Nifty
Sensex
:
:
24502.15
80519.34
186.20 (0.77%)
622.00 (0.78%)

Bank - Public

Rating :
70/99

BSE: 532461 | NSE: PNB

122.80
05-Jul-2024
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  122.97
  •  123.95
  •  122.11
  •  121.53
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  33669963
  •  41361.27
  •  142.90
  •  58.15

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 129,654.71
  • 14.24
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 136,915.20
  • 1.27%
  • 1.27

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 73.15%
  • 0.93%
  • 9.10%
  • FII
  • DII
  • Others
  • 5.51%
  • 10.63%
  • 0.68%

Chart

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

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -20.73
  • -53.31
  • -52.71

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 9.92
  • 92.05
  • 31.64

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 0.63
  • 0.70

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 11.47
  • 13.78
  • 15.40

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.67
  • 0.63
  • 0.70

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 3.89
  • 3.07
  • 2.94

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Var%
Dec 23
Dec 22
Var%
Sep 23
Sep 22
Var%
Jun 23
Jun 22
Var%
Interest Earned
28,682.32
24,305.34
18.01%
27,851.71
22,808.28
22.11%
26,857.70
20,587.91
30.45%
25,672.85
19,143.76
34.11%
Interest Exp.
18,205.92
14,689.55
23.94%
17,444.02
13,512.57
29.09%
16,819.84
12,172.05
38.18%
16,064.38
11,442.82
40.39%
Net Interest Income
10,476.40
9,615.79
8.95%
10,407.69
9,295.71
11.96%
10,037.86
8,415.86
19.27%
9,608.47
7,700.94
24.77%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
4,294.15
3,826.89
12.21%
2,675.67
3,325.25
-19.53%
2,999.35
2,703.79
10.93%
3,360.26
2,383.66
40.97%
Total Income
32,976.47
28,132.23
17.22%
30,527.38
26,133.53
16.81%
29,857.05
23,291.70
28.19%
29,033.11
21,527.42
34.87%
Operating Exp.
8,270.94
7,104.81
16.41%
6,705.37
6,859.06
-2.24%
6,798.15
5,609.92
21.18%
7,034.52
4,761.89
47.73%
Operating Profit
6,499.61
6,337.87
2.55%
6,377.99
5,761.90
10.69%
6,239.06
5,509.73
13.24%
5,934.21
5,322.71
11.49%
Provision
1,559.74
3,708.18
-57.94%
2,743.63
4,718.67
-41.86%
3,460.77
4,883.29
-29.13%
3,955.02
4,760.65
-16.92%
PBT
4,939.87
2,629.69
87.85%
3,634.36
1,043.23
248.38%
2,778.29
626.44
343.50%
1,979.19
562.06
252.13%
PBTM
17.22
10.82
59.15%
13.05
4.57
185.56%
10.34
3.04
240.13%
7.71
2.94
162.24%
TAX
1,838.99
888.58
106.96%
1,381.69
383.17
260.59%
1,013.75
262.72
285.87%
768.37
257.61
198.27%
PAT
3,100.88
1,741.11
78.10%
2,252.67
660.06
241.28%
1,764.54
363.72
385.14%
1,210.82
304.45
297.71%
PATM
10.81%
7.16%
8.09%
2.89%
6.57%
1.77%
4.72%
1.59%
EPS
2.82
1.58
78.48%
2.05
0.60
241.67%
1.60
0.33
384.85%
1.10
0.28
292.86%
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 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Net Interest Income
-
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
17,366.77
Interest Earned
-
109,064.58
86,845.29
76,241.83
81,935.03
54,918.48
52,147.13
48,724.85
48,058.08
50,803.87
48,709.82
Interest Expended
-
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
31,343.05
Int. income Growth
-
15.71%
19.07%
-5.50%
73.71%
2.46%
15.12%
-0.92%
-6.91%
-5.14%
 
Other Income
-
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
6,174.60
Total Income
-
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
23,541.37
Total Expenditure
-
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
18,760.30
Employee Cost
-
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
7,469.12
% Of Sales
-
17.09%
17.21%
15.70%
15.01%
12.86%
13.51%
18.97%
11.41%
12.92%
15.33%
Opt. & Establishment Exp.
-
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
3,723.86
% Of Sales
-
10.15%
11.86%
12.35%
11.23%
10.39%
10.02%
10.22%
9.30%
8.26%
7.64%
Provisions
-
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
8,335.30
% Of Sales
-
10.75%
20.81%
21.55%
23.27%
26.10%
54.73%
62.15%
27.97%
34.48%
17.11%
EBITDA
-
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
4,781.07
EBITDA Margin
-
35.13%
16.46%
18.66%
15.31%
8.04%
-84.53%
-126.81%
12.85%
-29.62%
27.53%
Depreciation
-
905.60
904.87
896.17
982.23
614.44
584.01
581.03
430.44
413.15
383.99
PBT
-
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
4,397.08
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
-
5,002.80
1,792.08
918.50
1,629.93
463.67
-5,343.39
-7,264.36
638.97
-1,629.85
1,055.67
Tax Rate
-
37.53%
36.86%
19.99%
43.09%
56.07%
34.77%
36.60%
41.49%
30.79%
24.01%
PAT
-
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
3,215.57
PAT before Minority Interest
-
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
3,341.41
Minority Interest
-
-49.95
-10.33
-46.85
-132.62
-46.48
-20.09
-2.10
-51.98
-179.69
-125.84
PAT Margin
-
15.37%
6.47%
8.74%
4.66%
1.16%
-40.41%
-52.27%
3.47%
-17.02%
13.66%
PAT Growth
-
170.64%
-15.71%
79.68%
537.46%
0
0
-1582.24%
0
-219.51%
 
EPS
-
7.52
2.78
3.30
1.83
0.29
-9.12
-11.43
0.77
-3.49
2.92

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Shareholder's Funds
110,386.73
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
Share Capital
2,202.20
2,202.20
2,202.20
2,095.54
1,347.51
920.81
552.11
425.59
392.72
370.91
Total Reserves
108,184.53
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
Minority Interest
560.77
459.38
473.46
486.79
360.69
287.70
308.53
780.63
728.65
548.95
Deposits
1,379,225.24
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
Borrowings
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
59,204.76
Other Liabilities & Provisions
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
18,972.59
Total Liabilities
1,598,635.96
1,493,648.94
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
Net Block
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
3,655.77
Gross Block
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
6,887.30
Accumulated Depreciation
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
3,231.53
Total Non-Current Assets
1,531,931.77
1,423,785.26
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
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
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
24,435.78
Balance with banks and money at call
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
33,823.44
Investments
446,421.27
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
Advances
941,762.47
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
Other Assets
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
12,720.46
Total Assets
1,598,635.96
1,493,648.94
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
Contingent Liabilities
224,540.02
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
Bills for collection
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
19,640.62
Adjusted Book Value
92.71
85.76
82.22
81.44
87.74
92.31
137.05
186.13
198.41
219.18

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Cash From Operating Activity
-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
4,813.60
PBT
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
4,596.27
Adjustment
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
9,966.59
Adjustments for Liabilities & Assets
-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
-7,192.92
Refund/(Payment) of direct taxes
-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
-2,556.34
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
-1,506.42
-732.47
-1,204.38
-786.84
-338.33
-629.17
391.65
158.75
-1,351.51
-871.80
Net Fixed Assets
-1162.16
-2274.01
-541.33
-8030.82
-1417.83
-261.90
-597.67
-1434.59
-1889.94
-462.02
Other Investment Activity
-25045.64
-24355.39
-21663.84
-20674.00
-12934.02
-10495.37
-10466.37
-11378.96
-9464.66
-7004.92
Cash from Financing Activity
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
7,451.43
Closing Cash & Equivalent
131,400.19
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
Net Cash Inflow / Outflow
-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
11,393.23
Opening Cash & Equivalents
157,328.48
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

Financial Ratios

Consolidated /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Book Value
92.71
85.76
82.22
81.44
87.74
92.31
137.05
186.13
198.41
219.18
NIM
2.67
2.48
2.34
2.60
2.22
2.33
2.05
2.17
2.39
2.80
Yield on Advances
11.58
10.37
10.39
12.06
11.52
11.28
11.10
11.33
11.39
12.04
Yield on Investments
6.82
6.52
7.04
7.43
7.02
7.45
8.43
8.05
8.19
7.76
Cost of Liabilities
4.72
3.81
3.86
4.36
4.79
4.76
4.70
4.86
5.26
5.46
Interest Spread
6.86
6.56
6.53
7.70
6.73
6.52
6.41
6.47
6.12
6.58
ROCE
10.82%
5.86%
5.34%
5.39%
3.04%
-13.05%
-17.46%
3.92%
-1.39%
7.69%
Cost Income Ratio
53.49
51.48
49.36
47.31
44.49
47.02
56.66
38.87
45.85
45.91
Core Cost Income Ratio
54.11
50.40
52.75
51.84
47.47
49.14
65.51
43.92
47.96
48.21
Operating Costs to Assets
1.80
1.63
1.53
1.60
1.43
1.48
1.75
1.30
1.45
1.70
Loans/Deposits
0.05
0.05
0.05
0.05
0.09
0.07
0.10
0.07
0.14
0.11
Cash/Deposits
0.05
0.06
0.07
0.04
0.05
0.05
0.04
0.04
0.05
0.05
Investment/Deposits
0.32
0.32
0.34
0.36
0.36
0.31
0.32
0.30
0.29
0.30
Inc Loan/Deposits
5.26%
5.44%
5.14%
4.70%
8.80%
6.87%
10.07%
6.88%
14.32%
11.49%
Credit Deposits
68.28%
64.90%
63.57%
61.00%
67.14%
67.82%
67.67%
67.38%
78.21%
78.53%
Interest Expended / Interest earned
62.84%
59.67%
61.41%
62.01%
67.37%
66.46%
68.82%
68.09%
67.57%
64.35%
Interest income / Total funds
6.82%
5.81%
5.69%
6.40%
6.45%
6.60%
6.27%
6.55%
7.13%
7.66%
Interest Expended / Total funds
4.29%
3.47%
3.50%
3.97%
4.35%
4.39%
4.31%
4.46%
4.82%
4.93%
CASA
40.23%
41.92%
46.45%
44.45%
42.86%
42.15%
40.97%
41.66%
36.58%
36.03%

News Update:


  • PNB inks pact with SAIL to offer loans
    12th Jul 2024, 17:18 PM

    This strategic partnership aims to enhance the financial well-being of Steel Authority of India’s employees

    Read More
  • RBI imposes monetary penalty of Rs 1.31 crore on Punjab National Bank
    6th Jul 2024, 16:17 PM

    RBI conducted a statutory inspection of the bank with reference to its financial position as on March 31, 2022

    Read More
  • Punjab National Bank reports 10% rise in global business during Q1FY25
    5th Jul 2024, 14:25 PM

    Domestic deposits stood at Rs 13,69,954 crore (provisional) as of June 30, 2024

    Read More
  • Punjab National Bank planning to expand global footprint
    11th Jun 2024, 11:30 AM

    The bank has received the Board of directors’ approval for the same

    Read More
  • Punjab National Bank inks pact with India Infrastructure Finance Company
    4th Jun 2024, 16:30 PM

    The agreement is to offer long-term financial assistance to viable infrastructure projects

    Read More
  • Punjab National Bank reports 78% rise in Q4 consolidated net profit
    9th May 2024, 16:13 PM

    Total consolidated income of the bank increased by 17.22% at Rs 32,976.47 crore for Q4FY24

    Read More
  • PNB - Quarterly Results
    9th May 2024, 14:00 PM

    Read More

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