Nifty
:
22795.90
Sensex
:
75311.06
-117.25 (-0.51%)
-424.90 (-0.56%)
Nifty
Sensex
:
:
22795.90
75311.06
-117.25 (-0.51%)
-424.90 (-0.56%)

Punjab National Bank

Bank - Public

Rating :
N/A

BSE: 532461 | NSE: PNB

NSE BSE
99.72
06-Feb-2025
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  100.80
  •  101.01
  •  99.40
  •  100.26
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  22650204
  •  22643.60
  •  142.90
  •  90.16

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 1,08,378.46
  • 6.44
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 1,15,638.95
  • 1.59%
  • 0.88

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 70.08%
  • 0.69%
  • 8.72%
  • FII
  • DII
  • Others
  • 5.7%
  • 14.25%
  • 0.56%

Chart

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

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -20.73
  • -53.31
  • -52.71

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 9.92
  • 92.05
  • 31.64

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 0.68
  • 0.82

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 11.66
  • 13.92
  • 15.12

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.70
  • 0.68
  • 0.82

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 3.72
  • 3.21
  • 3.49

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Jun 24
Jun 23
Var%
Mar 24
Mar 23
Var%
Interest Earned
31,894.80
27,851.71
14.52%
30,447.42
26,857.70
13.37%
29,144.54
25,672.85
13.52%
28,682.32
24,305.34
18.01%
Interest Exp.
20,737.68
17,444.02
18.88%
19,790.35
16,819.84
17.66%
18,536.31
16,064.38
15.39%
18,205.92
14,689.55
23.94%
Net Interest Income
11,157.12
10,407.69
7.20%
10,657.07
10,037.86
6.17%
10,608.23
9,608.47
10.40%
10,476.40
9,615.79
8.95%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
3,391.63
2,675.67
26.76%
4,664.05
2,999.35
55.50%
3,615.35
3,360.26
7.59%
4,294.15
3,826.89
12.21%
Total Income
35,286.43
30,527.38
15.59%
35,111.47
29,857.05
17.60%
32,759.89
29,033.11
12.84%
32,976.47
28,132.23
17.22%
Operating Exp.
7,897.13
6,705.37
17.77%
8,312.32
6,798.15
22.27%
7,569.95
7,034.52
7.61%
8,270.94
7,104.81
16.41%
Operating Profit
6,651.62
6,377.99
4.29%
7,008.80
6,239.06
12.34%
6,653.63
5,934.21
12.12%
6,499.61
6,337.87
2.55%
Provision
-403.42
2,743.63
-
280.16
3,460.77
-91.90%
902.56
3,955.02
-77.18%
1,559.74
3,708.18
-57.94%
PBT
7,055.04
3,634.36
94.12%
6,728.64
2,778.29
142.19%
5,751.07
1,979.19
190.58%
4,939.87
2,629.69
87.85%
PBTM
22.12
13.05
69.50%
22.10
10.34
113.73%
19.73
7.71
155.90%
17.22
10.82
59.15%
TAX
2,406.44
1,381.69
74.17%
2,296.65
1,013.75
126.55%
2,034.90
768.37
164.83%
1,838.99
888.58
106.96%
PAT
4,648.60
2,252.67
106.36%
4,431.99
1,764.54
151.17%
3,716.17
1,210.82
206.91%
3,100.88
1,741.11
78.10%
PATM
14.57%
8.09%
14.56%
6.57%
12.75%
4.72%
10.81%
7.16%
EPS
4.04
1.96
106.12%
3.86
1.54
150.65%
3.23
1.05
207.62%
2.70
1.51
78.81%
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 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Net Interest Income
42,898.82
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
17,366.77
Interest Earned
1,20,169.08
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
48,709.82
Interest Expended
77,270.26
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
31,343.05
Int. income Growth
8.14%
15.71%
19.07%
-5.50%
73.71%
2.46%
15.12%
-0.92%
-6.91%
-5.14%
 
Other Income
15,965.18
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
6,174.60
Total Income
1,36,134.26
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
23,541.37
Total Expenditure
32,050.34
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
18,760.30
Employee Cost
-
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
7,469.12
% Of Sales
-
17.09%
17.21%
15.70%
15.01%
12.86%
13.51%
18.97%
11.41%
12.92%
15.33%
Opt. & Establishment Exp.
-
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
3,723.86
% Of Sales
-
10.15%
11.86%
12.35%
11.23%
10.39%
10.02%
10.22%
9.30%
8.26%
7.64%
Provisions
-
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
8,335.30
% Of Sales
-
10.75%
20.81%
21.55%
23.27%
26.10%
54.73%
62.15%
27.97%
34.48%
17.11%
EBITDA
26,813.66
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
4,781.07
EBITDA Margin
73.33%
35.13%
16.46%
18.66%
15.31%
8.04%
-84.53%
-126.81%
12.85%
-29.62%
27.53%
Depreciation
0.00
905.60
904.87
896.17
982.23
614.44
584.01
581.03
430.44
413.15
383.99
PBT
24,474.62
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
4,397.08
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
8,576.98
5,002.80
1,792.08
918.50
1,629.93
463.67
-5,343.39
-7,264.36
638.97
-1,629.85
1,055.67
Tax Rate
35.04%
37.53%
36.86%
19.99%
43.09%
56.07%
34.77%
36.60%
41.49%
30.79%
24.01%
PAT
15,826.38
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
3,215.57
PAT before Minority Interest
15,897.64
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
3,341.41
Minority Interest
-71.26
-49.95
-10.33
-46.85
-132.62
-46.48
-20.09
-2.10
-51.98
-179.69
-125.84
PAT Margin
26.89%
15.37%
6.47%
8.74%
4.66%
1.16%
-40.41%
-52.27%
3.47%
-17.02%
13.66%
PAT Growth
128.11%
170.64%
-15.71%
79.68%
537.46%
0
0
-1582.24%
0
-219.51%
 
EPS
13.83
7.20
2.66
3.16
1.76
0.28
-8.74
-10.95
0.74
-3.34
2.80

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Shareholder's Funds
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
42,039.44
Share Capital
2,202.20
2,202.20
2,202.20
2,095.54
1,347.51
920.81
552.11
425.59
392.72
370.91
Total Reserves
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
41,668.53
Minority Interest
560.77
459.38
473.46
486.79
360.69
287.70
308.53
780.63
728.65
548.95
Deposits
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
5,15,245.43
Borrowings
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
59,204.76
Other Liabilities & Provisions
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
18,972.59
Total Liabilities
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
6,36,011.17
Net Block
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
3,655.77
Gross Block
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
6,887.30
Accumulated Depreciation
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
3,231.53
Total Non-Current Assets
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
6,23,290.71
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
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
24,435.78
Balance with banks and money at call
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
33,823.44
Investments
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
1,56,761.66
Advances
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
4,04,614.06
Other Assets
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
12,720.46
Total Assets
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
6,36,011.17
Contingent Liabilities
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
2,82,956.16
Bills for collection
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
19,640.62
Adjusted Book Value
92.71
85.76
82.22
81.44
87.74
92.31
137.05
186.13
198.41
219.18

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Cash From Operating Activity
-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
4,813.60
PBT
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
4,596.27
Adjustment
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
9,966.59
Adjustments for Liabilities & Assets
-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
-7,192.92
Refund/(Payment) of direct taxes
-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
-2,556.34
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
-1,506.42
-732.47
-1,204.38
-786.84
-338.33
-629.17
391.65
158.75
-1,351.51
-871.80
Net Fixed Assets
-1162.16
-2274.01
-541.33
-8030.82
-1417.83
-261.90
-597.67
-1434.59
-1889.94
-462.02
Other Investment Activity
-25045.64
-24355.39
-21663.84
-20674.00
-12934.02
-10495.37
-10466.37
-11378.96
-9464.66
-7004.92
Cash from Financing Activity
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
7,451.43
Closing Cash & Equivalent
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
58,259.22
Net Cash Inflow / Outflow
-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
11,393.23
Opening Cash & Equivalents
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
46,865.99

Financial Ratios

Consolidated /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Book Value
92.71
85.76
82.22
81.44
87.74
92.31
137.05
186.13
198.41
219.18
NIM
2.67
2.48
2.34
2.60
2.22
2.33
2.05
2.17
2.39
2.80
Yield on Advances
11.58
10.37
10.39
12.06
11.52
11.28
11.10
11.33
11.39
12.04
Yield on Investments
6.82
6.52
7.04
7.43
7.02
7.45
8.43
8.05
8.19
7.76
Cost of Liabilities
4.72
3.81
3.86
4.36
4.79
4.76
4.70
4.86
5.26
5.46
Interest Spread
6.86
6.56
6.53
7.70
6.73
6.52
6.41
6.47
6.12
6.58
ROCE
10.82%
5.86%
5.34%
5.39%
3.04%
-13.05%
-17.46%
3.92%
-1.39%
7.69%
Cost Income Ratio
53.49
51.48
49.36
47.31
44.49
47.02
56.66
38.87
45.85
45.91
Core Cost Income Ratio
54.11
50.40
52.75
51.84
47.47
49.14
65.51
43.92
47.96
48.21
Operating Costs to Assets
1.80
1.63
1.53
1.60
1.43
1.48
1.75
1.30
1.45
1.70
Loans/Deposits
0.05
0.05
0.05
0.05
0.09
0.07
0.10
0.07
0.14
0.11
Cash/Deposits
0.05
0.06
0.07
0.04
0.05
0.05
0.04
0.04
0.05
0.05
Investment/Deposits
0.32
0.32
0.34
0.36
0.36
0.31
0.32
0.30
0.29
0.30
Inc Loan/Deposits
5.26%
5.44%
5.14%
4.70%
8.80%
6.87%
10.07%
6.88%
14.32%
11.49%
Credit Deposits
68.28%
64.90%
63.57%
61.00%
67.14%
67.82%
67.67%
67.38%
78.21%
78.53%
Interest Expended / Interest earned
62.84%
59.67%
61.41%
62.01%
67.37%
66.46%
68.82%
68.09%
67.57%
64.35%
Interest income / Total funds
6.82%
5.81%
5.69%
6.40%
6.45%
6.60%
6.27%
6.55%
7.13%
7.66%
Interest Expended / Total funds
4.29%
3.47%
3.50%
3.97%
4.35%
4.39%
4.31%
4.46%
4.82%
4.93%
CASA
40.23%
41.92%
46.45%
44.45%
42.86%
42.15%
40.97%
41.66%
36.58%
36.03%

Annual Reports:

FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016
FY 2015

News Update:


  • PNB - Quarterly Results
    31st Jan 2025, 13:16 PM

    Read More
  • PNB raises Rs 3000 crore through bonds
    24th Dec 2024, 11:45 AM

    The non-convertible taxable bonds will qualify as Additional Tier I capital

    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.