Punjab National Bank

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

Punjab National Bank

₹ 128 -1.00%
19 Apr 4:01 p.m.
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 Third largest PSU after IOB in India.[1]

Key Points

Ratios Q3FY24[1]
PCR - 94.28%
GNPA - 6.24%
NNPA - 0.96%
CASA Ratio - 42.47%
Slippage Ratio - 0.81%

Website BSE NSE
  • Market Cap ₹ 1,41,216 Cr.
  • Current Price ₹ 128
  • High / Low ₹ 138 / 47.8
  • Stock P/E 18.5
  • Book Value ₹ 93.4
  • Dividend Yield 0.51 %
  • ROCE 4.10 %
  • ROE 3.34 %
  • Face Value ₹ 2.00
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Pros

  • Company's working capital requirements have reduced from 87.9 days to 67.6 days

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 3.57% over last 3 years.
  • Contingent liabilities of Rs.6,79,641 Cr.
  • Company might be capitalizing the interest cost

* 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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Revenue 20,632 19,066 19,237 18,335 19,579 19,090 19,144 20,588 22,808 24,305 25,673 26,858 27,852
Interest 12,135 11,975 11,843 11,786 11,697 11,497 11,443 12,172 13,513 14,690 16,064 16,820 17,444
10,171 8,720 9,776 8,922 8,839 9,384 9,523 10,493 11,578 10,813 10,990 10,259 9,449
Financing Profit -1,675 -1,629 -2,382 -2,373 -957 -1,791 -1,822 -2,077 -2,282 -1,197 -1,381 -221 959
Financing Margin % -8% -9% -12% -13% -5% -9% -10% -10% -10% -5% -5% -1% 3%
2,751 2,568 3,879 3,262 2,696 2,261 2,384 2,704 3,325 3,827 3,360 2,999 2,676
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 1,076 939 1,497 889 1,739 470 562 626 1,043 2,630 1,979 2,778 3,634
Tax % 46% 42% 28% -35% 34% 48% 46% 42% 37% 34% 39% 36% 38%
781 715 1,184 1,127 1,249 348 271 496 715 1,876 1,363 1,990 2,441
EPS in Rs 0.71 0.67 1.06 1.00 1.14 0.31 0.26 0.45 0.64 1.69 1.22 1.81 2.21
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Revenue 37,495 43,071 44,958 48,710 50,804 48,058 48,725 52,147 54,918 81,935 76,242 86,845 104,688
Interest 23,789 27,802 28,220 31,343 34,331 32,722 33,530 34,656 36,997 50,805 46,823 51,817 65,018
10,472 12,456 16,112 18,760 27,453 22,533 43,345 39,645 25,867 38,601 36,026 41,502 41,510
Financing Profit 3,234 2,812 626 -1,394 -10,980 -7,197 -28,151 -22,153 -7,946 -7,470 -6,607 -6,473 -1,841
Financing Margin % 9% 7% 1% -3% -22% -15% -58% -42% -14% -9% -9% -7% -2%
4,240 4,310 4,710 6,175 6,100 9,168 8,883 7,367 9,388 12,777 12,329 12,529 12,862
Depreciation 302 336 367 384 413 430 581 584 614 982 896 905 0
Profit before tax 7,171 6,786 4,969 4,397 -5,293 1,540 -19,849 -15,370 827 4,325 4,826 5,151 11,022
Tax % 31% 27% 29% 24% 31% 41% 37% 35% 56% 38% 19% 35%
5,052 5,020 3,674 3,525 -3,510 1,239 -12,111 -9,550 485 2,695 3,908 3,359 7,670
EPS in Rs 29.63 28.03 19.98 18.33 -18.79 5.58 -43.88 -20.79 0.65 2.45 3.51 3.04 6.93
Dividend Payout % 15% 19% 10% 18% -2% 0% 0% 0% 0% 0% 18% 21%
Compounded Sales Growth
10 Years: 7%
5 Years: 12%
3 Years: 17%
TTM: 28%
Compounded Profit Growth
10 Years: -4%
5 Years: 18%
3 Years: 97%
TTM: 321%
Stock Price CAGR
10 Years: -2%
5 Years: 7%
3 Years: 56%
1 Year: 164%
Return on Equity
10 Years: -1%
5 Years: 0%
3 Years: 4%
Last Year: 3%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity Capital 339 353 362 371 393 426 552 921 1,348 2,096 2,202 2,202
Reserves 28,865 34,116 37,731 41,669 41,412 42,990 40,965 45,164 62,529 90,439 95,380 100,678
427,054 446,090 520,237 574,450 652,056 672,987 713,769 728,702 772,767 1,166,015 1,213,606 1,360,496
14,188 16,089 16,490 19,522 18,932 16,909 22,242 15,333 14,814 21,176 28,113 30,273
Total Liabilities 470,445 496,648 574,820 636,011 712,793 733,311 777,528 790,120 851,457 1,279,725 1,339,301 1,493,649
3,217 3,422 3,490 3,656 5,308 6,298 6,371 6,246 7,262 11,049 10,696 12,084
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 125,820 134,734 149,225 156,762 165,126 191,527 204,419 210,578 253,782 404,369 388,586 416,914
341,408 358,491 422,105 475,594 542,358 535,486 566,738 573,295 590,413 864,307 940,019 1,064,651
Total Assets 470,445 496,648 574,820 636,011 712,793 733,311 777,528 790,120 851,457 1,279,725 1,339,301 1,493,649

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
-25 -692 16,906 4,814 14,167 21,938 -1,742 -33,532 -12,793 30,950 20,032 22,592
-397 -600 -302 -872 -1,352 159 392 -629 -338 -787 -1,204 -732
451 -694 2,129 7,451 5,975 -9,767 7,460 13,969 13,591 5,415 2,032 1,275
Net Cash Flow 29 -1,987 18,733 11,393 18,790 12,330 6,109 -20,192 460 35,579 20,859 23,135

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
ROE % 19% 16% 10% 8% -8% 3% -29% -22% 1% 3% 4% 3%

Shareholding Pattern

Numbers in percentages

3 Recently
Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
73.15% 73.15% 73.15% 73.15% 73.15% 73.15% 73.15% 73.15% 73.15% 73.15% 73.15% 73.15%
2.51% 2.21% 1.19% 1.36% 0.99% 1.22% 1.71% 1.71% 1.82% 2.65% 3.10% 4.82%
11.27% 11.21% 11.61% 11.60% 11.45% 12.29% 12.98% 13.53% 13.44% 13.80% 13.74% 12.37%
13.07% 13.44% 14.05% 13.89% 14.41% 13.33% 12.16% 11.61% 11.57% 10.41% 10.00% 9.67%
No. of Shareholders 16,18,14416,90,48418,77,24719,50,65920,40,14120,10,93820,29,64620,67,20220,30,10020,83,54621,63,62523,53,625

* 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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