in Rs. Crores

Description
Dec 18
Dec 17
Var%
Sep 18
Sep 17
Var%
Jun 18
Jun 17
Var%
Mar 18
Mar 17
Var%
Interest Earned
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest Exp.
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 Interest Income
0.00
0.00
0.00
0.00
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total Income
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Operating Exp.
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Operating Profit
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provision
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PBT
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PBTM
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
TAX
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PATM
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
EPS
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
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 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Mar 09
Net Interest Income
-
15,194.47
15,335.77
16,473.28
17,366.77
16,737.82
15,268.17
13,705.91
12,044.56
8,707.56
7,002.35
Interest Earned
-
48,724.86
48,058.08
50,803.87
48,709.82
44,958.09
43,070.60
37,495.40
27,551.24
21,937.57
19,578.71
Interest Expended
-
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
12,576.36
Int. income Growth
-
-0.92%
-6.91%
-5.14%
3.76%
9.63%
11.40%
13.79%
38.32%
24.35%
 
Other Income
-
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
3,057.08
Total Income
-
24,077.81
24,503.35
22,572.91
23,541.37
21,448.16
19,577.72
17,945.42
15,699.92
12,205.73
10,059.43
Total Expenditure
-
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
5,016.14
Employee Cost
-
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
2,941.61
% Of Sales
-
18.97%
11.41%
12.92%
15.33%
14.72%
13.35%
12.74%
16.31%
14.32%
15.02%
Opt. & Establishment Exp.
-
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
1,501.00
% Of Sales
-
10.22%
9.30%
8.26%
7.64%
7.41%
6.78%
7.06%
8.06%
8.71%
7.67%
Provisions
-
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
963.21
% Of Sales
-
62.15%
27.97%
34.48%
17.11%
15.34%
10.34%
9.74%
9.28%
6.55%
4.92%
EBITDA
-
-19,267.66
1,970.54
-4,879.97
4,781.07
5,336.07
7,122.00
7,473.06
6,958.79
6,171.74
5,043.29
EBITDA Margin
-
-126.81%
12.85%
-29.62%
27.53%
31.88%
46.65%
54.52%
57.78%
70.88%
72.02%
Depreciation
-
581.03
430.44
413.15
383.99
366.62
335.51
301.77
264.59
227.17
194.84
PBT
-
-19,848.69
1,540.10
-5,293.12
4,397.08
4,969.45
6,786.49
7,171.29
6,694.20
5,944.57
4,848.45
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
-
-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
1,716.89
Tax Rate
-
36.60%
41.49%
30.79%
24.01%
28.87%
27.40%
30.63%
32.54%
34.56%
35.41%
PAT
-
-12,603.12
849.15
-3,842.96
3,215.57
3,477.77
4,861.87
4,947.78
4,493.68
3,874.48
3,128.49
PAT before Minority Interest
-
-12,584.33
901.13
-3,663.27
3,341.41
3,534.61
4,927.26
4,974.81
4,515.59
3,890.39
3,131.56
Minority Interest
-
-18.79
-51.98
-179.69
-125.84
-56.84
-65.39
-27.03
-21.91
-15.91
-3.07
PAT Margin
-
-52.34%
3.47%
-17.02%
13.66%
16.21%
24.83%
27.57%
28.62%
31.74%
31.10%
PAT Growth
-
-1584.20%
0
-219.51%
-7.54%
-28.47%
-1.74%
10.11%
15.98%
23.85%
 
Unadjusted EPS
-
-54.71
5.78
-20.38
18.78
20.32
140.17
148.17
145.08
125.99
101.40

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Mar 09
Shareholder's Funds
42,485.15
43,415.34
41,804.25
42,039.44
38,093.22
34,469.03
29,203.84
22,614.66
18,702.74
15,560.22
Share Capital
552.11
425.59
392.72
370.91
362.07
353.47
339.18
316.81
315.30
315.30
Total Reserves
41,933.04
42,989.75
41,411.53
41,668.53
37,731.15
34,115.56
28,864.66
22,297.85
18,387.44
15,244.92
Minority Interest
799.42
780.63
728.65
548.95
423.11
366.29
331.42
301.29
227.06
139.94
Deposits
648,439.02
629,650.86
570,382.64
515,245.43
461,203.53
399,000.18
384,408.22
316,231.93
251,457.66
210,659.17
Borrowings
65,329.67
43,336.01
81,673.74
59,204.76
59,033.31
47,089.94
42,645.42
34,638.50
22,762.94
17,136.14
Other Liabilities & Provisions
21,941.67
16,128.07
18,203.68
18,972.59
16,067.31
15,722.36
13,856.49
12,497.43
10,419.02
10,095.68
Total Liabilities
778,994.93
733,310.91
712,792.96
636,011.17
574,820.48
496,647.80
470,445.39
386,283.81
303,569.42
253,591.15
Net Block
6,374.33
6,297.76
5,308.12
3,655.77
3,490.44
3,422.36
3,242.29
3,150.48
2,531.41
2,622.19
Gross Block
10,675.23
10,072.46
8,754.00
6,887.30
6,378.11
5,998.26
5,515.41
5,200.72
4,374.87
4,274.54
Accumulated Depreciation
4,300.90
3,774.70
3,445.88
3,231.53
2,887.67
2,575.90
2,273.12
2,050.24
1,843.46
1,652.35
Total Non-Current Assets
748,570.65
713,434.50
695,567.01
623,290.71
565,654.34
486,578.52
460,503.44
377,899.64
297,146.83
248,492.44
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
0.00
-25.15
0.00
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
29,028.90
25,410.36
26,492.19
24,435.78
22,406.14
17,929.51
18,507.64
23,791.19
18,334.78
17,059.55
Balance with banks and money at call
68,459.23
65,968.73
52,557.19
33,823.44
24,459.85
10,203.52
11,612.25
6,300.11
5,915.91
4,965.60
Investments
205,910.19
191,527.16
165,126.48
156,761.66
149,224.70
134,733.99
125,819.89
96,911.28
79,253.88
65,391.68
Advances
438,798.00
424,230.49
446,083.03
404,614.06
366,073.21
320,289.14
301,346.52
247,746.58
191,110.85
158,453.42
Other Assets
30,424.28
19,876.41
17,225.95
12,720.46
9,166.14
10,069.28
9,941.95
8,384.17
6,422.59
5,098.71
Total Assets
778,994.93
733,310.91
712,792.96
636,011.17
574,820.48
496,647.80
470,445.39
386,283.81
303,569.42
253,591.15
Contingent Liabilities
308,790.19
338,851.04
339,168.05
282,956.16
221,673.88
218,910.70
212,421.74
127,611.28
92,789.21
110,472.81
Bills for collection
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
7,567.10
Adjusted Book Value
140.56
186.13
198.41
219.18
202.61
186.91
163.62
133.45
109.17
89.10

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Mar 09
Cash From Operating Activity
-140.20
21,938.03
14,167.00
4,813.60
16,906.09
-692.47
-25.08
7,360.66
1,774.25
2,222.49
PBT
-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
4,916.99
Adjustment
27,997.36
15,392.31
20,471.45
9,966.59
8,202.58
5,637.95
5,400.47
3,797.08
2,526.54
1,778.08
Adjustments for Liabilities & Assets
-6,982.50
6,084.88
380.70
-7,192.92
5,320.04
-11,606.18
-10,193.28
-1,695.22
-4,274.04
-2,817.80
Refund/(Payment) of direct taxes
-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
-1,654.78
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
-1,103.17
158.75
-1,351.51
-871.80
-302.00
-600.44
-397.04
-912.05
-174.34
-303.66
Net Fixed Assets
-597.67
-1434.59
-1889.94
-462.02
-359.17
-456.04
-301.42
-786.51
-303.96
-246.71
Other Investment Activity
-10466.37
-11378.96
-9464.66
-7004.92
-6841.34
-6278.77
-6337.74
-5298.61
-4641.42
-4487.94
Cash from Financing Activity
7,352.43
-9,767.07
5,974.67
7,451.43
2,128.87
-693.95
450.71
-608.00
625.63
878.65
Closing Cash & Equivalent
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
22,025.15
Net Cash Inflow / Outflow
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
2,797.48
Opening Cash & Equivalents
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
19,227.67

Financial Ratios

Consolidated /

Standalone
Description
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Mar 09
Book Value
140.56
186.13
198.41
219.18
202.61
186.92
163.62
133.45
109.17
89.10
NIM
2.05
2.17
2.39
2.80
2.98
3.16
3.00
3.21
2.96
2.85
Yield on Advances
11.10
11.33
11.39
12.04
12.28
13.45
12.44
11.12
11.48
12.36
Yield on Investments
8.37
8.05
8.19
7.76
7.51
7.70
6.80
6.21
6.76
7.71
Cost of Liabilities
4.70
4.86
5.26
5.46
5.42
6.23
5.57
4.42
4.82
5.52
Interest Spread
6.41
6.47
6.12
6.58
6.86
7.21
6.87
6.70
6.65
6.84
ROCE
-17.37%
3.92%
-1.39%
7.69%
8.53%
11.53%
14.61%
16.83%
19.21%
21.28%
Cost Income Ratio
56.66
38.87
45.85
45.91
44.67
42.59
39.69
41.08
39.52
42.23
Core Cost Income Ratio
65.51
43.92
47.96
48.21
45.88
43.74
40.44
41.86
41.80
45.07
Operating Costs to Assets
1.75
1.30
1.45
1.70
1.67
1.68
1.51
1.67
1.59
1.68
Loans/Deposits
0.10
0.07
0.14
0.11
0.13
0.12
0.11
0.11
0.09
0.08
Cash/Deposits
0.04
0.04
0.05
0.05
0.05
0.04
0.05
0.08
0.07
0.08
Investment/Deposits
0.32
0.30
0.29
0.30
0.32
0.34
0.33
0.31
0.32
0.31
Inc Loan/Deposits
10.07%
6.88%
14.32%
11.49%
12.80%
11.80%
11.09%
10.95%
9.05%
8.13%
Credit Deposits
67.67%
67.38%
78.21%
78.53%
79.37%
80.27%
78.39%
78.34%
76.00%
75.22%
Interest Expended / Interest earned
68.82%
68.09%
67.57%
64.35%
62.77%
64.55%
63.45%
56.28%
60.31%
64.23%
Interest income / Total funds
6.25%
6.55%
7.13%
7.66%
7.82%
8.67%
7.97%
7.13%
7.23%
7.72%
Interest Expended / Total funds
4.30%
4.46%
4.82%
4.93%
4.91%
5.60%
5.06%
4.01%
4.36%
4.96%
CASA
40.97%
41.66%
36.58%
36.03%
37.78%
38.65%
35.05%
38.20%
40.60%
38.70%

News Update:


  • PNB terminates SPA entered with Varde
    16th May 2019, 16:20 PM

    Post termination of the agreement, the bank will continue to be the sole promoter of the PNBHF

    Read More
  • PNB sells entire stake in Experian Credit Information Company
    29th Mar 2019, 14:04 PM

    The bank has sold its entire stake of 42,00,000 unlisted equity shares in Experian Credit Information Company of India on March 28, 2019

    Read More
  • PNB enters into agreements to sell stake in PNBHFL
    29th Mar 2019, 12:04 PM

    The bank has entered into agreements for sale of 2,17,83,466 equity shares held in PNBHFL

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  • RBI imposes monetary penalty of Rs 2 crore on Punjab National Bank
    26th Mar 2019, 16:29 PM

    The penalty is for violations of regulatory directions by the bank observed during assessment of implementation of SWIFT

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  • PNB sanctions loans to 1,600 MSMEs worth Rs 689 crore
    11th Mar 2019, 09:39 AM

    MSMEs through portal can avail loans of up to Rs 1 crore in 59 minutes or less than an hour

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  • Punjab National Bank receives capital infusion of Rs 5908 crore from Government
    22nd Feb 2019, 14:14 PM

    The bank has received capital infusion of Rs 5908 crore towards contribution of Central Government

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  • PNB to get Rs 5908 crore of capital infusion from govt
    21st Feb 2019, 11:48 AM

    The meeting of Board of Directors of the Bank is scheduled to be held on February 26, 2019 for considering infusion by Government of India

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  • RBI imposes monetary penalty of 10 million on Punjab National Bank
    15th Feb 2019, 10:20 AM

    This action is based on deficiencies in regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with their customers

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  • Punjab National Bank decides to e-auction 4,000 properties to recover loans
    14th Feb 2019, 11:02 AM

    The action under the SARFAESI will help in achieving the recovery of Rs 26,000 crore during current Financial Year 2018-19

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