Nifty
Sensex
:
:
10905.20
36374.08
14.90 (0.14%)
52.79 (0.15%)

Bank - Public

Rating :
44/99

BSE: 532461 | NSE: PNB

84.55
0.30 (0.36%)
17-Jan-2019 | 3:59PM
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  84.30
  •  85.05
  •  82.95
  •  84.25
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  22181000
  •  18754.04
  •  197.00
  •  58.45

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 32,012.70
  • N/A
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 68,313.47
  • 0.27%
  • 0.79

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 66.09%
  • 1.87%
  • 7.10%
  • FII
  • DII
  • Others
  • 0.21%
  • 19.81%
  • 4.92%

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
  • 6.41
  • 9.13
  • -

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.87
  • 0.73
  • 0.68

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.63
  • 5.37
  • 4.62

Quarterly Results

Standalone Figures in Rs. Crores

Description
Sep 18
Sep 17
Var%
Jun 18
Jun 17
Var%
Mar 18
Mar 17
Var%
Dec 17
Dec 16
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 revives process to divest its 33% stake in PNB Housing Finance: Report
    10th Dec 2018, 10:36 AM

    The bank has appointed PNB Investment Services and Credit Suisse as its investor scouts

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  • PNB reports net loss of Rs 4,532 crore in Q2
    2nd Nov 2018, 12:42 PM

    Total income of the Bank decreased by 1.19% at Rs 14,035.88 crore for Q2FY19

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  • PNB - Quarterly Results
    2nd Nov 2018, 12:29 PM

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  • PNB plans to sell non-core assets worth Rs 8,600 crore during FY19
    16th Oct 2018, 09:31 AM

    The bank has already sold some of the fixed assets and have realised Rs 400 crore from these assets

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