Punjab National Bank, 532461, PNB Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

141,216.27
18.51
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

133,151.37
0.51%
1.41

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

-
-20.16
-2.68

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-1.27
-
14.84

PAT CAGR (%)

10 Years
5 Years
3 Years

0.61
0.63

P:E (Median)

8 Years
5 Years
3 Years

9.37
12.88
16.33

P:BV (Average)

8 Years
5 Years
3 Years

0.64
0.61
0.63

EV:EBITDA (Average)

8 Years
5 Years
3 Years

3.96
3.06
2.74

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Interest Earned 27,287.81 22,384.44 21.91% 26,354.92 20,154.02 30.77% 25,145.46 18,757.04 34.06% 23,848.61 18,645.12 27.91%
Interest Exp. 16,995.02 13,205.08 28.70% 16,432.00 11,883.34 38.28% 15,641.21 11,214.20 39.48% 14,349.86 11,340.99 26.53%
Net Interest Income 10,292.79 9,179.36 12.13% 9,922.92 8,270.68 19.98% 9,504.25 7,542.84 26.00% 9,498.75 7,304.13 30.05%
NIM 3.30 3.30 0.00% 3.24 3.11 4.18% 3.21 2.90 10.69% 3.38 2.86 18.18%
Other Income 2,673.84 3,337.96 -19.90% 3,028.28 2,847.24 6.36% 3,433.81 2,536.99 35.35% 3,420.34 2,450.05 39.60%
Total Income 29,961.65 25,722.40 16.48% 29,383.20 23,001.26 27.75% 28,579.27 21,294.03 34.21% 27,268.95 21,095.17 29.27%
Operating Exp. 6,635.92 6,801.42 -2.43% 6,734.77 5,550.71 21.33% 6,970.07 4,700.62 48.28% 7,052.66 4,489.42 57.10%
Operating Profit 6,330.71 5,715.90 10.76% 6,216.43 5,567.21 11.66% 5,967.99 5,379.21 10.95% 5,866.43 5,264.76 11.43%
Provision 2,739.11 4,713.34 -41.89% 3,444.18 4,906.38 -29.80% 3,965.26 4,790.19 -17.22% 3,830.58 4,851.47 -21.04%
PBT 3,591.60 1,002.56 258.24% 2,772.25 660.83 319.51% 2,002.73 589.02 240.01% 2,035.85 413.29 392.60%
PBTM 13.16 4.48 193.75% 10.52 3.28 220.73% 7.96 3.14 153.50% 8.54 2.22 284.68%
TAX 1,368.79 373.68 266.30% 1,016.12 249.56 307.16% 747.32 280.58 166.35% 877.24 211.72 314.34%
PAT 2,222.81 628.88 253.46% 1,756.13 411.27 327.00% 1,255.41 308.44 307.02% 1,158.61 201.57 474.79%
PATM 8.15% 2.81% 6.66% 2.04% 4.99% 1.64% 4.86% 1.08%
EPS 2.02 0.57 254.39% 1.59 0.37 329.73% 1.14 0.28 307.14% 1.05 0.18 483.33%
Gross NPA 60,371.38 83,583.87 -27.77% 65,563.12 87,034.79 -24.67% 70,899.34 90,167.10 -21.37% 77,327.67 92,448.04 -16.36%
Gross NPA% 6.24 9.76 -36.07% 6.96 10.48 -33.59% 7.73 11.27 -31.41% 8.74 11.78 -25.81%
Net NPA 8,815.88 26,363.13 -66.56% 13,114.12 29,348.16 -55.32% 17,129.47 31,744.31 -46.04% 22,585.04 34,908.73 -35.30%
Net NPA% 0.96 3.30 -70.91% 1.47 3.80 -61.32% 1.98 4.28 -53.74% 2.72 4.80 -43.33%
CASA 42.47 43.72 -2.86% 42.15 44.91 -6.15% 41.90 46.34 -9.58% 43.00 47.43 -9.34%

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Interest Earned 27,851.71 22,808.28 22.11% 26,857.70 20,587.91 30.45% 25,672.85 19,143.76 34.11% 24,305.34 19,089.93 27.32%
Interest Exp. 17,444.02 13,512.57 29.09% 16,819.84 12,172.05 38.18% 16,064.38 11,442.82 40.39% 14,689.55 11,496.85 27.77%
Net Interest Income 10,407.69 9,295.71 11.96% 10,037.86 8,415.86 19.27% 9,608.47 7,700.94 24.77% 9,615.79 7,593.08 26.64%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 2,675.67 3,325.25 -19.53% 2,999.35 2,703.79 10.93% 3,360.26 2,383.66 40.97% 3,826.89 2,260.66 69.28%
Total Income 30,527.38 26,133.53 16.81% 29,857.05 23,291.70 28.19% 29,033.11 21,527.42 34.87% 28,132.23 21,350.59 31.76%
Operating Exp. 6,705.37 6,859.06 -2.24% 6,798.15 5,609.92 21.18% 7,034.52 4,761.89 47.73% 7,104.81 4,546.93 56.26%
Operating Profit 6,377.99 5,761.90 10.69% 6,239.06 5,509.73 13.24% 5,934.21 5,322.71 11.49% 6,337.87 5,306.81 19.43%
Provision 2,743.63 4,718.67 -41.86% 3,460.77 4,883.29 -29.13% 3,955.02 4,760.65 -16.92% 3,708.18 4,837.15 -23.34%
PBT 3,634.36 1,043.23 248.38% 2,778.29 626.44 343.50% 1,979.19 562.06 252.13% 2,629.69 469.66 459.91%
PBTM 13.05 4.57 185.56% 10.34 3.04 240.13% 7.71 2.94 162.24% 10.82 2.46 339.84%
TAX 1,381.69 383.17 260.59% 1,013.75 262.72 285.87% 768.37 257.61 198.27% 888.58 224.61 295.61%
PAT 2,252.67 660.06 241.28% 1,764.54 363.72 385.14% 1,210.82 304.45 297.71% 1,741.11 245.05 610.51%
PATM 8.09% 2.89% 6.57% 1.77% 4.72% 1.59% 7.16% 1.28%
EPS 2.05 0.60 241.67% 1.60 0.33 384.85% 1.10 0.28 292.86% 1.58 0.22 618.18%
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Consolidated Figures in Rs. Crores /

Standalone

Description TTM Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Net Interest Income 39,218.71 34,491.64 28,694.46 30,545.61 17,437.79 17,156.31 14,922.41 14,993.17 15,311.78 16,555.57 16,145.97 Interest Earned 102,636.80 85,144.11 74,879.54 80,818.40 53,800.03 51,310.25 47,995.77 47,275.99 47,424.35 46,315.36 43,223.25 Interest Expended 63,418.09 50,652.47 46,185.08 50,272.79 36,362.24 34,153.94 33,073.36 32,282.82 32,112.57 29,759.79 27,077.28 Int. income Growth 21.43% 20.20% -6.06% 75.17% 1.64% 14.97% -0.47% -2.08% -7.51% 2.54% Other Income 12,556.27 12,142.53 12,319.96 11,922.31 9,274.13 7,377.41 8,880.87 8,951.37 6,000.05 5,890.73 4,576.71 Total Income 115,193.07 46,634.17 41,014.42 42,467.92 26,711.92 24,533.72 23,803.28 23,944.54 21,311.83 22,446.30 20,722.68 Total Expenditure 27,393.42 41,449.35 35,809.41 38,013.61 25,365.26 39,301.47 42,802.19 21,507.96 26,653.99 18,118.82 15,679.79 Employee Cost - 14,810.01 11,841.01 12,175.74 6,961.68 6,963.16 9,168.80 5,420.72 6,425.95 7,336.91 6,510.45 % Of Sales - 17.39% 15.81% 15.07% 12.94% 13.57% 19.10% 11.47% 13.55% 15.84% 15.06% Opt. & Establishment Exp. - 10,191.97 9,300.19 9,107.93 5,619.38 5,153.34 4,916.45 4,383.70 3,942.24 3,524.87 3,180.18 % Of Sales - 11.97% 12.42% 11.27% 10.44% 10.04% 10.24% 9.27% 8.31% 7.61% 7.36% Provisions - 18,240.49 16,445.43 18,679.78 13,999.56 28,341.01 29,869.28 12,553.62 17,077.26 7,997.50 6,693.94 % Of Sales - 21.42% 21.96% 23.11% 26.02% 55.23% 62.23% 26.55% 36.01% 17.27% 15.49% EBITDA 24,381.56 5,184.82 5,205.01 4,454.31 1,346.66 -14,767.75 -18,998.91 2,436.58 -5,342.16 4,327.48 5,042.89 EBITDA Margin 73.31% 15.03% 18.14% 14.58% 7.72% -86.08% -127.32% 16.25% -34.89% 26.14% 31.23% Depreciation 0.00 896.56 888.61 974.92 607.68 578.02 576.17 425.04 395.73 370.23 352.39 PBT 10,402.43 4,288.26 4,316.39 3,479.40 738.98 -15,345.77 -19,575.08 2,011.54 -5,737.89 3,957.25 4,690.51 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 4,009.47 1,781.06 859.43 1,457.78 402.79 -5,370.28 -7,292.26 686.74 -1,763.49 895.67 1,347.94 Tax Rate 38.54% 41.53% 19.91% 41.90% 54.51% 35.00% 37.25% 34.14% 30.73% 22.63% 28.74% PAT 6,392.96 2,507.20 3,456.96 2,021.62 336.19 -9,975.49 -12,282.82 1,324.80 -3,974.40 3,061.58 3,342.57 PAT before Minority Interest 6,392.96 2,507.20 3,456.96 2,021.62 336.19 -9,975.49 -12,282.82 1,324.80 -3,974.40 3,061.58 3,342.57 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 12.35% 5.38% 8.43% 4.76% 1.26% -40.66% -51.60% 5.53% -18.65% 13.64% 16.13% PAT Growth 312.41% -27.47% 71.00% 501.33% 0 0 -1027.15% 0 -229.82% -8.41% EPS 5.81 2.28 3.14 1.84 0.31 -9.06 -11.16 1.20 -3.61 2.78 3.04

Description TTM Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Net Interest Income 39,669.81 35,028.30 29,418.75 31,130.45 17,921.01 17,491.47 15,194.46 15,335.77 16,473.28 17,366.77 16,737.82 Interest Earned 104,687.60 86,845.29 76,241.83 81,935.03 54,918.48 52,147.13 48,724.85 48,058.08 50,803.87 48,709.82 44,958.09 Interest Expended 65,017.79 51,816.99 46,823.08 50,804.58 36,997.47 34,655.66 33,530.39 32,722.31 34,330.59 31,343.05 28,220.27 Int. income Growth 20.19% 19.07% -5.50% 73.71% 2.46% 15.12% -0.92% -6.91% -5.14% 3.76% Other Income 12,862.17 12,239.59 12,097.66 12,234.91 9,387.65 7,367.40 8,883.34 9,167.58 6,099.63 6,174.60 4,710.34 Total Income 117,549.77 47,267.89 41,516.41 43,365.36 27,308.66 24,858.87 24,077.80 24,503.35 22,572.91 23,541.37 21,448.16 Total Expenditure 27,642.85 41,501.60 36,025.78 38,600.78 25,867.21 39,644.66 43,345.47 22,532.81 27,452.88 18,760.30 16,112.09 Employee Cost - 14,942.59 11,971.93 12,296.72 7,060.02 7,047.54 9,242.37 5,482.33 6,564.49 7,469.12 6,616.39 % Of Sales - 17.21% 15.70% 15.01% 12.86% 13.51% 18.97% 11.41% 12.92% 15.33% 14.72% Opt. & Establishment Exp. - 10,297.96 9,415.01 9,201.28 5,704.91 5,225.73 4,981.25 4,471.66 4,198.54 3,723.86 3,331.72 % Of Sales - 11.86% 12.35% 11.23% 10.39% 10.02% 10.22% 9.30% 8.26% 7.64% 7.41% Provisions - 18,070.79 16,431.18 19,067.24 14,331.16 28,539.41 30,283.91 13,439.70 17,516.15 8,335.30 6,897.22 % Of Sales - 20.81% 21.55% 23.27% 26.10% 54.73% 62.15% 27.97% 34.48% 17.11% 15.34% EBITDA 24,889.13 5,766.29 5,490.63 4,764.58 1,441.45 -14,785.79 -19,267.67 1,970.54 -4,879.97 4,781.07 5,336.07 EBITDA Margin 73.59% 16.46% 18.66% 15.31% 8.04% -84.53% -126.81% 12.85% -29.62% 27.53% 31.88% Depreciation 0.00 904.87 896.17 982.23 614.44 584.01 581.03 430.44 413.15 383.99 366.62 PBT 11,021.53 4,861.42 4,594.46 3,782.35 827.00 -15,369.80 -19,848.70 1,540.10 -5,293.12 4,397.08 4,969.45 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 4,052.39 1,792.08 918.50 1,629.93 463.67 -5,343.39 -7,264.36 638.97 -1,629.85 1,055.67 1,434.84 Tax Rate 36.77% 36.86% 19.99% 43.09% 56.07% 34.77% 36.60% 41.49% 30.79% 24.01% 28.87% PAT 6,928.06 3,059.01 3,629.11 2,019.80 316.85 -10,046.50 -12,586.44 849.15 -3,842.96 3,215.57 3,477.77 PAT before Minority Interest 6,969.14 3,069.34 3,675.96 2,152.42 363.33 -10,026.41 -12,584.34 901.13 -3,663.27 3,341.41 3,534.61 Minority Interest -41.08 -10.33 -46.85 -132.62 -46.48 -20.09 -2.10 -51.98 -179.69 -125.84 -56.84 PAT Margin 13.19% 6.47% 8.74% 4.66% 1.16% -40.41% -52.27% 3.47% -17.02% 13.66% 16.21% PAT Growth 342.97% -15.71% 79.68% 537.46% 0 0 -1582.24% 0 -219.51% -7.54% EPS 6.33 2.78 3.30 1.83 0.29 -9.12 -11.43 0.77 -3.49 2.92 3.16

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Shareholder's Funds 99,855.66 95,486.90 90,937.31 62,357.49 44,787.12 41,074.31 42,097.46 38,310.14 39,079.52 35,895.32 Share Capital 2,202.20 2,202.20 2,095.54 1,347.51 920.81 552.11 425.59 392.72 370.91 362.07 Total Reserves 97,653.46 93,284.69 88,841.77 61,009.97 43,866.32 40,522.19 41,671.87 37,917.42 38,708.61 35,533.25 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 1,281,163.10 1,146,218.45 1,106,332.47 703,846.32 676,030.14 642,226.19 621,704.02 553,051.13 501,378.64 451,396.75 Borrowings 51,291.73 45,681.41 42,840.31 50,225.43 39,325.92 60,850.75 40,763.34 59,755.24 45,670.55 48,034.41 Other Liabilities & Provisions 29,520.87 27,418.27 20,522.52 14,236.68 14,806.29 21,678.86 15,765.73 16,273.94 17,204.89 15,093.44 Total Liabilities 1,461,831.36 1,314,805.03 1,260,632.61 830,665.92 774,949.47 765,830.11 720,330.55 667,390.45 603,333.60 550,419.92 Net Block 12,051.07 10,673.61 11,020.90 7,264.31 6,250.09 6,374.57 6,298.49 5,247.97 3,576.71 3,444.98 Gross Block 23,151.01 20,877.00 20,335.67 12,304.85 10,887.02 10,625.12 10,027.45 8,592.86 6,702.92 6,240.90 Accumulated Depreciation 11,099.94 10,203.38 9,314.78 5,040.55 4,636.93 4,250.56 3,728.96 3,344.89 3,126.20 2,795.92 Total Non-Current Assets 1,393,990.58 1,243,673.83 1,189,583.94 795,525.46 741,890.31 735,852.03 700,823.49 651,017.51 589,897.00 541,692.81 Lease Adjustment A/c 0.00 0.00 0.00 -25.24 -25.24 -25.24 -25.24 -25.24 -25.24 -25.24 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 78,176.58 85,736.12 43,958.83 38,397.85 32,129.13 28,789.03 25,210.00 26,479.07 24,224.94 22,245.58 Balance with banks and money at call 76,932.23 46,910.66 67,390.88 37,595.18 43,158.91 66,672.97 63,121.65 49,144.02 31,709.23 22,972.87 Investments 395,996.72 372,167.76 392,983.25 240,465.64 202,128.22 200,305.98 186,725.44 157,845.89 149,876.95 143,785.50 Advances 830,833.98 728,185.68 674,230.08 471,827.72 458,249.20 433,734.72 419,493.15 412,325.80 380,534.41 349,269.12 Other Assets 67,840.78 71,131.20 71,048.68 35,140.45 33,059.15 29,978.07 19,507.06 16,372.94 13,436.59 8,727.10 Total Assets 1,461,831.36 1,314,805.03 1,260,632.62 830,665.91 774,949.46 765,830.10 720,330.55 667,390.45 603,333.59 550,419.91 Contingent Liabilities 644,471.88 605,180.05 383,279.78 210,800.74 305,400.13 304,127.70 332,831.33 335,795.92 273,945.38 216,274.78 Bills for collection 34,377.60 37,786.05 40,491.16 28,049.91 27,335.90 27,858.61 25,779.13 23,221.19 19,640.62 20,325.97 Adjusted Book Value 83.01 80.32 79.92 85.49 89.50 135.44 180.20 180.61 203.24 190.50

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Shareholder's Funds 102,880.50 97,581.92 92,534.34 63,876.37 46,084.36 41,517.30 43,415.34 41,804.25 42,039.44 38,093.22 Share Capital 2,202.20 2,202.20 2,095.54 1,347.51 920.81 552.11 425.59 392.72 370.91 362.07 Total Reserves 100,678.30 95,379.72 90,438.80 62,528.86 45,163.55 40,965.19 42,989.75 41,411.53 41,668.53 37,731.15 Minority Interest 459.38 473.46 486.79 360.69 287.70 308.53 780.63 728.65 548.95 423.11 Deposits 1,290,347.07 1,154,234.46 1,113,716.86 710,254.37 681,874.18 648,439.01 629,650.86 570,382.64 515,245.43 461,203.53 Borrowings 70,148.62 59,371.67 52,298.14 62,512.41 46,827.97 65,329.66 43,336.01 81,673.74 59,204.76 59,033.31 Other Liabilities & Provisions 29,813.38 27,639.62 20,688.92 14,453.41 15,045.51 21,933.57 16,128.07 18,203.68 18,972.59 16,067.31 Total Liabilities 1,493,648.95 1,339,301.13 1,279,725.05 851,457.25 790,119.72 777,528.07 733,310.91 712,792.96 636,011.17 574,820.48 Net Block 12,083.97 10,696.21 11,048.70 7,261.98 6,246.22 6,370.99 6,297.76 5,308.12 3,655.77 3,490.44 Gross Block 23,273.34 20,982.82 20,441.02 12,402.65 10,975.65 10,670.94 10,072.46 8,754.00 6,887.30 6,378.11 Accumulated Depreciation 11,189.37 10,286.61 9,392.32 5,140.67 4,729.43 4,299.95 3,774.70 3,445.88 3,231.53 2,887.67 Total Non-Current Assets 1,423,785.27 1,267,241.74 1,208,097.86 815,653.54 756,536.74 747,103.60 713,434.50 695,567.01 623,290.71 565,654.34 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 78,213.52 86,127.84 44,267.27 38,603.79 32,338.32 29,028.91 25,410.36 26,492.19 24,435.78 22,406.14 Balance with banks and money at call 79,114.96 48,066.04 69,067.16 39,151.96 44,957.65 68,459.24 65,968.73 52,557.19 33,823.44 24,459.85 Investments 416,913.84 388,585.82 404,368.96 253,782.47 210,578.32 204,418.68 191,527.16 165,126.48 156,761.66 149,224.70 Advances 837,458.98 733,765.83 679,345.77 476,853.34 462,416.23 438,825.78 424,230.49 446,083.03 404,614.06 366,073.21 Other Assets 69,863.68 72,059.39 71,627.19 35,803.70 33,582.98 30,424.47 19,876.41 17,225.95 12,720.46 9,166.14 Total Assets 1,493,648.95 1,339,301.13 1,279,725.05 851,457.24 790,119.72 777,528.07 733,310.91 712,792.96 636,011.17 574,820.48 Contingent Liabilities 645,263.22 606,685.43 385,387.96 213,299.33 307,895.89 308,790.20 338,851.04 339,168.05 282,956.16 221,673.88 Bills for collection 34,377.60 37,786.05 40,493.76 28,052.60 27,866.28 27,898.25 25,805.94 23,255.66 19,640.62 20,325.97 Adjusted Book Value 85.76 82.22 81.44 87.74 92.31 137.05 186.13 198.41 219.18 202.61

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Cash From Operating Activity 21,779.97 20,463.62 1,192.13 -12,612.60 -30,892.51 1,011.69 12,497.05 17,045.37 5,618.67 17,729.12 PBT 4,288.27 4,316.40 3,479.40 738.98 -15,345.76 -19,575.08 2,011.54 -5,737.88 3,957.25 4,690.51 Adjustment 23,648.58 19,711.15 22,342.14 15,648.52 31,048.20 32,173.78 14,587.49 19,965.91 9,562.31 8,001.38 Adjustments for Liabilities & Assets -4,984.68 -2,013.52 -24,473.10 -26,876.76 -46,182.26 -9,834.39 -2,713.97 4,289.49 -5,541.91 6,646.62 Refund/(Payment) of direct taxes -1,172.20 -1,550.41 -156.31 -2,123.33 -412.69 -1,752.62 -1,388.01 -1,472.15 -2,358.98 -1,609.39 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 -682.24 -1,207.35 -839.17 -239.48 -260.37 -1,288.01 -527.18 -782.74 -848.67 -634.40 Net Fixed Assets -2274.01 -541.33 -8030.82 -1417.83 -261.90 -597.67 -1434.59 -1889.94 -462.02 -359.17 Other Investment Activity -24358.36 -21716.17 -20575.15 -12565.22 -12175.03 -11152.30 -10810.19 -9441.53 -7337.32 -6891.75 Cash from Financing Activity 1,364.30 2,040.80 5,292.89 13,557.07 10,978.92 7,406.67 738.69 856.29 5,945.72 988.35 Closing Cash & Equivalent 155,108.81 132,646.77 111,349.70 75,993.03 75,288.04 95,462.00 88,331.65 75,623.09 55,934.17 45,218.45 Net Cash Inflow / Outflow 22,462.04 21,297.07 5,645.85 704.99 -20,173.96 7,130.36 12,708.56 17,118.92 10,715.73 18,083.06 Opening Cash & Equivalents 132,646.77 111,349.70 105,703.85 75,288.04 95,462.00 88,331.65 75,623.09 58,504.17 45,218.45 27,135.38

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Cash From Operating Activity 22,592.09 20,032.33 1,239.53 -12,793.04 -33,531.96 -1,742.13 21,938.03 14,167.00 4,813.60 16,906.09 PBT 5,140.53 4,779.30 4,194.00 902.13 -14,888.37 -19,373.08 1,878.18 -5,113.64 4,596.27 5,108.75 Adjustment 22,945.12 19,752.86 22,357.19 15,959.87 28,468.09 27,678.15 15,392.31 20,471.45 9,966.59 8,202.58 Adjustments for Liabilities & Assets -4,289.41 -2,870.71 -24,997.34 -27,456.94 -47,081.88 -8,265.22 6,084.88 380.70 -7,192.92 5,320.04 Refund/(Payment) of direct taxes -1,204.15 -1,629.12 -314.32 -2,198.10 -29.80 -1,781.98 -1,417.34 -1,571.51 -2,556.34 -1,725.28 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 -732.47 -1,204.38 -786.84 -338.33 -629.17 391.65 158.75 -1,351.51 -871.80 -302.00 Net Fixed Assets -2274.01 -541.33 -8030.82 -1417.83 -261.90 -597.67 -1434.59 -1889.94 -462.02 -359.17 Other Investment Activity -24355.39 -21663.84 -20674.00 -12934.02 -10495.37 -10466.37 -11378.96 -9464.66 -7004.92 -6841.34 Cash from Financing Activity 1,274.98 2,031.50 5,415.17 13,591.15 13,968.95 7,459.54 -9,767.07 5,974.67 7,451.43 2,128.87 Closing Cash & Equivalent 157,328.48 134,193.88 113,334.43 77,755.75 77,295.97 97,488.15 91,379.09 77,049.38 58,259.22 46,865.99 Net Cash Inflow / Outflow 23,134.60 20,859.45 5,867.86 459.78 -20,192.18 6,109.06 12,329.71 18,790.16 11,393.23 18,732.96 Opening Cash & Equivalents 134,193.88 113,334.43 77,755.75 77,295.97 97,488.15 91,379.09 79,049.38 58,259.22 46,865.99 28,133.03

Financial Ratios

Consolidated /

Standalone

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Book Value 83.01 80.32 79.92 85.49 89.50 135.44 180.20 180.61 203.24 190.50 NIM 2.50 2.33 2.59 2.21 2.33 2.05 2.16 2.37 2.82 3.00 Yield on Advances 10.25 10.28 11.99 11.40 11.20 11.07 11.27 11.50 12.17 12.38 Yield on Investments 6.61 7.16 7.38 7.05 7.52 8.59 8.16 8.26 7.75 7.52 Cost of Liabilities 3.80 3.87 4.37 4.82 4.77 4.70 4.87 5.24 5.44 5.42 Interest Spread 6.45 6.41 7.61 6.58 6.42 6.36 6.40 6.26 6.73 6.95 ROCE 5.54% 5.28% 5.36% 2.77% -14.42% -18.35% 4.82% -3.75% 7.23% 8.38% Cost Income Ratio 51.69 49.38 47.82 44.82 47.03 56.75 39.17 46.79 46.74 45.06 Core Cost Income Ratio 50.46 53.19 52.16 47.74 49.22 65.75 44.05 49.10 48.97 46.29 Operating Costs to Assets 1.65 1.54 1.61 1.44 1.49 1.76 1.30 1.49 1.74 1.70 Loans/Deposits 0.04 0.04 0.04 0.07 0.06 0.09 0.07 0.11 0.09 0.11 Cash/Deposits 0.06 0.07 0.04 0.05 0.05 0.04 0.04 0.05 0.05 0.05 Investment/Deposits 0.31 0.32 0.36 0.34 0.30 0.31 0.30 0.29 0.30 0.32 Inc Loan/Deposits 4.00% 3.99% 3.87% 7.14% 5.82% 9.47% 6.56% 10.80% 9.11% 10.64% Credit Deposits 64.85% 63.53% 60.94% 67.04% 67.79% 67.54% 67.47% 74.55% 75.90% 77.38% Interest Expended / Interest earned 59.49% 61.68% 62.20% 67.59% 66.56% 68.91% 68.29% 67.71% 64.25% 62.65% Interest income / Total funds 5.82% 5.70% 6.41% 6.48% 6.62% 6.27% 6.56% 7.11% 7.68% 7.85% Interest Expended / Total funds 3.47% 3.51% 3.99% 4.38% 4.41% 4.32% 4.48% 4.81% 4.93% 4.92% CASA 41.99% 46.56% 44.54% 42.97% 42.16% 40.99% 41.82% 37.17% 36.66% 38.30%

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Book Value 85.76 82.22 81.44 87.74 92.31 137.05 186.13 198.41 219.18 202.61 NIM 2.48 2.34 2.60 2.22 2.33 2.05 2.17 2.39 2.80 2.98 Yield on Advances 10.37 10.39 12.06 11.52 11.28 11.10 11.33 11.39 12.04 12.28 Yield on Investments 6.52 7.04 7.43 7.02 7.45 8.43 8.05 8.19 7.76 7.51 Cost of Liabilities 3.81 3.86 4.36 4.79 4.76 4.70 4.86 5.26 5.46 5.42 Interest Spread 6.56 6.53 7.70 6.73 6.52 6.41 6.47 6.12 6.58 6.86 ROCE 5.86% 5.34% 5.39% 3.04% -13.05% -17.46% 3.92% -1.39% 7.69% 8.53% Cost Income Ratio 51.48 49.36 47.31 44.49 47.02 56.66 38.87 45.85 45.91 44.67 Core Cost Income Ratio 50.40 52.75 51.84 47.47 49.14 65.51 43.92 47.96 48.21 45.88 Operating Costs to Assets 1.63 1.53 1.60 1.43 1.48 1.75 1.30 1.45 1.70 1.67 Loans/Deposits 0.05 0.05 0.05 0.09 0.07 0.10 0.07 0.14 0.11 0.13 Cash/Deposits 0.06 0.07 0.04 0.05 0.05 0.04 0.04 0.05 0.05 0.05 Investment/Deposits 0.32 0.34 0.36 0.36 0.31 0.32 0.30 0.29 0.30 0.32 Inc Loan/Deposits 5.44% 5.14% 4.70% 8.80% 6.87% 10.07% 6.88% 14.32% 11.49% 12.80% Credit Deposits 64.90% 63.57% 61.00% 67.14% 67.82% 67.67% 67.38% 78.21% 78.53% 79.37% Interest Expended / Interest earned 59.67% 61.41% 62.01% 67.37% 66.46% 68.82% 68.09% 67.57% 64.35% 62.77% Interest income / Total funds 5.81% 5.69% 6.40% 6.45% 6.60% 6.27% 6.55% 7.13% 7.66% 7.82% Interest Expended / Total funds 3.47% 3.50% 3.97% 4.35% 4.39% 4.31% 4.46% 4.82% 4.93% 4.91% CASA 41.92% 46.45% 44.45% 42.86% 42.15% 40.97% 41.66% 36.58% 36.03% 37.78%

Top Investors:

life insurance corporation of india

quant mutual fund - quant small cap fund

Annual Reports:

News Update:

PNB raises Rs 1859 crore through Bonds
23rd Mar 2024, 12:39 PM

The non-convertible taxable bonds will qualify as Additional Tier I capital
Read More
Punjab National Bank planning to raise fund through Bonds
22nd Mar 2024, 18:18 PM

A meeting of the Board of Directors of the Bank is scheduled on March 28, 2024 for inter alia considering the proposal of the same
Read More
Punjab National Bank reports over 3-fold jump in Q3 consolidated net profit
25th Jan 2024, 17:04 PM

Consolidated total income of the bank increased by 16.81% at Rs 30527.38 crore for Q3FY24
Read More
PNB - Quarterly Results
25th Jan 2024, 14:20 PM

Read More

Punjab National Bank

Bank - Public

BSE: 532461 | NSE: PNB

Stock Summary

Chart

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

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 /

Top Investors:

Annual Reports:

News Update:

Punjab National Bank

Bank - Public

BSE: 532461 | NSE: PNB

Stock Summary

Shareholding Pattern

Chart

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

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 /

Top Investors:

Annual Reports:

News Update: