Nifty
:
25244.75
Sensex
:
82755.51
200.40 (0.80%)
700.40 (0.85%)
Nifty
Sensex
:
:
25244.75
82755.51
200.40 (0.80%)
700.40 (0.85%)

Punjab National Bank

Bank - Public

Rating :
65/99

BSE: 532461 | NSE: PNB

NSE BSE
105.94
25-Jun-2025
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  105.62
  •  106.25
  •  105.14
  •  105.22
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  12173043
  •  1288503821.11
  •  128.8
  •  85.46

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 1,21,767.73
  • 6.59
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 1,63,185.06
  • 2.74%
  • 0.98

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 70.08%
  • 0.49%
  • 8.56%
  • FII
  • DII
  • Others
  • 5.71%
  • 14.62%
  • 0.54%

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
  • 0.71
  • 0.88

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 11.02
  • 13.90
  • 15.12

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.70
  • 0.71
  • 0.88

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 3.68
  • 3.32
  • 3.78

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Var%
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Jun 24
Jun 23
Var%
Interest Earned
32,523.09
28,682.32
13.39%
31,894.80
27,851.71
14.52%
30,447.42
26,857.70
13.37%
29,144.54
25,672.85
13.52%
Interest Exp.
21,639.50
18,205.92
18.86%
20,737.68
17,444.02
18.88%
19,790.35
16,819.84
17.66%
18,536.31
16,064.38
15.39%
Net Interest Income
10,883.59
10,476.40
3.89%
11,157.12
10,407.69
7.20%
10,657.07
10,037.86
6.17%
10,608.23
9,608.47
10.40%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
4,775.93
4,294.15
11.22%
3,391.63
2,675.67
26.76%
4,664.05
2,999.35
55.50%
3,615.35
3,360.26
7.59%
Total Income
37,299.02
32,976.47
13.11%
35,286.43
30,527.38
15.59%
35,111.47
29,857.05
17.60%
32,759.89
29,033.11
12.84%
Operating Exp.
8,771.06
8,270.94
6.05%
7,897.13
6,705.37
17.77%
8,312.32
6,798.15
22.27%
7,569.95
7,034.52
7.61%
Operating Profit
6,888.46
6,499.61
5.98%
6,651.62
6,377.99
4.29%
7,008.80
6,239.06
12.34%
6,653.63
5,934.21
12.12%
Provision
370.67
1,559.74
-76.24%
-403.42
2,743.63
-
280.16
3,460.77
-91.90%
902.56
3,955.02
-77.18%
PBT
6,517.79
4,939.87
31.94%
7,055.04
3,634.36
94.12%
6,728.64
2,778.29
142.19%
5,751.07
1,979.19
190.58%
PBTM
20.04
17.22
16.38%
22.12
13.05
69.50%
22.10
10.34
113.73%
19.73
7.71
155.90%
TAX
1,874.92
1,838.99
1.95%
2,406.44
1,381.69
74.17%
2,296.65
1,013.75
126.55%
2,034.90
768.37
164.83%
PAT
4,642.87
3,100.88
49.73%
4,648.60
2,252.67
106.36%
4,431.99
1,764.54
151.17%
3,716.17
1,210.82
206.91%
PATM
14.28%
10.81%
14.57%
8.09%
14.56%
6.57%
12.75%
4.72%
EPS
4.04
2.70
49.63%
4.04
1.96
106.12%
3.86
1.54
150.65%
3.23
1.05
207.62%
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
-
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
-
1,24,009.85
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
-
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
-
6.85%
15.71%
19.07%
-5.50%
73.71%
2.46%
15.12%
-0.92%
-6.91%
 
Other Income
-
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
-
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
-
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
-
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
-
62.37%
35.13%
16.46%
18.66%
15.31%
8.04%
-84.53%
-126.81%
12.85%
-29.62%
Depreciation
-
957.51
905.60
904.87
896.17
982.23
614.44
584.01
581.03
430.44
413.15
PBT
-
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
-
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
-
33.06%
37.53%
36.86%
19.99%
43.09%
56.07%
34.77%
36.60%
41.49%
30.79%
PAT
-
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
-
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
-
-72.32
-49.95
-10.33
-46.85
-132.62
-46.48
-20.09
-2.10
-51.98
-179.69
PAT Margin
-
29.07%
15.37%
6.47%
8.74%
4.66%
1.16%
-40.41%
-52.27%
3.47%
-17.02%
PAT Growth
-
109.78%
170.64%
-15.71%
79.68%
537.46%
0
0
-1582.24%
0
 
EPS
-
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
1,33,137.96
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
22,075.28
-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
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%

Annual Reports:

FY 2025
FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016

News Update:


  • PNB sells entire 21% stake in India SME Asset Reconstruction Company
    18th Jun 2025, 11:00 AM

    The bank had entered into a definitive agreement to sell its entire stake in ISARC in May

    Read More
  • Punjab National Bank signs agreement with Singareni Colleries Company
    17th Jun 2025, 11:17 AM

    This marks a significant milestone in providing comprehensive financial protection to coal mining workers and their families

    Read More
  • PNB eyes Rs 16,000 crore recovery and slippages below 1% in FY 26
    26th May 2025, 14:12 PM

    The bank also plans to expand its RAM (retail, agriculture and MSMEs) sector lending to 58 per cent of its loan book in the current financial year

    Read More
  • Punjab National Bank inks pact to sell entire stake in ISARC
    14th May 2025, 16:14 PM

    The stake sale is expected to be completed by the end of the June quarter

    Read More
  • Punjab National Bank reports 50% rise in Q4 consolidated net profit
    7th May 2025, 16:48 PM

    Total consolidated income of the bank increased by 13.11% at Rs 37299.02 crore for Q4FY25

    Read More
  • Punjab National Bank launches 34 new products
    14th Apr 2025, 10:12 AM

    The bank has also introduced a QR code-based customer feedback mechanism, a live-chat assistant ‘Pihu’

    Read More
  • Punjab National Bank reports 14% rise in global business during Q4FY25
    3rd Apr 2025, 11:48 AM

    Domestic Advances stood at Rs 10,66,818 crore in Q4FY25

    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.