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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,47,282.07
8.07
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

1,88,699.40
2.26%
1.02

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
53.77
78.40

PAT CAGR (%)

10 Years
5 Years
3 Years

0.78
0.99

P:E (Median)

8 Years
5 Years
3 Years

8.74
13.03
10.75

P:BV (Average)

8 Years
5 Years
3 Years

0.71
0.78
0.99

EV:EBITDA (Average)

8 Years
5 Years
3 Years

3.90
3.73
4.62

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var%
Interest Earned 32,231.00 31,339.83 2.84% 31,871.53 29,875.01 6.68% 31,963.94 28,556.43 11.93% 31,989.46 28,113.43 13.79%
Interest Exp. 21,698.42 20,307.58 6.85% 21,402.73 19,358.32 10.56% 21,385.85 18,080.18 18.28% 21,232.48 17,750.32 19.62%
Net Interest Income 10,532.58 11,032.25 -4.53% 10,468.80 10,516.69 -0.46% 10,578.09 10,476.25 0.97% 10,756.98 10,363.11 3.80%
NIM 2.65 3.09 -14.24% 2.72 3.06 -11.11% 2.84 3.21 -11.53% 2.96 3.25 -8.92%
Other Income 5,022.08 3,411.87 47.19% 4,342.09 4,572.09 -5.03% 5,267.82 3,609.52 45.94% 4,715.89 4,247.61 11.02%
Total Income 37,253.08 34,751.70 7.20% 36,213.62 34,447.10 5.13% 37,231.76 32,165.95 15.75% 36,705.35 32,361.04 13.42%
Operating Exp. 8,073.79 7,823.57 3.20% 7,583.83 8,235.47 -7.91% 8,764.56 7,504.61 16.79% 8,697.22 8,195.04 6.13%
Operating Profit 7,480.87 6,620.55 12.99% 7,227.06 6,853.31 5.45% 7,081.35 6,581.16 7.60% 6,775.65 6,415.68 5.61%
Provision 1,150.04 -285.40 - 643.08 288.01 123.28% 323.10 1,312.32 -75.38% 359.67 1,588.05 -77.35%
PBT 6,330.83 6,905.95 -8.33% 6,583.98 6,565.30 0.28% 6,758.25 5,268.84 28.27% 6,415.98 4,827.63 32.90%
PBTM 19.64 22.04 -10.89% 20.66 21.98 -6.01% 21.14 18.45 14.58% 20.06 17.17 16.83%
TAX 1,230.68 2,397.74 -48.67% 1,680.25 2,261.84 -25.71% 5,083.25 2,017.31 151.98% 1,848.98 1,817.36 1.74%
PAT 5,100.15 4,508.21 13.13% 4,903.73 4,303.46 13.95% 1,675.00 3,251.53 -48.49% 4,567.00 3,010.27 51.71%
PATM 15.82% 14.38% 15.39% 14.40% 5.24% 11.39% 14.28% 10.71%
EPS 4.44 3.92 13.27% 4.27 3.74 14.17% 1.46 2.95 -50.51% 3.97 2.73 45.42%
Gross NPA 39,314.21 45,413.98 -13.43% 40,343.33 47,582.25 -15.21% 42,672.97 51,262.78 -16.76% 44,081.60 56,343.05 -21.76%
Gross NPA% 3.19 4.09 -22.00% 3.45 4.48 -22.99% 3.78 4.98 -24.10% 3.95 5.73 -31.06%
Net NPA 3,833.70 4,437.43 -13.61% 4,025.75 4,674.24 -13.87% 4,132.24 5,930.06 -30.32% 4,290.55 6,798.77 -36.89%
Net NPA% 0.32 0.41 -21.95% 0.36 0.46 -21.74% 0.38 0.60 -36.67% 0.40 0.73 -45.21%
CASA 37.10 38.12 -2.68% 37.29 39.31 -5.14% 36.99 40.08 -7.71% 37.95 41.44 -8.42%

Description Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var%
Interest Earned 32,889.23 31,894.80 3.12% 32,512.76 30,447.42 6.78% 32,572.33 29,144.54 11.76% 32,523.09 28,682.32 13.39%
Interest Exp. 22,164.43 20,737.68 6.88% 21,857.86 19,790.35 10.45% 21,828.33 18,536.31 17.76% 21,639.50 18,205.92 18.86%
Net Interest Income 10,724.80 11,157.12 -3.87% 10,654.90 10,657.07 -0.02% 10,744.00 10,608.23 1.28% 10,883.59 10,476.40 3.89%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 5,013.43 3,391.63 47.82% 4,171.02 4,664.05 -10.57% 5,426.51 3,615.35 50.10% 4,775.93 4,294.15 11.22%
Total Income 37,902.66 35,286.43 7.41% 36,683.78 35,111.47 4.48% 37,998.84 32,759.89 15.99% 37,299.02 32,976.47 13.11%
Operating Exp. 8,167.91 7,897.13 3.43% 7,671.04 8,312.32 -7.71% 8,851.98 7,569.95 16.94% 8,771.06 8,270.94 6.05%
Operating Profit 7,570.32 6,651.62 13.81% 7,154.88 7,008.80 2.08% 7,318.53 6,653.63 9.99% 6,888.46 6,499.61 5.98%
Provision 1,130.44 -403.42 - 627.80 280.16 124.09% 345.11 902.56 -61.76% 370.67 1,559.74 -76.24%
PBT 6,439.88 7,055.04 -8.72% 6,527.08 6,728.64 -3.00% 6,973.42 5,751.07 21.25% 6,517.79 4,939.87 31.94%
PBTM 19.58 22.12 -11.48% 20.08 22.10 -9.14% 21.41 19.73 8.51% 20.04 17.22 16.38%
TAX 1,250.09 2,406.44 -48.05% 1,678.44 2,296.65 -26.92% 5,141.20 2,034.90 152.65% 1,874.92 1,838.99 1.95%
PAT 5,189.79 4,648.60 11.64% 4,848.64 4,431.99 9.40% 1,832.22 3,716.17 -50.70% 4,642.87 3,100.88 49.73%
PATM 15.78% 14.57% 14.91% 14.56% 5.63% 12.75% 14.28% 10.81%
EPS 4.52 4.04 11.88% 4.22 3.86 9.33% 1.59 3.23 -50.77% 4.04 2.70 49.63%
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 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Interest Income 42,336.45 42,782.17 40,083.07 34,491.64 28,694.46 30,545.61 17,437.79 17,156.31 14,922.41 14,993.17 15,311.78 Interest Earned 1,28,055.93 1,21,760.73 1,06,901.62 85,144.11 74,879.54 80,818.40 53,800.03 51,310.25 47,995.77 47,275.99 47,424.35 Interest Expended 85,719.48 78,978.56 66,818.55 50,652.47 46,185.08 50,272.79 36,362.24 34,153.94 33,073.36 32,282.82 32,112.57 Int. income Growth -0.12% 6.73% 16.21% 20.20% -6.06% 75.17% 1.64% 14.97% -0.47% -2.08% Other Income 19,347.88 16,309.37 13,383.54 12,142.53 12,319.96 11,922.31 9,274.13 7,377.41 8,880.87 8,951.37 6,000.05 Total Income 1,47,403.81 59,091.54 53,466.61 46,634.17 41,014.42 42,467.92 26,711.92 24,533.72 23,803.28 23,944.54 21,311.83 Total Expenditure 33,119.40 32,987.90 39,377.15 41,449.35 35,809.41 38,013.61 25,365.26 39,301.47 42,802.19 21,507.96 26,653.99 Employee Cost - 21,357.72 18,486.31 14,810.01 11,841.01 12,175.74 6,961.68 6,963.16 9,168.80 5,420.72 6,425.95 % Of Sales - 17.54% 17.29% 17.39% 15.81% 15.07% 12.94% 13.57% 19.10% 11.47% 13.55% Opt. & Establishment Exp. - 11,850.72 10,944.74 10,191.97 9,300.19 9,107.93 5,619.38 5,153.34 4,916.45 4,383.70 3,942.24 % Of Sales - 9.73% 10.24% 11.97% 12.42% 11.27% 10.44% 10.04% 10.24% 9.27% 8.31% Provisions - 1,674.60 11,736.60 18,240.49 16,445.43 18,679.78 13,999.56 28,341.01 29,869.28 12,553.62 17,077.26 % Of Sales - 1.38% 10.98% 21.42% 21.96% 23.11% 26.02% 55.23% 62.23% 26.55% 36.01% EBITDA 28,564.93 26,103.64 14,089.46 5,184.82 5,205.01 4,454.31 1,346.66 -14,767.75 -18,998.91 2,436.58 -5,342.16 EBITDA Margin 74.14% 61.02% 35.15% 15.03% 18.14% 14.58% 7.72% -86.08% -127.32% 16.25% -34.89% Depreciation 0.00 947.57 895.25 896.56 888.61 974.92 607.68 578.02 576.17 425.04 395.73 PBT 26,089.04 25,156.07 13,194.21 4,288.26 4,316.39 3,479.40 738.98 -15,345.77 -19,575.08 2,011.54 -5,737.89 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 9,843.16 8,525.87 4,949.59 1,781.06 859.43 1,457.78 402.79 -5,370.28 -7,292.26 686.74 -1,763.49 Tax Rate 37.73% 33.89% 37.51% 41.53% 19.91% 41.90% 54.51% 35.00% 37.25% 34.14% 30.73% PAT 16,245.88 16,630.20 8,244.62 2,507.20 3,456.96 2,021.62 336.19 -9,975.49 -12,282.82 1,324.80 -3,974.40 PAT before Minority Interest 16,245.88 16,630.20 8,244.62 2,507.20 3,456.96 2,021.62 336.19 -9,975.49 -12,282.82 1,324.80 -3,974.40 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 26.34% 28.14% 15.42% 5.38% 8.43% 4.76% 1.26% -40.66% -51.60% 5.53% -18.65% PAT Growth 7.78% 101.71% 228.84% -27.47% 71.00% 501.33% 0 0 -1027.15% 0 EPS 14.14 14.47 7.17 2.18 3.01 1.76 0.29 -8.68 -10.69 1.15 -3.46

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Interest Income 43,007.29 43,306.01 40,530.42 35,028.30 29,418.75 31,130.45 17,921.01 17,491.47 15,194.46 15,335.77 16,473.28 Interest Earned 1,30,497.41 1,24,009.85 1,09,064.58 86,845.29 76,241.83 81,935.03 54,918.48 52,147.13 48,724.85 48,058.08 50,803.87 Interest Expended 87,490.12 80,703.84 68,534.16 51,816.99 46,823.08 50,804.58 36,997.47 34,655.66 33,530.39 32,722.31 34,330.59 Int. income Growth 0.25% 6.85% 15.71% 19.07% -5.50% 73.71% 2.46% 15.12% -0.92% -6.91% Other Income 19,386.89 16,446.96 13,329.43 12,239.59 12,097.66 12,234.91 9,387.65 7,367.40 8,883.34 9,167.58 6,099.63 Total Income 1,49,884.30 59,752.97 53,859.85 47,267.89 41,516.41 43,365.36 27,308.66 24,858.87 24,077.80 24,503.35 22,572.91 Total Expenditure 33,461.99 32,742.92 39,622.54 41,501.60 36,025.78 38,600.78 25,867.21 39,644.66 43,345.47 22,532.81 27,452.88 Employee Cost - 21,548.69 18,643.24 14,942.59 11,971.93 12,296.72 7,060.02 7,047.54 9,242.37 5,482.33 6,564.49 % Of Sales - 17.38% 17.09% 17.21% 15.70% 15.01% 12.86% 13.51% 18.97% 11.41% 12.92% Opt. & Establishment Exp. - 11,959.28 11,071.34 10,297.96 9,415.01 9,201.28 5,704.91 5,225.73 4,981.25 4,471.66 4,198.54 % Of Sales - 9.64% 10.15% 11.86% 12.35% 11.23% 10.39% 10.02% 10.22% 9.30% 8.26% Provisions - 1,149.97 11,719.16 18,070.79 16,431.18 19,067.24 14,331.16 28,539.41 30,283.91 13,439.70 17,516.15 % Of Sales - 0.93% 10.75% 20.81% 21.55% 23.27% 26.10% 54.73% 62.15% 27.97% 34.48% EBITDA 28,932.19 27,010.05 14,237.31 5,766.29 5,490.63 4,764.58 1,441.45 -14,785.79 -19,267.67 1,970.54 -4,879.97 EBITDA Margin 74.36% 62.37% 35.13% 16.46% 18.66% 15.31% 8.04% -84.53% -126.81% 12.85% -29.62% Depreciation 0.00 957.51 905.60 904.87 896.17 982.23 614.44 584.01 581.03 430.44 413.15 PBT 26,458.17 26,052.54 13,331.71 4,861.42 4,594.46 3,782.35 827.00 -15,369.80 -19,848.70 1,540.10 -5,293.12 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 9,944.65 8,612.91 5,002.80 1,792.08 918.50 1,629.93 463.67 -5,343.39 -7,264.36 638.97 -1,629.85 Tax Rate 37.59% 33.06% 37.53% 36.86% 19.99% 43.09% 56.07% 34.77% 36.60% 41.49% 30.79% PAT 16,428.46 17,367.31 8,278.96 3,059.01 3,629.11 2,019.80 316.85 -10,046.50 -12,586.44 849.15 -3,842.96 PAT before Minority Interest 16,513.52 17,439.63 8,328.91 3,069.34 3,675.96 2,152.42 363.33 -10,026.41 -12,584.34 901.13 -3,663.27 Minority Interest -85.06 -72.32 -49.95 -10.33 -46.85 -132.62 -46.48 -20.09 -2.10 -51.98 -179.69 PAT Margin 26.33% 29.07% 15.37% 6.47% 8.74% 4.66% 1.16% -40.41% -52.27% 3.47% -17.02% PAT Growth 3.87% 109.78% 170.64% -15.71% 79.68% 537.46% 0 0 -1582.24% 0 EPS 14.37 15.11 7.20 2.66 3.16 1.76 0.28 -8.74 -10.95 0.74 -3.34

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 1,27,362.25 1,06,476.57 99,855.66 95,486.90 90,937.31 62,357.49 44,787.12 41,074.31 42,097.46 38,310.14 Share Capital 2,298.59 2,202.20 2,202.20 2,202.20 2,095.54 1,347.51 920.81 552.11 425.59 392.72 Total Reserves 1,25,063.66 1,04,274.37 97,653.46 93,284.69 88,841.77 61,009.97 43,866.32 40,522.19 41,671.87 37,917.42 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 15,66,623.28 13,69,712.81 12,81,163.10 11,46,218.45 11,06,332.47 7,03,846.32 6,76,030.14 6,42,226.19 6,21,704.02 5,53,051.13 Borrowings 83,776.72 50,429.85 51,291.73 45,681.41 42,840.31 50,225.43 39,325.92 60,850.75 40,763.34 59,755.24 Other Liabilities & Provisions 40,408.49 35,215.77 29,520.87 27,418.27 20,522.52 14,236.68 14,806.29 21,678.86 15,765.73 16,273.94 Total Liabilities 18,18,170.74 15,61,835.00 14,61,831.36 13,14,805.03 12,60,632.61 8,30,665.92 7,74,949.47 7,65,830.11 7,20,330.55 6,67,390.45 Net Block 13,053.39 12,318.77 12,051.07 10,673.61 11,020.90 7,264.31 6,250.09 6,374.57 6,298.49 5,247.97 Gross Block 23,243.76 24,313.17 23,151.01 20,877.00 20,335.67 12,304.85 10,887.02 10,625.12 10,027.45 8,592.86 Accumulated Depreciation 10,190.37 11,994.40 11,099.94 10,203.38 9,314.78 5,040.55 4,636.93 4,250.56 3,728.96 3,344.89 Total Non-Current Assets 17,36,559.05 14,96,172.15 13,93,990.58 12,43,673.83 11,89,583.94 7,95,525.46 7,41,890.31 7,35,852.03 7,00,823.49 6,51,017.51 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 -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 64,304.61 65,032.91 78,176.58 85,736.12 43,958.83 38,397.85 32,129.13 28,789.03 25,210.00 26,479.07 Balance with banks and money at call 84,415.23 64,071.67 76,932.23 46,910.66 67,390.88 37,595.18 43,158.91 66,672.97 63,121.65 49,144.02 Investments 4,97,311.25 4,20,318.21 3,95,996.72 3,72,167.76 3,92,983.25 2,40,465.64 2,02,128.22 2,00,305.98 1,86,725.44 1,57,845.89 Advances 10,77,474.57 9,34,430.59 8,30,833.98 7,28,185.68 6,74,230.08 4,71,827.72 4,58,249.20 4,33,734.72 4,19,493.15 4,12,325.80 Other Assets 81,611.68 65,662.85 67,840.78 71,131.20 71,048.68 35,140.45 33,059.15 29,978.07 19,507.06 16,372.94 Total Assets 18,18,170.73 15,61,835.00 14,61,831.36 13,14,805.03 12,60,632.62 8,30,665.91 7,74,949.46 7,65,830.10 7,20,330.55 6,67,390.45 Contingent Liabilities 6,52,244.40 2,23,523.69 6,44,471.88 6,05,180.05 3,83,279.78 2,10,800.74 3,05,400.13 3,04,127.70 3,32,831.33 3,35,795.92 Bills for collection 39,512.92 36,019.12 34,377.60 37,786.05 40,491.16 28,049.91 27,335.90 27,858.61 25,779.13 23,221.19 Adjusted Book Value 103.59 89.16 83.01 80.32 79.92 85.49 89.50 135.44 180.20 180.61

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 1,33,137.96 1,10,386.73 1,02,880.50 97,581.92 92,534.34 63,876.37 46,084.36 41,517.30 43,415.34 41,804.25 Share Capital 2,298.59 2,202.20 2,202.20 2,202.20 2,095.54 1,347.51 920.81 552.11 425.59 392.72 Total Reserves 1,30,839.37 1,08,184.53 1,00,678.30 95,379.72 90,438.80 62,528.86 45,163.55 40,965.19 42,989.75 41,411.53 Minority Interest 628.43 560.77 459.38 473.46 486.79 360.69 287.70 308.53 780.63 728.65 Deposits 15,77,019.88 13,79,225.24 12,90,347.07 11,54,234.46 11,13,716.86 7,10,254.37 6,81,874.18 6,48,439.01 6,29,650.86 5,70,382.64 Borrowings 1,05,806.55 72,585.62 70,148.62 59,371.67 52,298.14 62,512.41 46,827.97 65,329.66 43,336.01 81,673.74 Other Liabilities & Provisions 40,950.81 35,877.60 29,813.37 27,639.62 20,688.92 14,453.41 15,045.51 21,933.57 16,128.07 18,203.68 Total Liabilities 18,57,543.63 15,98,635.96 14,93,648.94 13,39,301.13 12,79,725.05 8,51,457.25 7,90,119.72 7,77,528.07 7,33,310.91 7,12,792.96 Net Block 13,083.30 12,347.84 12,083.96 10,696.21 11,048.70 7,261.98 6,246.22 6,370.99 6,297.76 5,308.12 Gross Block 23,362.64 24,443.89 23,273.33 20,982.82 20,441.02 12,402.65 10,975.65 10,670.94 10,072.46 8,754.00 Accumulated Depreciation 10,279.34 12,096.05 11,189.37 10,286.61 9,392.32 5,140.67 4,729.43 4,299.95 3,774.70 3,445.88 Total Non-Current Assets 17,74,956.33 15,31,931.77 14,23,785.26 12,67,241.74 12,08,097.86 8,15,653.54 7,56,536.74 7,47,103.60 7,13,434.50 6,95,567.01 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 64,389.22 65,325.13 78,213.52 86,127.84 44,267.27 38,603.79 32,338.32 29,028.91 25,410.36 26,492.19 Balance with banks and money at call 86,370.36 66,075.06 79,114.96 48,066.04 69,067.16 39,151.96 44,957.65 68,459.24 65,968.73 52,557.19 Investments 5,24,840.31 4,46,421.27 4,16,913.84 3,88,585.82 4,04,368.96 2,53,782.47 2,10,578.32 2,04,418.68 1,91,527.16 1,65,126.48 Advances 10,86,273.14 9,41,762.47 8,37,458.98 7,33,765.83 6,79,345.77 4,76,853.34 4,62,416.23 4,38,825.78 4,24,230.49 4,46,083.03 Other Assets 82,587.30 66,704.19 69,863.68 72,059.39 71,627.19 35,803.70 33,582.98 30,424.47 19,876.41 17,225.95 Total Assets 18,57,543.63 15,98,635.96 14,93,648.94 13,39,301.13 12,79,725.05 8,51,457.24 7,90,119.72 7,77,528.07 7,33,310.91 7,12,792.96 Contingent Liabilities 6,54,196.64 2,24,540.02 6,45,263.22 6,06,685.43 3,85,387.96 2,13,299.33 3,07,895.89 3,08,790.20 3,38,851.04 3,39,168.05 Bills for collection 39,512.92 36,019.12 34,377.60 37,786.05 40,493.76 28,052.60 27,866.28 27,898.25 25,805.94 23,255.66 Adjusted Book Value 108.61 92.71 85.76 82.22 81.44 87.74 92.31 137.05 186.13 198.41

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity 22,272.23 -27,894.60 21,779.97 20,463.62 1,192.13 -12,612.60 -30,892.51 1,011.69 12,497.05 17,045.37 PBT 25,156.07 13,194.21 4,288.27 4,316.40 3,479.40 738.98 -15,345.76 -19,575.08 2,011.54 -5,737.88 Adjustment 4,530.58 16,076.13 23,648.58 19,711.15 22,342.14 15,648.52 31,048.20 32,173.78 14,587.49 19,965.91 Adjustments for Liabilities & Assets -2,385.34 -55,340.32 -4,984.68 -2,013.52 -24,473.10 -26,876.76 -46,182.26 -9,834.39 -2,713.97 4,289.49 Refund/(Payment) of direct taxes -5,029.08 -1,824.61 -1,172.20 -1,550.41 -156.31 -2,123.33 -412.69 -1,752.62 -1,388.01 -1,472.15 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 -1,534.30 -1,539.34 -682.24 -1,207.35 -839.17 -239.48 -260.37 -1,288.01 -527.18 -782.74 Net Fixed Assets 1069.41 -1162.16 -2274.01 -541.33 -8030.82 -1417.83 -261.90 -597.67 -1434.59 -1889.94 Other Investment Activity -24783.10 -24995.41 -24358.36 -21716.17 -20575.15 -12565.22 -12175.03 -11152.30 -10810.19 -9441.53 Cash from Financing Activity -1,122.67 3,429.71 1,364.30 2,040.80 5,292.89 13,557.07 10,978.92 7,406.67 738.69 856.29 Closing Cash & Equivalent 1,48,719.84 1,29,104.58 1,55,108.81 1,32,646.77 1,11,349.70 75,993.03 75,288.04 95,462.00 88,331.65 75,623.09 Net Cash Inflow / Outflow 19,615.26 -26,004.23 22,462.04 21,297.07 5,645.85 704.99 -20,173.96 7,130.36 12,708.56 17,118.92 Opening Cash & Equivalents 1,29,104.58 1,55,108.81 1,32,646.77 1,11,349.70 1,05,703.85 75,288.04 95,462.00 88,331.65 75,623.09 58,504.17

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity 22,075.28 -27,939.44 22,592.09 20,032.33 1,239.53 -12,793.04 -33,531.96 -1,742.13 21,938.03 14,167.00 PBT 27,093.20 14,110.00 5,140.53 4,779.30 4,194.00 902.13 -14,888.37 -19,373.08 1,878.18 -5,113.64 Adjustment 2,955.70 15,450.20 22,945.12 19,752.86 22,357.19 15,959.87 28,468.09 27,678.15 15,392.31 20,471.45 Adjustments for Liabilities & Assets -2,857.09 -55,624.93 -4,289.40 -2,870.71 -24,997.34 -27,456.94 -47,081.88 -8,265.22 6,084.88 380.70 Refund/(Payment) of direct taxes -5,116.53 -1,874.71 -1,204.16 -1,629.12 -314.32 -2,198.10 -29.80 -1,781.98 -1,417.34 -1,571.51 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 -1,577.63 -1,506.42 -732.47 -1,204.38 -786.84 -338.33 -629.17 391.65 158.75 -1,351.51 Net Fixed Assets 1069.41 -1162.16 -2274.01 -541.33 -8030.82 -1417.83 -261.90 -597.67 -1434.59 -1889.94 Other Investment Activity -24750.18 -25045.64 -24355.39 -21663.84 -20674.00 -12934.02 -10495.37 -10466.37 -11378.96 -9464.66 Cash from Financing Activity -1,138.26 3,517.57 1,274.98 2,031.50 5,415.17 13,591.15 13,968.95 7,459.54 -9,767.07 5,974.67 Closing Cash & Equivalent 1,50,759.58 1,31,400.19 1,57,328.48 1,34,193.88 1,13,334.43 77,755.75 77,295.97 97,488.15 91,379.09 77,049.38 Net Cash Inflow / Outflow 19,359.39 -25,928.29 23,134.60 20,859.45 5,867.86 459.78 -20,192.18 6,109.06 12,329.71 18,790.16 Opening Cash & Equivalents 1,31,400.19 1,57,328.48 1,34,193.88 1,13,334.43 77,755.75 77,295.97 97,488.15 91,379.09 79,049.38 58,259.22

Financial Ratios

Consolidated /

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value 103.59 89.16 83.01 80.32 79.92 85.49 89.50 135.44 180.20 180.61 NIM 2.48 2.70 2.50 2.33 2.59 2.21 2.33 2.05 2.16 2.37 Yield on Advances 11.30 11.44 10.25 10.28 11.99 11.40 11.20 11.07 11.27 11.50 Yield on Investments 6.73 6.90 6.61 7.16 7.38 7.05 7.52 8.59 8.16 8.26 Cost of Liabilities 4.79 4.71 3.80 3.87 4.37 4.82 4.77 4.70 4.87 5.24 Interest Spread 6.52 6.74 6.45 6.41 7.61 6.58 6.42 6.36 6.40 6.26 ROCE 16.30% 11.49% 5.54% 5.28% 5.36% 2.77% -14.42% -18.35% 4.82% -3.75% Cost Income Ratio 54.59 53.37 51.69 49.38 47.82 44.82 47.03 56.75 39.17 46.79 Core Cost Income Ratio 58.48 54.07 50.46 53.19 52.16 47.74 49.22 65.75 44.05 49.10 Operating Costs to Assets 1.77 1.83 1.65 1.54 1.61 1.44 1.49 1.76 1.30 1.49 Loans/Deposits 0.05 0.04 0.04 0.04 0.04 0.07 0.06 0.09 0.07 0.11 Cash/Deposits 0.04 0.05 0.06 0.07 0.04 0.05 0.05 0.04 0.04 0.05 Investment/Deposits 0.32 0.31 0.31 0.32 0.36 0.34 0.30 0.31 0.30 0.29 Inc Loan/Deposits 5.35% 3.68% 4.00% 3.99% 3.87% 7.14% 5.82% 9.47% 6.56% 10.80% Credit Deposits 68.78% 68.22% 64.85% 63.53% 60.94% 67.04% 67.79% 67.54% 67.47% 74.55% Interest Expended / Interest earned 64.86% 62.50% 59.49% 61.68% 62.20% 67.59% 66.56% 68.91% 68.29% 67.71% Interest income / Total funds 6.70% 6.84% 5.82% 5.70% 6.41% 6.48% 6.62% 6.27% 6.56% 7.11% Interest Expended / Total funds 4.34% 4.28% 3.46% 3.51% 3.99% 4.38% 4.41% 4.32% 4.48% 4.81% CASA 36.61% 40.34% 41.99% 46.56% 44.54% 42.97% 42.16% 40.99% 41.82% 37.17%

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value 108.61 92.71 85.76 82.22 81.44 87.74 92.31 137.05 186.13 198.41 NIM 2.46 2.67 2.48 2.34 2.60 2.22 2.33 2.05 2.17 2.39 Yield on Advances 11.42 11.58 10.37 10.39 12.06 11.52 11.28 11.10 11.33 11.39 Yield on Investments 6.69 6.82 6.52 7.04 7.43 7.02 7.45 8.43 8.05 8.19 Cost of Liabilities 4.80 4.72 3.81 3.86 4.36 4.79 4.76 4.70 4.86 5.26 Interest Spread 6.62 6.86 6.56 6.53 7.70 6.73 6.52 6.41 6.47 6.12 ROCE 15.27% 10.82% 5.86% 5.34% 5.39% 3.04% -13.05% -17.46% 3.92% -1.39% Cost Income Ratio 54.48 53.49 51.48 49.36 47.31 44.49 47.02 56.66 38.87 45.85 Core Cost Income Ratio 58.44 54.11 50.40 52.75 51.84 47.47 49.14 65.51 43.92 47.96 Operating Costs to Assets 1.75 1.80 1.63 1.53 1.60 1.43 1.48 1.75 1.30 1.45 Loans/Deposits 0.07 0.05 0.05 0.05 0.05 0.09 0.07 0.10 0.07 0.14 Cash/Deposits 0.04 0.05 0.06 0.07 0.04 0.05 0.05 0.04 0.04 0.05 Investment/Deposits 0.33 0.32 0.32 0.34 0.36 0.36 0.31 0.32 0.30 0.29 Inc Loan/Deposits 6.71% 5.26% 5.44% 5.14% 4.70% 8.80% 6.87% 10.07% 6.88% 14.32% Credit Deposits 68.88% 68.28% 64.90% 63.57% 61.00% 67.14% 67.82% 67.67% 67.38% 78.21% Interest Expended / Interest earned 65.08% 62.84% 59.67% 61.41% 62.01% 67.37% 66.46% 68.82% 68.09% 67.57% Interest income / Total funds 6.68% 6.82% 5.81% 5.69% 6.40% 6.45% 6.60% 6.27% 6.55% 7.13% Interest Expended / Total funds 4.34% 4.29% 3.47% 3.50% 3.97% 4.35% 4.39% 4.31% 4.46% 4.82% CASA 36.52% 40.23% 41.92% 46.45% 44.45% 42.86% 42.15% 40.97% 41.66% 36.58%

Top Investors:

life insurance corporation of india

sbi contra fund

Annual Reports:

News Update:

PNB - Quarterly Results
20th Jan 2026, 00:00 AM

Read More
Punjab National Bank reports 16% rise in Q3 consolidated net profit
19th Jan 2026, 16:58 PM

The consolidated total income of the bank increased by 7.41% at Rs 37,902.66 crore for Q3FY26
Read More
Punjab National Bank reports 10% rise in global business during Q3FY26
3rd Jan 2026, 14:06 PM

Global deposits grew 8.54% to Rs 16,60,385 crore (provisional) as of December 31, 2025
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: