Punjab National Bank
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]
- Market Cap ₹ 56,652 Cr.
- Current Price ₹ 51.4
- High / Low ₹ 62.0 / 28.0
- Stock P/E 16.9
- Book Value ₹ 88.6
- Dividend Yield 1.26 %
- ROCE 4.32 %
- ROE 3.43 %
- Face Value ₹ 2.00
Pros
- Stock is trading at 0.58 times its book value
Cons
- Company has low interest coverage ratio.
- Company has a low return on equity of 3.61% over last 3 years.
- Contingent liabilities of Rs.6,44,471 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
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
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 |
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 |
10,472 | 12,456 | 16,112 | 18,760 | 27,453 | 22,533 | 43,345 | 39,645 | 25,867 | 38,601 | 36,026 | 42,406 | |
Financing Profit | 3,234 | 2,812 | 626 | -1,394 | -10,980 | -7,197 | -28,151 | -22,153 | -7,946 | -7,470 | -6,607 | -7,378 |
Financing Margin % | 9% | 7% | 1% | -3% | -22% | -15% | -58% | -42% | -14% | -9% | -9% | -8% |
4,240 | 4,310 | 4,710 | 6,175 | 6,100 | 9,168 | 8,883 | 7,367 | 9,388 | 12,777 | 12,329 | 12,240 | |
Depreciation | 302 | 336 | 367 | 384 | 413 | 430 | 581 | 584 | 614 | 982 | 896 | 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 | 4,861 |
Tax % | 31% | 27% | 29% | 24% | 31% | 41% | 37% | 35% | 56% | 38% | 19% | 37% |
Net Profit | 5,052 | 5,020 | 3,674 | 3,525 | -3,510 | 1,239 | -12,111 | -9,550 | 485 | 2,695 | 3,908 | 3,359 |
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 |
Dividend Payout % | 15% | 19% | 10% | 18% | -2% | 0% | 0% | 0% | 0% | 0% | 18% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | 7% |
5 Years: | 12% |
3 Years: | 17% |
TTM: | 14% |
Compounded Profit Growth | |
---|---|
10 Years: | -4% |
5 Years: | 18% |
3 Years: | 97% |
TTM: | -13% |
Stock Price CAGR | |
---|---|
10 Years: | -10% |
5 Years: | -9% |
3 Years: | 24% |
1 Year: | 63% |
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
339 | 353 | 362 | 371 | 393 | 426 | 552 | 921 | 1,348 | 2,096 | 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 | |
427,054 | 446,090 | 520,237 | 574,450 | 652,056 | 672,987 | 713,769 | 728,702 | 772,767 | 1,166,015 | 1,213,606 | ||
14,188 | 16,089 | 16,490 | 19,522 | 18,932 | 16,909 | 22,242 | 15,333 | 14,814 | 21,176 | 28,113 | ||
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 | |
3,217 | 3,422 | 3,490 | 3,656 | 5,308 | 6,298 | 6,371 | 6,246 | 7,262 | 11,049 | 10,696 | ||
CWIP | 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 | |
341,408 | 358,491 | 422,105 | 475,594 | 542,358 | 535,486 | 566,738 | 573,295 | 590,413 | 864,307 | 940,019 | ||
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 |
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 | 19,932 | 22,592 | |
-397 | -600 | -302 | -872 | -1,352 | 159 | 392 | -629 | -338 | -787 | -1,104 | -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% |
Documents
Announcements
- Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 1h
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Announcement under Regulation 30 (LODR)-Newspaper Publication
1h - Newspaper Publication- Loss of Share Certificate(s)
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 1d
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Announcement under Regulation 30 (LODR)-Earnings Call Transcript
26 May - Transcript of the Earnings Call with Analysts/Investors on Financial Results for quarter/ year ended 31st March, 2023.
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Compliances-Reg.24(A)-Annual Secretarial Compliance
26 May - Compliance Report for the year ended 31.03.2023
Annual reports
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Financial Year 2022
from bse
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Financial Year 2021
from bse
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Financial Year 2020
from bse
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
from bse
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Financial Year 2015
from bse
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Financial Year 2014
from bse
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Financial Year 2013
from bse
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Financial Year 2012
from nse
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Financial Year 2012
from bse
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Financial Year 2011
from bse
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Financial Year 2011
from nse
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Financial Year 2010
from nse
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Financial Year 2010
from bse
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Financial Year 2007
from nse
Concalls
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Jan 2023Transcript PPT REC
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Nov 2022Transcript PPT REC
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Jul 2022Transcript PPT
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Apr 2022TranscriptNotesPPT
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Jan 2022Transcript PPT
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Oct 2021Transcript PPT
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Jul 2021TranscriptNotesPPT
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Nov 2020TranscriptNotesPPT
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May 2019TranscriptNotesPPT
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Aug 2018TranscriptNotesPPT
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Aug 2017TranscriptNotesPPT
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May 2017TranscriptNotesPPT
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Nov 2016TranscriptNotesPPT
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Aug 2016TranscriptNotesPPT
Ratios
Capital Adequacy Ratio - 13.88%
Net Interest Margin - 3.09%
Gross NPA - 12.99%[1]
Net NPA - 4.03%
CASA Ratio - 44.66%[2]