Nifty
Sensex
:
:
11661.85
39298.38
75.50 (0.65%)
246.32 (0.63%)

Bank - Public

Rating :
47/99

BSE: 532461 | NSE: PNB

60.25
18-Oct-2019
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  58.90
  •  60.70
  •  58.50
  •  59.05
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  16943401
  •  10157.93
  •  99.90
  •  55.70

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 27,716.36
  • N/A
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 42,206.01
  • 0.11%
  • 0.65

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 75.41%
  • 0.77%
  • 7.65%
  • FII
  • DII
  • Others
  • 0.15%
  • 12.08%
  • 3.94%

Chart

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

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 7.30
  • 0.72
  • 4.59

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • 63.69
  • 26.77

PAT CAGR (%)

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

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.68
  • -
  • -

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.79
  • 0.72
  • 0.74

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.45
  • 5.10
  • 4.30

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated
Description
Jun 19
Jun 18
Var%
Mar 19
Mar 18
Var%
Dec 18
Dec 17
Var%
Sep 18
Sep 17
Var%
Interest Earned
13,326.97
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest Exp.
9,087.35
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
4,239.62
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
2,099.96
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total Income
15,426.93
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Operating Exp.
2,771.82
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Operating Profit
3,567.76
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provision
2,075.11
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PBT
1,492.65
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PBTM
11.20
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
TAX
460.42
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT
1,032.23
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PATM
7.75%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
EPS
2.33
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 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Net Interest Income
-
17,491.48
15,194.46
15,335.77
16,473.28
17,366.77
16,737.82
15,268.17
13,705.91
12,044.56
8,707.56
Interest Earned
-
52,147.14
48,724.85
48,058.08
50,803.87
48,709.82
44,958.09
43,070.60
37,495.40
27,551.24
21,937.57
Interest Expended
-
34,655.66
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
Int. income Growth
-
15.12%
-0.92%
-6.91%
-5.14%
3.76%
9.63%
11.40%
13.79%
38.32%
 
Other Income
-
7,367.38
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
Total Income
-
24,858.86
24,077.80
24,503.35
22,572.91
23,541.37
21,448.16
19,577.72
17,945.42
15,699.92
12,205.73
Total Expenditure
-
39,645.16
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
Employee Cost
-
7,047.54
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
% Of Sales
-
13.51%
18.97%
11.41%
12.92%
15.33%
14.72%
13.35%
12.74%
16.31%
14.32%
Opt. & Establishment Exp.
-
5,225.73
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
% Of Sales
-
10.02%
10.22%
9.30%
8.26%
7.64%
7.41%
6.78%
7.06%
8.06%
8.71%
Provisions
-
28,539.91
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
% Of Sales
-
54.73%
62.15%
27.97%
34.48%
17.11%
15.34%
10.34%
9.74%
9.28%
6.55%
EBITDA
-
-14,786.30
-19,267.67
1,970.54
-4,879.97
4,781.07
5,336.07
7,122.00
7,473.06
6,958.79
6,171.74
EBITDA Margin
-
-84.53%
-126.81%
12.85%
-29.62%
27.53%
31.88%
46.65%
54.52%
57.78%
70.88%
Depreciation
-
584.01
581.03
430.44
413.15
383.99
366.62
335.51
301.77
264.59
227.17
PBT
-
-15,370.31
-19,848.70
1,540.10
-5,293.12
4,397.08
4,969.45
6,786.49
7,171.29
6,694.20
5,944.57
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
-
-5,343.90
-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
Tax Rate
-
34.77%
36.60%
41.49%
30.79%
24.01%
28.87%
27.40%
30.63%
32.54%
34.56%
PAT
-
-10,046.50
-12,586.44
849.15
-3,842.96
3,215.57
3,477.77
4,861.87
4,947.78
4,493.68
3,874.48
PAT before Minority Interest
-
-10,026.41
-12,584.34
901.13
-3,663.27
3,341.41
3,534.61
4,927.26
4,974.81
4,515.59
3,890.39
Minority Interest
-
-20.09
-2.10
-51.98
-179.69
-125.84
-56.84
-65.39
-27.03
-21.91
-15.91
PAT Margin
-
-40.41%
-52.27%
3.47%
-17.02%
13.66%
16.21%
24.83%
27.57%
28.62%
31.74%
PAT Growth
-
0
-1582.24%
0
-219.51%
-7.54%
-28.47%
-1.74%
10.11%
15.98%
 
Unadjusted EPS
-
-29.68
-54.63
5.78
-20.38
18.78
20.32
140.17
148.17
145.08
125.99

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Shareholder's Funds
45,197.51
41,517.30
43,415.34
41,804.25
42,039.44
38,093.22
34,469.03
29,203.84
22,614.66
18,702.74
Share Capital
920.81
552.11
425.59
392.72
370.91
362.07
353.47
339.18
316.81
315.30
Total Reserves
44,276.70
40,965.19
42,989.75
41,411.53
41,668.53
37,731.15
34,115.56
28,864.66
22,297.85
18,387.44
Minority Interest
320.62
308.53
780.63
728.65
548.95
423.11
366.29
331.42
301.29
227.06
Deposits
681,874.18
648,439.01
629,650.86
570,382.64
515,245.43
461,203.53
399,000.18
384,408.22
316,231.93
251,457.66
Borrowings
46,827.97
65,329.66
43,336.01
81,673.74
59,204.76
59,033.31
47,089.94
42,645.42
34,638.50
22,762.94
Other Liabilities & Provisions
15,045.51
21,933.57
16,128.07
18,203.68
18,972.59
16,067.31
15,722.36
13,856.49
12,497.43
10,419.02
Total Liabilities
789,265.79
777,528.07
733,310.91
712,792.96
636,011.17
574,820.48
496,647.80
470,445.39
386,283.81
303,569.42
Net Block
6,247.58
6,370.99
6,297.76
5,308.12
3,655.77
3,490.44
3,422.36
3,242.29
3,150.48
2,531.41
Gross Block
10,975.65
10,670.94
10,072.46
8,754.00
6,887.30
6,378.11
5,998.26
5,515.41
5,200.72
4,374.87
Accumulated Depreciation
4,728.07
4,299.95
3,774.70
3,445.88
3,231.53
2,887.67
2,575.90
2,273.12
2,050.24
1,843.46
Total Non-Current Assets
755,682.78
747,103.60
713,434.50
695,567.01
623,290.71
565,654.34
486,578.52
460,503.44
377,899.64
297,146.83
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-25.15
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
32,338.32
29,028.91
25,410.36
26,492.19
24,435.78
22,406.14
17,929.51
18,507.64
23,791.19
18,334.78
Balance with banks and money at call
44,957.65
68,459.24
65,968.73
52,557.19
33,823.44
24,459.85
10,203.52
11,612.25
6,300.11
5,915.91
Investments
209,723.00
204,418.68
191,527.16
165,126.48
156,761.66
149,224.70
134,733.99
125,819.89
96,911.28
79,253.88
Advances
462,416.23
438,825.78
424,230.49
446,083.03
404,614.06
366,073.21
320,289.14
301,346.52
247,746.58
191,110.85
Other Assets
33,583.01
30,424.47
19,876.41
17,225.95
12,720.46
9,166.14
10,069.28
9,941.95
8,384.17
6,422.59
Total Assets
789,265.79
777,528.07
733,310.91
712,792.96
636,011.17
574,820.48
496,647.80
470,445.39
386,283.81
303,569.42
Contingent Liabilities
307,895.89
308,790.20
338,851.04
339,168.05
282,956.16
221,673.88
218,910.70
212,421.74
127,611.28
92,789.21
Bills for collection
27,866.28
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
Adjusted Book Value
90.39
137.05
186.13
198.41
219.18
202.61
186.91
163.62
133.45
109.17

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Cash From Operating Activity
-34,157.97
-1,742.13
21,938.03
14,167.00
4,813.60
16,906.09
-692.47
-25.08
7,360.66
1,774.25
PBT
-14,888.37
-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
Adjustment
28,696.03
27,678.15
15,392.31
20,471.45
9,966.59
8,202.58
5,637.95
5,400.47
3,797.08
2,526.54
Adjustments for Liabilities & Assets
-47,525.35
-8,265.22
6,084.88
380.70
-7,192.92
5,320.04
-11,606.18
-10,193.28
-1,695.22
-4,274.04
Refund/(Payment) of direct taxes
-440.28
-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
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
224.78
391.65
158.75
-1,351.51
-871.80
-302.00
-600.44
-397.04
-912.05
-174.34
Net Fixed Assets
-261.90
-597.67
-1434.59
-1889.94
-462.02
-359.17
-456.04
-301.42
-786.51
-303.96
Other Investment Activity
-10495.37
-10466.37
-11378.96
-9464.66
-7004.92
-6841.34
-6278.77
-6337.74
-5298.61
-4641.42
Cash from Financing Activity
13,741.01
7,459.54
-9,767.07
5,974.67
7,451.43
2,128.87
-693.95
450.71
-608.00
625.63
Closing Cash & Equivalent
77,295.97
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
Net Cash Inflow / Outflow
-20,192.18
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
Opening Cash & Equivalents
97,488.15
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

Financial Ratios

Consolidated /

Standalone
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Book Value
90.39
137.05
186.13
198.41
219.18
202.61
186.92
163.62
133.45
109.17
NIM
2.33
2.05
2.17
2.39
2.80
2.98
3.16
3.00
3.21
2.96
Yield on Advances
11.28
11.10
11.33
11.39
12.04
12.28
13.45
12.44
11.12
11.48
Yield on Investments
7.48
8.43
8.05
8.19
7.76
7.51
7.70
6.80
6.21
6.76
Cost of Liabilities
4.76
4.70
4.86
5.26
5.46
5.42
6.23
5.57
4.42
4.82
Interest Spread
6.52
6.41
6.47
6.12
6.58
6.86
7.21
6.87
6.70
6.65
ROCE
-13.11%
-17.46%
3.92%
-1.39%
7.69%
8.53%
11.53%
14.61%
16.83%
19.21%
Cost Income Ratio
47.02
56.66
38.87
45.85
45.91
44.67
42.59
39.69
41.08
39.52
Core Cost Income Ratio
49.14
65.51
43.92
47.96
48.21
45.88
43.74
40.44
41.86
41.80
Operating Costs to Assets
1.48
1.75
1.30
1.45
1.70
1.67
1.68
1.51
1.67
1.59
Loans/Deposits
0.07
0.10
0.07
0.14
0.11
0.13
0.12
0.11
0.11
0.09
Cash/Deposits
0.05
0.04
0.04
0.05
0.05
0.05
0.04
0.05
0.08
0.07
Investment/Deposits
0.31
0.32
0.30
0.29
0.30
0.32
0.34
0.33
0.31
0.32
Inc Loan/Deposits
6.87%
10.07%
6.88%
14.32%
11.49%
12.80%
11.80%
11.09%
10.95%
9.05%
Credit Deposits
67.82%
67.67%
67.38%
78.21%
78.53%
79.37%
80.27%
78.39%
78.34%
76.00%
Interest Expended / Interest earned
66.46%
68.82%
68.09%
67.57%
64.35%
62.77%
64.55%
63.45%
56.28%
60.31%
Interest income / Total funds
6.61%
6.27%
6.55%
7.13%
7.66%
7.82%
8.67%
7.97%
7.13%
7.23%
Interest Expended / Total funds
4.39%
4.31%
4.46%
4.82%
4.93%
4.91%
5.60%
5.06%
4.01%
4.36%
CASA
42.15%
40.97%
41.66%
36.58%
36.03%
37.78%
38.65%
35.05%
38.20%
40.60%

News Update:


  • Punjab National Bank receives Rs 13,091 crore of Capital Infusion
    30th Sep 2019, 10:33 AM

    The bank has received Capital Infusion towards contribution of Central Government in the preferential allotment of equity shares

    Read More
  • PNB gets nod to raise up to Rs 3,000 crore via Basel III compliant bonds
    27th Sep 2019, 11:21 AM

    The bank's board of directors at its meeting held on September 26, 2019 approved the same

    Read More
  • PNB launches Preventive Vigilance portal
    26th Sep 2019, 10:21 AM

    The PV portal will facilitate all staff members to contribute towards arresting procedural lapses and unhealthy practices

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  • PNB to raise up to Rs 3,000 crore via Basel III compliant bonds
    20th Sep 2019, 09:41 AM

    The bank's board of directors will meet on September 26 for approval to the fundraising proposal

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  • PNB, UBI, OBC form 23 working groups for overseeing amalgamation process
    12th Sep 2019, 10:52 AM

    These groups will be working on various banking aspects such as product, processes and human resources

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  • PNB puts NPA accounts for sale to recover dues of Rs 1,234 crore
    9th Sep 2019, 09:44 AM

    The sale is on 100 percent cash basis

    Read More
  • Punjab National Bank asks officials to help achieve doubling farmers' income by 2022
    6th Sep 2019, 11:41 AM

    The bank has asked its agriculture officers to close liaise with farmers of their areas to understand their needs, extend timely farm credit

    Read More
  • PNB’s board gives in-principle approval for merger with OBC, United Bank
    5th Sep 2019, 11:44 AM

    The Board has also approved the capital infusion of upto Rs 18,000 crore by Government of India for preferential allotment of equity shares of PNB

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  • Moody's upgrades PNB's outlook to positive
    5th Sep 2019, 09:34 AM

    It has also affirmed the local and foreign currency deposit ratings of PNB at Ba1/NP

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  • PNB’s board to consider capital infusion of Rs 18,000 crore
    3rd Sep 2019, 09:27 AM

    It comes against the backdrop of the government's announcement about merging 10 public sector banks into four entities

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  • PNB launches retail lending scheme linked with repo rate
    28th Aug 2019, 10:04 AM

    In the new schemes rate of interest will be 0.25 per cent less than the existing applicable rates based on MCLR

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  • PNB conducts branch level bottom up consultative programmes: Report
    19th Aug 2019, 11:44 AM

    The objective of the programme is to align banking with national priorities and synchronisation of banking with any area specific issue

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  • PNB recovers Rs 278 crore from poor account holders as penalty in FY19
    8th Aug 2019, 12:56 PM

    This amount has been recovered from about 1 crore 27 lakh customers across the country

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  • RBI imposes penalty of Rs 50 lakh on Punjab National Bank
    5th Aug 2019, 11:47 AM

    The regulator has imposed penalty for delay in reporting of fraud in the account of Kingfisher Airlines

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  • PNB eyeing to reduce gross NPAs below 12%
    2nd Aug 2019, 09:55 AM

    In the quarter to June, the bank’s gross NPAs came down to 16.49 percent at Rs 77,000 crore

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  • Punjab National Bank turns black in Q1
    26th Jul 2019, 15:55 PM

    Total income of the Bank increased by 1.31% at Rs 15426.93 crore for Q1FY20

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  • PNB - Quarterly Results
    26th Jul 2019, 13:18 PM

    Read More
  • PNB gets nod to raise Rs 5,000 crore equity capital
    26th Jul 2019, 09:42 AM

    The funds will be raised in one or more tranches

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  • Punjab National Bank planning to raise equity capital up to Rs 5000 crore
    19th Jul 2019, 15:51 PM

    The meeting of the Board of Directors of the Bank is scheduled to be held on July 25, 2019, to consider the same

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