Punjab National Bank

Punjab Natl.Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Punjab National Bank

₹ 100 -1.50%
22 May - close price
pnbindia.in BSE: 532461 NSE: PNB
About

Punjab National Bank is India's first Swadeshi Bank. PNB is a Banking and Financial service bank owned by the Government of India with its headquarters is in New Delhi, India. It is the Second largest PSU after SBI.[1]

Key Points

Market Position
The bank is among the top 3 Public Sector Banks in India by way of business size, with a strong presence in North and Central India. [1]

Website BSE NSE
  • Market Cap ₹ 1,15,411 Cr.
  • Current Price ₹ 100
  • High / Low ₹ 139 / 85.5
  • Stock P/E 6.94
  • Book Value ₹ 111
  • Dividend Yield 2.89 %
  • ROCE 6.30 %
  • ROE 14.2 %
  • Face Value ₹ 2.00
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Pros

  • Stock is trading at 0.91 times its book value
  • Company has delivered good profit growth of 124% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 22.9%

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 8.62% over last 3 years.
  • Contingent liabilities of Rs.2,59,543 Cr.
  • Company might be capitalizing the interest cost
  • Promoter holding has decreased over last 3 years: -3.07%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Public Sector

Part of BSE 500 BSE 100 BSE 200 BSE PSU Nifty Next 50

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
18,645 18,757 20,154 22,384 23,849 25,145 26,355 27,288 28,113 28,556 29,875 31,340 31,989
Interest 11,341 11,214 11,883 13,205 14,350 15,641 16,432 16,995 17,750 18,080 19,358 20,308 21,232
9,341 9,491 10,457 11,515 10,883 10,935 10,179 9,375 9,783 8,817 8,523 7,538 9,057
Financing Profit -2,037 -1,948 -2,186 -2,335 -1,384 -1,431 -256 918 580 1,659 1,993 3,494 1,700
Financing Margin % -11% -10% -11% -10% -6% -6% -1% 3% 2% 6% 7% 11% 5%
2,450 2,537 2,847 3,338 3,420 3,434 3,028 2,674 4,248 3,610 4,572 3,412 4,716
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 413 589 661 1,003 2,036 2,003 2,772 3,592 4,828 5,269 6,565 6,906 6,416
Tax % 51% 48% 38% 37% 43% 37% 37% 38% 38% 38% 34% 35% 29%
202 308 411 629 1,159 1,255 1,756 2,223 3,010 3,252 4,303 4,508 4,567
EPS in Rs 0.18 0.28 0.37 0.57 1.05 1.14 1.59 2.02 2.73 2.95 3.74 3.92 3.97
Gross NPA % 11.78% 11.27% 10.48% 9.76% 8.74% 7.73% 6.96% 6.24% 5.73% 4.98% 4.48% 4.09% 3.95%
Net NPA % 4.80% 4.28% 3.80% 3.30% 2.72% 1.98% 1.47% 0.96% 0.73% 0.60% 0.46% 0.41% 0.40%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
43,223 46,315 47,424 47,276 47,996 51,310 53,800 80,818 74,880 85,144 106,902 121,761
Interest 27,077 29,760 32,113 32,283 33,073 34,154 36,362 50,273 46,185 50,652 66,819 78,979
15,680 18,119 26,654 21,508 42,802 39,301 25,365 38,014 35,809 41,449 39,377 33,935
Financing Profit 466 -1,563 -11,342 -6,515 -27,880 -22,145 -7,927 -7,468 -7,115 -6,958 706 8,847
Financing Margin % 1% -3% -24% -14% -58% -43% -15% -9% -10% -8% 1% 7%
4,577 5,891 6,000 8,951 8,881 7,377 9,274 11,922 12,320 12,143 13,384 16,309
Depreciation 352 370 396 425 576 578 608 975 889 897 895 0
Profit before tax 4,691 3,957 -5,738 2,012 -19,575 -15,346 739 3,479 4,316 4,288 13,194 25,156
Tax % 29% 23% -31% 34% -37% -35% 55% 42% 20% 42% 38% 34%
3,343 3,062 -3,974 1,325 -12,283 -9,975 336 2,022 3,457 2,507 8,245 16,630
EPS in Rs 18.46 16.51 -20.24 6.23 -44.49 -21.67 0.50 1.93 3.14 2.28 7.49 14.47
Dividend Payout % 11% 20% 0% 0% 0% 0% 0% 0% 20% 29% 20% 20%
Compounded Sales Growth
10 Years: 10%
5 Years: 18%
3 Years: 18%
TTM: 14%
Compounded Profit Growth
10 Years: 18%
5 Years: 124%
3 Years: 69%
TTM: 102%
Stock Price CAGR
10 Years: -4%
5 Years: 30%
3 Years: 49%
1 Year: -20%
Return on Equity
10 Years: 1%
5 Years: 7%
3 Years: 9%
Last Year: 14%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 362 371 393 426 552 921 1,348 2,096 2,202 2,202 2,202 2,299
Reserves 35,533 38,709 37,917 41,672 40,522 43,866 61,010 88,842 93,285 97,653 104,274 125,064
Deposits 463,027 519,309 553,051 621,704 642,226 676,030 703,846 1,106,332 1,146,218 1,281,163 1,369,713 1,566,623
Borrowing 36,404 27,740 59,755 40,763 60,851 39,326 50,225 42,840 45,681 51,292 50,430 83,777
15,093 17,205 16,274 15,766 21,679 14,806 14,237 20,523 27,418 29,521 35,216 40,408
Total Liabilities 550,420 603,334 667,390 720,331 765,830 774,949 830,666 1,260,633 1,314,805 1,461,831 1,561,835 1,818,171
3,420 3,551 5,223 6,273 6,349 6,225 7,239 11,021 10,674 12,051 12,319 13,053
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 143,786 149,877 157,846 186,725 200,306 202,128 240,466 392,983 372,168 395,997 420,318 497,311
403,215 449,905 504,322 527,332 559,175 566,596 582,961 856,628 931,964 1,053,784 1,129,198 1,307,806
Total Assets 550,420 603,334 667,390 720,331 765,830 774,949 830,666 1,260,633 1,314,805 1,461,831 1,561,835 1,818,171

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
17,729 5,619 17,045 12,497 1,012 -30,893 -12,613 30,903 20,464 21,780 -27,895 22,272
-634 -849 -783 -527 -1,288 -260 -239 -839 -1,207 -682 -1,539 -1,534
988 5,946 856 739 7,407 10,979 13,557 5,293 2,041 1,364 3,430 -1,123
Net Cash Flow 18,083 10,716 17,119 12,709 7,130 -20,174 705 35,357 21,297 22,462 -26,004 19,615

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 10% 8% -10% 3% -30% -23% 1% 3% 4% 3% 8% 14%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
73.15% 73.15% 73.15% 73.15% 73.15% 73.15% 73.15% 73.15% 73.15% 70.08% 70.08% 70.08%
0.99% 1.22% 1.71% 1.71% 1.82% 2.65% 3.10% 4.82% 5.51% 8.42% 5.70% 5.71%
11.45% 12.29% 12.98% 13.53% 13.44% 13.80% 13.74% 12.37% 10.76% 11.61% 14.31% 14.67%
14.41% 13.33% 12.16% 11.61% 11.57% 10.41% 10.00% 9.67% 10.57% 9.89% 9.91% 9.54%
No. of Shareholders 20,40,14120,10,93820,29,64620,67,20220,30,10020,83,54621,63,62523,53,62525,29,28325,79,49126,40,52026,53,665

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

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