Nifty
Sensex
:
:
18114.90
60821.62
-63.20 (-0.35%)
-101.88 (-0.17%)

Bank - Public

Rating :
60/99

BSE: 532461 | NSE: PNB

43.95
22-Oct-2021
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  45.20
  •  46.25
  •  43.65
  •  44.65
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  102347062
  •  46002.79
  •  48.20
  •  26.30

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 48,393.41
  • 15.16
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 56,424.28
  • N/A
  • 0.54

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 73.15%
  • 0.78%
  • 11.79%
  • FII
  • DII
  • Others
  • 2.21%
  • 11.15%
  • 0.92%

Chart

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

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 8.53
  • 15.16
  • 21.10

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • 4.14
  • -16.30

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -8.57
  • 18.92
  • -

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 4.32
  • -
  • -

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.66
  • 0.64
  • 0.57

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.28
  • 4.15
  • 3.81

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Jun 21
Jun 20
Var%
Mar 21
Mar 20
Var%
Dec 20
Dec 19
Var%
Sep 20
Sep 19
Var%
Interest Earned
19,229.31
20,865.35
-7.84%
19,046.27
14,205.99
34.07%
20,598.75
13,834.95
48.89%
21,304.31
13,550.56
57.22%
Interest Exp.
11,843.33
13,949.12
-15.10%
11,974.80
9,360.41
27.93%
12,135.33
9,366.87
29.56%
12,745.33
9,182.84
38.80%
Net Interest Income
7,385.98
6,916.23
6.79%
7,071.47
4,845.58
45.94%
8,463.42
4,468.08
89.42%
8,558.98
4,367.72
95.96%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
3,586.10
3,862.37
-7.15%
3,733.29
2,618.21
42.59%
3,040.66
2,376.29
27.96%
2,539.82
2,293.21
10.75%
Total Income
22,815.41
24,727.72
-7.73%
22,779.56
16,824.20
35.40%
23,639.41
16,211.24
45.82%
23,844.13
15,843.76
50.50%
Operating Exp.
4,773.15
5,210.55
-8.39%
5,097.27
3,329.94
53.07%
4,947.21
3,042.73
62.59%
5,260.74
3,006.01
75.01%
Operating Profit
6,198.93
5,568.05
11.33%
5,707.49
4,133.85
38.07%
6,556.87
3,801.64
72.47%
5,838.06
3,654.91
59.73%
Provision
4,701.97
4,738.69
-0.77%
4,768.09
4,976.96
-4.20%
5,480.42
4,185.51
30.94%
4,898.84
3,093.56
58.36%
PBT
1,496.96
829.36
80.50%
939.40
-843.11
-
1,076.45
-383.87
-
939.22
561.35
67.31%
PBTM
7.78
3.97
95.97%
4.93
-5.93
-
5.23
-2.77
-
4.41
4.14
6.52%
TAX
416.66
354.17
17.64%
392.62
-246.12
-
490.68
118.06
315.62%
394.56
131.32
200.46%
PAT
1,080.30
475.19
127.34%
546.78
-596.99
-
585.77
-501.93
-
544.66
430.03
26.66%
PATM
5.62%
2.28%
2.87%
-4.20%
2.84%
-3.63%
2.56%
3.17%
EPS
0.98
0.43
127.91%
0.50
-0.54
-
0.53
-0.46
-
0.49
0.39
25.64%
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 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Net Interest Income
31,479.85
31,061.82
17,921.01
17,491.47
15,194.46
15,335.77
16,473.28
17,366.77
16,737.82
15,268.17
13,705.91
Interest Earned
80,178.64
81,866.40
54,918.48
52,147.13
48,724.85
48,058.08
50,803.87
48,709.82
44,958.09
43,070.60
37,495.40
Interest Expended
48,698.79
50,804.58
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
Int. income Growth
52.83%
73.33%
2.46%
15.12%
-0.92%
-6.91%
-5.14%
3.76%
9.63%
11.40%
 
Other Income
12,899.87
13,124.45
9,387.65
7,367.40
8,883.34
9,167.58
6,099.63
6,174.60
4,710.34
4,309.55
4,239.51
Total Income
93,078.51
44,186.27
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
Total Expenditure
20,078.37
39,421.68
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
Employee Cost
-
12,296.72
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
% Of Sales
-
15.02%
12.86%
13.51%
18.97%
11.41%
12.92%
15.33%
14.72%
13.35%
12.74%
Opt. & Establishment Exp.
-
9,201.28
5,704.91
5,225.73
4,981.25
4,471.66
4,198.54
3,723.86
3,331.72
2,921.33
2,648.54
% Of Sales
-
11.24%
10.39%
10.02%
10.22%
9.30%
8.26%
7.64%
7.41%
6.78%
7.06%
Provisions
-
19,888.14
14,331.16
28,539.41
30,283.91
13,439.70
17,516.15
8,335.30
6,897.22
4,453.93
3,652.22
% Of Sales
-
24.29%
26.10%
54.73%
62.15%
27.97%
34.48%
17.11%
15.34%
10.34%
9.74%
EBITDA
24,301.35
4,764.59
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
EBITDA Margin
74.96%
15.34%
8.04%
-84.53%
-126.81%
12.85%
-29.62%
27.53%
31.88%
46.65%
54.52%
Depreciation
0.00
982.23
614.44
584.01
581.03
430.44
413.15
383.99
366.62
335.51
301.77
PBT
4,452.03
3,782.36
827.00
-15,369.80
-19,848.70
1,540.10
-5,293.12
4,397.08
4,969.45
6,786.49
7,171.29
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
1,694.52
1,629.93
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
Tax Rate
38.06%
43.09%
56.07%
34.77%
36.60%
41.49%
30.79%
24.01%
28.87%
27.40%
30.63%
PAT
2,662.51
2,019.81
316.85
-10,046.50
-12,586.44
849.15
-3,842.96
3,215.57
3,477.77
4,861.87
4,947.78
PAT before Minority Interest
2,757.51
2,152.43
363.33
-10,026.41
-12,584.34
901.13
-3,663.27
3,341.41
3,534.61
4,927.26
4,974.81
Minority Interest
-95.00
-132.62
-46.48
-20.09
-2.10
-51.98
-179.69
-125.84
-56.84
-65.39
-27.03
PAT Margin
6.00%
4.57%
1.16%
-40.41%
-52.27%
3.47%
-17.02%
13.66%
16.21%
24.83%
27.57%
PAT Growth
-1,523.60%
537.47%
0
0
-1582.24%
0
-219.51%
-7.54%
-28.47%
-1.74%
 
EPS
2.50
1.83
0.29
-9.12
-11.43
0.77
-3.49
2.92
3.16
4.42
4.49

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Shareholder's Funds
92,534.33
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
Share Capital
2,095.54
1,347.51
920.81
552.11
425.59
392.72
370.91
362.07
353.47
339.18
Total Reserves
90,438.80
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
Minority Interest
486.79
360.69
287.70
308.53
780.63
728.65
548.95
423.11
366.29
331.42
Deposits
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
399,000.18
384,408.22
Borrowings
52,298.14
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
Other Liabilities & Provisions
20,688.94
14,453.41
15,045.51
21,933.57
16,128.07
18,203.68
18,972.59
16,067.31
15,722.36
13,856.49
Total Liabilities
1,279,725.06
851,457.25
790,119.72
777,528.07
733,310.91
712,792.96
636,011.17
574,820.48
496,647.80
470,445.39
Net Block
11,048.71
7,261.98
6,246.22
6,370.99
6,297.76
5,308.12
3,655.77
3,490.44
3,422.36
3,217.14
Gross Block
23,148.10
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
Accumulated Depreciation
12,099.39
5,140.67
4,729.43
4,299.95
3,774.70
3,445.88
3,231.53
2,887.67
2,575.90
2,298.27
Total Non-Current Assets
1,208,097.87
815,653.54
756,536.74
747,103.60
713,434.50
695,567.01
623,290.71
565,654.34
486,578.52
460,503.44
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
44,267.27
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
Balance with banks and money at call
69,067.16
39,151.96
44,957.65
68,459.24
65,968.73
52,557.19
33,823.44
24,459.85
10,203.52
11,612.25
Investments
404,368.96
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
Advances
679,345.77
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
Other Assets
71,627.20
35,803.70
33,582.98
30,424.47
19,876.41
17,225.95
12,720.46
9,166.14
10,069.28
9,941.95
Total Assets
1,279,725.07
851,457.24
790,119.72
777,528.07
733,310.91
712,792.96
636,011.17
574,820.48
496,647.80
470,445.39
Contingent Liabilities
385,387.95
213,299.33
307,895.89
308,790.20
338,851.04
339,168.05
282,956.16
221,673.88
218,910.70
212,421.74
Bills for collection
40,493.76
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
Adjusted Book Value
81.44
87.74
92.31
137.05
186.13
198.41
219.18
202.61
186.91
163.62

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Cash From Operating Activity
1,239.53
-12,793.04
-33,531.96
-1,742.13
21,938.03
14,167.00
4,813.60
16,906.09
-692.47
-25.08
PBT
4,194.00
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
Adjustment
22,357.19
15,959.87
28,468.09
27,678.15
15,392.31
20,471.45
9,966.59
8,202.58
5,637.95
5,400.47
Adjustments for Liabilities & Assets
-24,997.34
-27,456.94
-47,081.88
-8,265.22
6,084.88
380.70
-7,192.92
5,320.04
-11,606.18
-10,193.28
Refund/(Payment) of direct taxes
-314.32
-2,198.10
-29.80
-1,781.98
-1,417.34
-1,571.51
-2,556.34
-1,725.28
-1,603.07
-2,481.24
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
-786.84
-338.33
-629.17
391.65
158.75
-1,351.51
-871.80
-302.00
-600.44
-397.04
Net Fixed Assets
-10737.88
-1417.83
-261.90
-597.67
-1434.59
-1889.94
-462.02
-359.17
-456.04
-301.42
Other Investment Activity
-23381.06
-12934.02
-10495.37
-10466.37
-11378.96
-9464.66
-7004.92
-6841.34
-6278.77
-6337.74
Cash from Financing Activity
5,415.16
13,591.15
13,968.95
7,459.54
-9,767.07
5,974.67
7,451.43
2,128.87
-693.95
450.71
Closing Cash & Equivalent
113,334.43
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
Net Cash Inflow / Outflow
5,867.86
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
Opening Cash & Equivalents
77,755.75
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

Financial Ratios

Consolidated /

Standalone
Description
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Book Value
81.44
87.74
92.31
137.05
186.13
198.41
219.18
202.61
186.91
163.62
NIM
2.59
2.22
2.33
2.05
2.17
2.39
2.80
2.98
3.16
3.00
Yield on Advances
12.05
11.52
11.28
11.10
11.33
11.39
12.04
12.28
13.45
12.44
Yield on Investments
7.41
7.02
7.45
8.43
8.05
8.19
7.76
7.51
7.70
6.80
Cost of Liabilities
4.36
4.79
4.76
4.70
4.86
5.26
5.46
5.42
6.23
5.57
Interest Spread
7.69
6.73
6.52
6.41
6.47
6.12
6.58
6.86
7.21
6.87
ROCE
5.39%
3.04%
-13.05%
-17.46%
3.92%
-1.39%
7.69%
8.53%
11.53%
14.61%
Cost Income Ratio
46.43
44.49
47.02
56.66
38.87
45.85
45.91
44.67
42.59
39.69
Core Cost Income Ratio
51.84
47.47
49.14
65.51
43.92
47.96
48.21
45.88
43.74
40.44
Operating Costs to Assets
1.60
1.43
1.48
1.75
1.30
1.45
1.70
1.67
1.68
1.51
Loans/Deposits
0.05
0.09
0.07
0.10
0.07
0.14
0.11
0.13
0.12
0.11
Cash/Deposits
0.04
0.05
0.05
0.04
0.04
0.05
0.05
0.05
0.04
0.05
Investment/Deposits
0.36
0.36
0.31
0.32
0.30
0.29
0.30
0.32
0.34
0.33
Inc Loan/Deposits
4.70%
8.80%
6.87%
10.07%
6.88%
14.32%
11.49%
12.80%
11.80%
11.09%
Credit Deposits
61.00%
67.14%
67.82%
67.67%
67.38%
78.21%
78.53%
79.37%
80.27%
78.39%
Interest Expended / Interest earned
62.06%
67.37%
66.46%
68.82%
68.09%
67.57%
64.35%
62.77%
64.55%
63.45%
Interest income / Total funds
6.40%
6.45%
6.60%
6.27%
6.55%
7.13%
7.66%
7.82%
8.67%
7.97%
Interest Expended / Total funds
3.97%
4.35%
4.39%
4.31%
4.46%
4.82%
4.93%
4.91%
5.60%
5.06%
CASA
44.45%
42.86%
42.15%
40.97%
41.66%
36.58%
36.03%
37.78%
38.65%
35.05%

News Update:


  • PNB slashes gold loan rates
    14th Oct 2021, 14:00 PM

    Additionally, PNB has slashed the home loan rate which now starts from 6.60 per cent

    Read More
  • Punjab National Bank buys stake in NARCL
    1st Oct 2021, 14:32 PM

    NARCL is yet to become operational

    Read More
  • PNB collects Rs 170 crore by levying charges on non-maintenance of minimum balance
    21st Sep 2021, 10:15 AM

    The lender's revenue earned from such charges stood at Rs 286.24 crore in 2019-20

    Read More
  • Punjab National Bank slashes interest rate on home loan above Rs 50 lakh
    18th Sep 2021, 11:26 AM

    Further, it will offer top-up home loans at an attractive rate of interest to existing as well as balance transfer cases

    Read More
  • Punjab National Bank gets nod to raise up to Rs 6,000 crore
    11th Sep 2021, 09:51 AM

    The decision was taken at the meeting of the board of directors on September 10, 2021

    Read More
  • PNB waives service charges, processing fee on retail products
    1st Sep 2021, 10:40 AM

    The bank now offers an attractive interest rate starting from 6.80 per cent on home loans and 7.15 per cent on car loans

    Read More
  • PNB waiting for Securities Appellate Tribunal order on PNB Housing Finance stake sale
    4th Aug 2021, 12:44 PM

    However, SEBI halted the stake sale and asked PNBHF to conduct an independent valuation before pricing any capital-raising deal

    Read More
  • Punjab National Bank reports 2-fold jump in Q1 consolidated net profit
    3rd Aug 2021, 12:03 PM

    Total consolidated income of the bank decreased by 7.73% at Rs 22815.41 crore for Q1FY22

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.