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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,35,042.08
6.11
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

1,81,718.31
2.55%
0.93

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

-
-
416.62

EBITDA CAGR (%)

10 Years
5 Years
3 Years

34.96
36.22
27.16

PAT CAGR (%)

10 Years
5 Years
3 Years

0.82
1.03

P:E (Median)

8 Years
5 Years
3 Years

8.38
10.87
8.16

P:BV (Average)

8 Years
5 Years
3 Years

0.73
0.82
1.03

EV:EBITDA (Average)

8 Years
5 Years
3 Years

4.02
4.03
5.15

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Jun 26 Jun 25 Var% Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var%
Interest Earned 32,897.26 31,963.94 2.92% 32,156.72 31,989.46 0.52% 32,231.00 31,339.83 2.84% 31,871.53 29,875.01 6.68%
Interest Exp. 22,098.90 21,385.85 3.33% 21,776.42 21,232.48 2.56% 21,698.42 20,307.58 6.85% 21,402.73 19,358.32 10.56%
Net Interest Income 10,798.36 10,578.09 2.08% 10,380.30 10,756.98 -3.50% 10,532.58 11,032.25 -4.53% 10,468.80 10,516.69 -0.46%
NIM 2.64 2.84 -7.04% 2.61 2.96 -11.82% 2.65 3.09 -14.24% 2.72 3.06 -11.11%
Other Income 4,333.47 5,267.82 -17.74% 4,161.98 4,715.89 -11.75% 5,022.08 3,411.87 47.19% 4,342.09 4,572.09 -5.03%
Total Income 37,230.73 37,231.76 0.00% 36,318.70 36,705.35 -1.05% 37,253.08 34,751.70 7.20% 36,213.62 34,447.10 5.13%
Operating Exp. 7,612.63 8,764.56 -13.14% 7,041.93 8,697.22 -19.03% 8,073.79 7,823.57 3.20% 7,583.83 8,235.47 -7.91%
Operating Profit 7,519.20 7,081.35 6.18% 7,500.35 6,775.65 10.70% 7,480.87 6,620.55 12.99% 7,227.06 6,853.31 5.45%
Provision 541.19 323.10 67.50% 423.71 359.67 17.81% 1,150.04 -285.40 - 643.08 288.01 123.28%
PBT 6,978.01 6,758.25 3.25% 7,076.64 6,415.98 10.30% 6,330.83 6,905.95 -8.33% 6,583.98 6,565.30 0.28%
PBTM 21.21 21.14 0.33% 22.01 20.06 9.72% 19.64 22.04 -10.89% 20.66 21.98 -6.01%
TAX 1,724.72 5,083.25 -66.07% 1,851.53 1,848.98 0.14% 1,230.68 2,397.74 -48.67% 1,680.25 2,261.84 -25.71%
PAT 5,253.29 1,675.00 213.63% 5,225.11 4,567.00 14.41% 5,100.15 4,508.21 13.13% 4,903.73 4,303.46 13.95%
PATM 15.97% 5.24% 16.25% 14.28% 15.82% 14.38% 15.39% 14.40%
EPS 4.57 1.46 213.01% 4.55 3.97 14.61% 4.44 3.92 13.27% 4.27 3.74 14.17%
Gross NPA 35,380.80 42,672.97 -17.09% 37,124.12 44,081.60 -15.78% 39,314.21 45,413.98 -13.43% 40,343.33 47,582.25 -15.21%
Gross NPA% 2.78 3.78 -26.46% 2.95 3.95 -25.32% 3.19 4.09 -22.00% 3.45 4.48 -22.99%
Net NPA 3,433.20 4,132.24 -16.92% 3,609.56 4,290.55 -15.87% 3,833.70 4,437.43 -13.61% 4,025.75 4,674.24 -13.87%
Net NPA% 0.28 0.38 -26.32% 0.29 0.40 -27.50% 0.32 0.41 -21.95% 0.36 0.46 -21.74%
CASA 36.70 36.99 -0.78% 37.00 37.95 -2.50% 37.10 38.12 -2.68% 37.29 39.31 -5.14%

Description Jun 26 Jun 25 Var% Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var%
Interest Earned 33,589.17 32,572.33 3.12% 32,797.77 32,523.09 0.84% 32,889.23 31,894.80 3.12% 32,512.76 30,447.42 6.78%
Interest Exp. 22,583.30 21,828.33 3.46% 22,218.78 21,639.50 2.68% 22,164.43 20,737.68 6.88% 21,857.86 19,790.35 10.45%
Net Interest Income 11,005.87 10,744.00 2.44% 10,578.99 10,883.59 -2.80% 10,724.80 11,157.12 -3.87% 10,654.90 10,657.07 -0.02%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 4,364.58 5,426.51 -19.57% 4,080.25 4,775.93 -14.57% 5,013.43 3,391.63 47.82% 4,171.02 4,664.05 -10.57%
Total Income 37,953.75 37,998.84 -0.12% 36,878.02 37,299.02 -1.13% 37,902.66 35,286.43 7.41% 36,683.78 35,111.47 4.48%
Operating Exp. 7,707.69 8,851.98 -12.93% 7,138.03 8,771.06 -18.62% 8,167.91 7,897.13 3.43% 7,671.04 8,312.32 -7.71%
Operating Profit 7,662.76 7,318.53 4.70% 7,521.21 6,888.46 9.19% 7,570.32 6,651.62 13.81% 7,154.88 7,008.80 2.08%
Provision 554.70 345.11 60.73% 379.93 370.67 2.50% 1,130.44 -403.42 - 627.80 280.16 124.09%
PBT 7,108.06 6,973.42 1.93% 7,141.28 6,517.79 9.57% 6,439.88 7,055.04 -8.72% 6,527.08 6,728.64 -3.00%
PBTM 21.16 21.41 -1.17% 21.77 20.04 8.63% 19.58 22.12 -11.48% 20.08 22.10 -9.14%
TAX 1,768.91 5,141.20 -65.59% 1,916.16 1,874.92 2.20% 1,250.09 2,406.44 -48.05% 1,678.44 2,296.65 -26.92%
PAT 5,339.15 1,832.22 191.40% 5,225.12 4,642.87 12.54% 5,189.79 4,648.60 11.64% 4,848.64 4,431.99 9.40%
PATM 15.90% 5.63% 15.93% 14.28% 15.78% 14.57% 14.91% 14.56%
EPS 4.65 1.59 192.45% 4.55 4.04 12.62% 4.52 4.04 11.88% 4.22 3.86 9.33%
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 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Interest Income 42,180.04 41,959.77 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 Interest Earned 1,29,156.51 1,28,223.19 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 Interest Expended 86,976.47 86,263.42 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 Int. income Growth -1.64% -1.92% 6.73% 16.21% 20.20% -6.06% 75.17% 1.64% 14.97% -0.47% Other Income 17,859.62 18,793.97 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 Total Income 1,47,016.13 60,753.74 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 Total Expenditure 30,312.18 32,732.36 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 Employee Cost - 18,747.03 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 % Of Sales - 14.62% 17.54% 17.29% 17.39% 15.81% 15.07% 12.94% 13.57% 19.10% 11.47% Opt. & Establishment Exp. - 13,988.76 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 % Of Sales - 10.91% 9.73% 10.24% 11.97% 12.42% 11.27% 10.44% 10.04% 10.24% 9.27% Provisions - 2,539.93 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 % Of Sales - 1.98% 1.38% 10.98% 21.42% 21.96% 23.11% 26.02% 55.23% 62.23% 26.55% EBITDA 29,727.48 28,021.38 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 EBITDA Margin 76.53% 66.78% 61.02% 35.15% 15.03% 18.14% 14.58% 7.72% -86.08% -127.32% 16.25% Depreciation 0.00 1,271.68 947.57 895.25 896.56 888.61 974.92 607.68 578.02 576.17 425.04 PBT 26,969.46 26,749.70 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 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 6,487.18 9,845.71 8,525.87 4,949.59 1,781.06 859.43 1,457.78 402.79 -5,370.28 -7,292.26 686.74 Tax Rate 24.05% 36.81% 33.89% 37.51% 41.53% 19.91% 41.90% 54.51% 35.00% 37.25% 34.14% PAT 20,482.28 16,903.99 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 PAT before Minority Interest 20,482.28 16,903.99 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 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 34.11% 27.82% 28.14% 15.42% 5.38% 8.43% 4.76% 1.26% -40.66% -51.60% 5.53% PAT Growth 36.06% 1.65% 101.71% 228.84% -27.47% 71.00% 501.33% 0 0 -1027.15% EPS 17.82 14.71 14.47 7.17 2.18 3.01 1.76 0.29 -8.68 -10.69 1.15

Description TTM Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Interest Income 42,964.56 42,702.69 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 Interest Earned 1,31,788.93 1,30,772.09 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 Interest Expended 88,824.37 88,069.40 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 Int. income Growth -1.10% -1.39% 6.85% 15.71% 19.07% -5.50% 73.71% 2.46% 15.12% -0.92% Other Income 17,629.28 18,691.21 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 Total Income 1,49,418.21 61,393.90 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 Total Expenditure 30,684.67 33,031.03 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 Employee Cost - 18,992.28 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 % Of Sales - 14.52% 17.38% 17.09% 17.21% 15.70% 15.01% 12.86% 13.51% 18.97% 11.41% Opt. & Establishment Exp. - 14,117.88 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 % Of Sales - 10.80% 9.64% 10.15% 11.86% 12.35% 11.23% 10.39% 10.02% 10.22% 9.30% Provisions - 2,483.27 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 % Of Sales - 1.90% 0.93% 10.75% 20.81% 21.55% 23.27% 26.10% 54.73% 62.15% 27.97% EBITDA 29,909.17 28,362.87 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 EBITDA Margin 76.72% 66.42% 62.37% 35.13% 16.46% 18.66% 15.31% 8.04% -84.53% -126.81% 12.85% Depreciation 0.00 1,281.20 957.51 905.60 904.87 896.17 982.23 614.44 584.01 581.03 430.44 PBT 27,216.30 27,081.67 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 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 6,613.60 9,985.90 8,612.91 5,002.80 1,792.08 918.50 1,629.93 463.67 -5,343.39 -7,264.36 638.97 Tax Rate 24.30% 36.87% 33.06% 37.53% 36.86% 19.99% 43.09% 56.07% 34.77% 36.60% 41.49% PAT 20,555.86 17,021.76 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 PAT before Minority Interest 20,602.70 17,095.77 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 Minority Interest -46.84 -74.01 -72.32 -49.95 -10.33 -46.85 -132.62 -46.48 -20.09 -2.10 -51.98 PAT Margin 33.92% 27.73% 29.07% 15.37% 6.47% 8.74% 4.66% 1.16% -40.41% -52.27% 3.47% PAT Growth 32.44% -1.99% 109.78% 170.64% -15.71% 79.68% 537.46% 0 0 -1582.24% EPS 17.93 14.81 15.11 7.20 2.66 3.16 1.76 0.28 -8.74 -10.95 0.74

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 1,42,649.74 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 Share Capital 2,298.59 2,298.59 2,202.20 2,202.20 2,202.20 2,095.54 1,347.51 920.81 552.11 425.59 Total Reserves 1,40,351.15 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 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 17,11,126.33 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 Borrowings 82,314.32 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 Other Liabilities & Provisions 49,802.08 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 Total Liabilities 19,85,892.47 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 Net Block 15,576.77 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 Gross Block 25,012.83 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 Accumulated Depreciation 9,436.06 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 Total Non-Current Assets 18,96,927.98 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 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 -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 60,855.52 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 Balance with banks and money at call 1,01,091.55 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 Investments 4,94,111.84 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 Advances 12,25,292.30 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 Other Assets 88,964.50 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 Total Assets 19,85,892.48 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 Contingent Liabilities 4,87,587.73 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 Bills for collection 35,566.16 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 Adjusted Book Value 115.10 103.59 89.16 83.01 80.32 79.92 85.49 89.50 135.44 180.20

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 1,49,972.22 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 Share Capital 2,298.59 2,298.59 2,202.20 2,202.20 2,202.20 2,095.54 1,347.51 920.81 552.11 425.59 Total Reserves 1,47,673.63 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 Minority Interest 689.53 628.43 560.77 459.38 473.46 486.79 360.69 287.70 308.53 780.63 Deposits 17,24,795.42 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 Borrowings 1,07,558.40 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 Other Liabilities & Provisions 50,315.38 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 Total Liabilities 20,33,330.95 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 Net Block 15,625.36 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 Gross Block 25,180.36 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 Accumulated Depreciation 9,555.00 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 Total Non-Current Assets 19,41,241.91 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 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 60,882.17 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 Balance with banks and money at call 1,03,239.81 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 Investments 5,23,514.52 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 Advances 12,37,980.05 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 Other Assets 92,089.04 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 Total Assets 20,33,330.95 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 Contingent Liabilities 4,89,063.24 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 Bills for collection 35,566.16 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 Adjusted Book Value 121.47 108.61 92.71 85.76 82.22 81.44 87.74 92.31 137.05 186.13

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity 26,302.08 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 PBT 26,749.70 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 Adjustment 5,825.42 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 Adjustments for Liabilities & Assets -6,419.05 -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 Refund/(Payment) of direct taxes 146.01 -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 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 -1,415.53 -1,534.30 -1,539.34 -682.24 -1,207.35 -839.17 -239.48 -260.37 -1,288.01 -527.18 Net Fixed Assets -1769.07 1069.41 -1162.16 -2274.01 -541.33 -8030.82 -1417.83 -261.90 -597.67 -1434.59 Other Investment Activity -26547.13 -24783.10 -24995.41 -24358.36 -21716.17 -20575.15 -12565.22 -12175.03 -11152.30 -10810.19 Cash from Financing Activity -11,659.32 -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 Closing Cash & Equivalent 1,61,947.07 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 Net Cash Inflow / Outflow 13,227.23 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 Opening Cash & Equivalents 1,48,719.84 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

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity 25,635.41 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 PBT 28,378.59 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 Adjustment 4,703.29 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 Adjustments for Liabilities & Assets -7,415.12 -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 Refund/(Payment) of direct taxes -31.35 -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 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 -609.00 -1,577.63 -1,506.42 -732.47 -1,204.38 -786.84 -338.33 -629.17 391.65 158.75 Net Fixed Assets -1769.07 1069.41 -1162.16 -2274.01 -541.33 -8030.82 -1417.83 -261.90 -597.67 -1434.59 Other Investment Activity -26590.46 -24750.18 -25045.64 -24355.39 -21663.84 -20674.00 -12934.02 -10495.37 -10466.37 -11378.96 Cash from Financing Activity -11,664.01 -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 Closing Cash & Equivalent 1,64,121.98 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 Net Cash Inflow / Outflow 13,362.40 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 Opening Cash & Equivalents 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 79,049.38

Financial Ratios

Consolidated /

Standalone

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value 115.10 103.59 89.16 83.01 80.32 79.92 85.49 89.50 135.44 180.20 NIM 2.23 2.48 2.70 2.50 2.33 2.59 2.21 2.33 2.05 2.16 Yield on Advances 10.46 11.30 11.44 10.25 10.28 11.99 11.40 11.20 11.07 11.27 Yield on Investments 7.67 6.73 6.90 6.61 7.16 7.38 7.05 7.52 8.59 8.16 Cost of Liabilities 4.81 4.79 4.71 3.80 3.87 4.37 4.82 4.77 4.70 4.87 Interest Spread 5.65 6.52 6.74 6.45 6.41 7.61 6.58 6.42 6.36 6.40 ROCE 14.34% 16.30% 11.49% 5.54% 5.28% 5.36% 2.77% -14.42% -18.35% 4.82% Cost Income Ratio 51.79 54.59 53.37 51.69 49.38 47.82 44.82 47.03 56.75 39.17 Core Cost Income Ratio 55.97 58.48 54.07 50.46 53.19 52.16 47.74 49.22 65.75 44.05 Operating Costs to Assets 1.58 1.77 1.83 1.65 1.54 1.61 1.44 1.49 1.76 1.30 Loans/Deposits 0.05 0.05 0.04 0.04 0.04 0.04 0.07 0.06 0.09 0.07 Cash/Deposits 0.04 0.04 0.05 0.06 0.07 0.04 0.05 0.05 0.04 0.04 Investment/Deposits 0.29 0.32 0.31 0.31 0.32 0.36 0.34 0.30 0.31 0.30 Inc Loan/Deposits 4.81% 5.35% 3.68% 4.00% 3.99% 3.87% 7.14% 5.82% 9.47% 6.56% Credit Deposits 71.61% 68.78% 68.22% 64.85% 63.53% 60.94% 67.04% 67.79% 67.54% 67.47% Interest Expended / Interest earned 67.28% 64.86% 62.50% 59.49% 61.68% 62.20% 67.59% 66.56% 68.91% 68.29% Interest income / Total funds 6.46% 6.70% 6.84% 5.82% 5.70% 6.41% 6.48% 6.62% 6.27% 6.56% Interest Expended / Total funds 4.34% 4.34% 4.28% 3.46% 3.51% 3.99% 4.38% 4.41% 4.32% 4.48% CASA 35.63% 36.61% 40.34% 41.99% 46.56% 44.54% 42.97% 42.16% 40.99% 41.82%

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value 121.47 108.61 92.71 85.76 82.22 81.44 87.74 92.31 137.05 186.13 NIM 2.22 2.46 2.67 2.48 2.34 2.60 2.22 2.33 2.05 2.17 Yield on Advances 10.56 11.42 11.58 10.37 10.39 12.06 11.52 11.28 11.10 11.33 Yield on Investments 7.57 6.69 6.82 6.52 7.04 7.43 7.02 7.45 8.43 8.05 Cost of Liabilities 4.81 4.80 4.72 3.81 3.86 4.36 4.79 4.76 4.70 4.86 Interest Spread 5.76 6.62 6.86 6.56 6.53 7.70 6.73 6.52 6.41 6.47 ROCE 13.26% 15.27% 10.82% 5.86% 5.34% 5.39% 3.04% -13.05% -17.46% 3.92% Cost Income Ratio 51.84 54.48 53.49 51.48 49.36 47.31 44.49 47.02 56.66 38.87 Core Cost Income Ratio 55.89 58.44 54.11 50.40 52.75 51.84 47.47 49.14 65.51 43.92 Operating Costs to Assets 1.57 1.75 1.80 1.63 1.53 1.60 1.43 1.48 1.75 1.30 Loans/Deposits 0.06 0.07 0.05 0.05 0.05 0.05 0.09 0.07 0.10 0.07 Cash/Deposits 0.04 0.04 0.05 0.06 0.07 0.04 0.05 0.05 0.04 0.04 Investment/Deposits 0.30 0.33 0.32 0.32 0.34 0.36 0.36 0.31 0.32 0.30 Inc Loan/Deposits 6.24% 6.71% 5.26% 5.44% 5.14% 4.70% 8.80% 6.87% 10.07% 6.88% Credit Deposits 71.78% 68.88% 68.28% 64.90% 63.57% 61.00% 67.14% 67.82% 67.67% 67.38% Interest Expended / Interest earned 67.35% 65.08% 62.84% 59.67% 61.41% 62.01% 67.37% 66.46% 68.82% 68.09% Interest income / Total funds 6.43% 6.68% 6.82% 5.81% 5.69% 6.40% 6.45% 6.60% 6.27% 6.55% Interest Expended / Total funds 4.33% 4.34% 4.29% 3.47% 3.50% 3.97% 4.35% 4.39% 4.31% 4.46% CASA 35.49% 36.52% 40.23% 41.92% 46.45% 44.45% 42.86% 42.15% 40.97% 41.66%

Top Investors:

life insurance corporation of india

sbi nifty200 value 30 etf

llp

investor education and protection fund (iepf)

Annual Reports:

News Update:

PNB - Quarterly Results
19th Jul 2026, 00:00 AM

Read More
Punjab National Bank reports 10% rise in global business during Q1FY27
3rd Jul 2026, 10:22 AM

Global deposits grew 8.52% to Rs 17,24,840 crore (provisional) as of June 30, 2026
Read More

Punjab National Bank

Bank - Public

BSE: 532461 | NSE: PNB

Stock Summary

Chart

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

NII CAGR (%)

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P:BV (Average)

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Consolidated Figures in Rs. Crores /

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Consolidated Figures in Rs. Crores /

Financial Ratios

Consolidated /

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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: