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Fincash » Search » Punjab National Bank

Punjab National Bank

Updated on July 11, 2019

Stock/Share Code - PNB

Punjab National Bank is engaged in providing a wide range of banking and financial services including retail banking, corporate banking and treasury operations.

Below is the details of PNB Punjab National Bank

Market Cap₹37,132 Cr.
Current Price ₹75.35 as on 17 Jul 19
52 Week High / Low Price₹99.9 / ₹58.45
Face Value₹2
Stock P/E
Book Value₹89.21
Dividend Yield0.00 %
ROCE1.86 %
ROE-29.54 %
Sales Growth (3yrs)1.20 %
SectorBanks
IndustryBanks - Public Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Stock is trading at 0.90 times its book value Promoter's stake has increased
Cons: Company has low interest coverage ratio. The company has delivered a poor growth of 2.76% over past five years. Company has a low return on equity of -12.40% for last 3 years. Contingent liabilities of Rs.331986.31 Cr. Company might be capitalizing the interest cost Earnings include an other income of Rs.7377.41 Cr.

Punjab National Bank Price Chart

Punjab National Bank Price Chart

Punjab National Bank Peer Comparison in Banks

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. St Bk of India ₹84.9 148.40 ₹314,592.56 Cr. 0.00 ₹1,244.47 Cr. 116.50 13.01 65784.53 4.15
2. Bank of Baroda ₹127.3 105.06 ₹45,547.09 Cr. 0.00 -₹991.37 Cr. 68.04 20.61 13314.18 3.69
3. Punjab Natl.Bank ₹37,131.64 Cr. 0.00 -₹4,749.64 Cr. 64.60 12.75 12835.72 1.86
4. Bank of India ₹84.9 ₹31,016.08 Cr. 0.00 ₹251.79 Cr. 106.34 15.70 10814.12 3.12
5. Canara Bank ₹280.2 58.13 ₹20,171.9 Cr. 0.00 -₹551.53 Cr. 88.65 18.73 12138.48 3.86
6. Allahabad Bank ₹43.5 ₹16,729.12 Cr. 0.00 -₹3,834.07 Cr. -9.24 6.89 4036.99 2.12
7. Corporation Bank ₹26.75 ₹15,045.4 Cr. 0.00 -₹6,581.49 Cr. -258.00 -13.11 3643.37 3.83

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Punjab National Bank Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019
Revenue11,57511,83011,98411,88712,13612,29912,17511,38513,11312,32613,03512,836
Interest7,8767,9518,2538,2038,2818,2848,1878,3218,4218,3528,7458,635
Expenses5,0634,9105,6526,3085,5785,0837,29225,4258,21512,6025,76313,300
Employee Cost %16.41%16.63%17.54%-4.61%15.96%12.93%14.3%34.26%10.88%13.48%14.45%15.5%
Financing Profit-1,364-1,030-1,921-2,625-1,723-1,068-3,304-22,362-3,523-8,628-1,473-9,099
Financing Margin %-12%-9%-16%-22%-14%-9%-27%-196%-27%-70%-11%-71%
Other Income1,9001,8082,1403,1032,3321,9063,0821,5611,9591,7101,8191,889
Depreciation000000000000
Profit before tax536778219478609838-221-20,800-1,563-6,918346-7,210
Tax %43%29%5%45%44%33%204%36%40%34%29%34%
Net Profit306549207262343561230-13,417-940-4,532247-4,750
Gross NPA %13.75%13.63%13.70%12.53%13.66%13.31%12.11%18.38%18.26%17.16%16.33%15.50%
Net NPA %9.16%9.10%9.09%7.81%8.67%8.44%7.55%11.24%10.58%8.90%8.22%6.56%
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018TTM
Revenue11,53714,26519,32621,42226,98636,47641,88643,22346,31547,42447,27647,99651,310
Interest6,0238,73112,29512,94415,17923,06227,03727,07729,76032,11332,28333,07334,154
Expenses3,8084,0694,9965,9618,60010,28812,23215,68018,11926,65421,50842,80239,879
Manufacturing Cost %0.35%0.39%0.35%0.36%0.31%0.28%0.31%0.35%0.42%0.46%0.5%0.55%%
Employee Cost %20.39%17.26%15.13%14.57%16.53%12.95%13.55%15.06%15.84%13.55%11.47%19.1%%
Other Cost %12.26%10.88%10.37%12.89%15.02%14.98%15.34%20.86%22.86%42.19%33.53%69.53%%
Financing Profit1,7061,4652,0352,5173,2073,1272,617466-1,563-11,342-6,515-27,880-22,723
Financing Margin %15%10%11%12%12%9%6%1%-3%-24%-14%-58%-44%
Other Income6561,9982,9203,6103,6134,2034,2234,5775,8916,0008,9518,8817,377
Depreciation1951701912232562923183523703964255760
Profit before tax2,1683,2924,7635,9056,5647,0376,5224,6913,957-5,7382,012-19,575-15,346
Tax %29%38%35%34%32%31%27%29%23%31%34%37%
Net Profit1,5402,0493,0913,9054,4344,8844,7483,3433,062-3,9741,325-12,283-9,975
EPS in Rs9.4512.5518.9324.0327.2728.0925.9518.1215.830.006.230.00
Dividend Payout %20%20%20%18%16%15%20%11%20%-0%0%-0%

Compounded Sales Growth

  • 10 Years:: 12.90%
  • 5 Years:: 2.76%
  • 3 Years:: 1.20%
  • TTM:: 6.91%

Compounded Profit Growth

  • TTM:: -18.79%

Return on Equity

  • 10 Years:: 4.18%
  • 5 Years:: -4.44%
  • 3 Years:: -12.40%
  • Last Year:: -29.54%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
Share Capital315315315315317339353362371393426552
Equity Capital315.3315.3315.3315.3316.81339.18353.47362.07370.91392.72425.59552.11
Reserves10,12012,00314,33817,40821,19227,47632,32335,53338,70937,91741,67240,522
Borrowings141,809171,904222,220268,592344,488416,853431,181499,431547,049612,806662,467703,077
Other Liabilities10,28514,82710,06610,34312,35713,55215,10815,42217,61516,67716,25822,689
Total Liabilities162,529199,049246,940296,658378,354458,220478,965550,748603,743667,793720,823766,840
Fixed Assets1,0102,3162,3972,5133,0203,1693,3583,4203,5515,2236,2736,349
Gross Block2319.233787.094033.84337.765038.195425.695881.736240.96677.688567.6210027.4510625.12
Accumulated Depreciation1309.411471.571636.691824.292018.682256.832524.052821.163126.23344.893754.24275.8
CWIP0000860000000
Investments45,19053,99263,38577,72495,162122,703129,896143,786149,877157,846186,725200,306
Other Assets116,329142,742181,157216,420280,086332,349345,712403,543450,315504,725527,824560,185
Cash Equivalents15645.5218830.7221413.1423473.5629691.228828.0427135.3845218.4555934.1775623.0988331.6595462
Loans n Advances4087.434409.255041.226345.238288.39745.799780.339055.4613846.4116775.919999.5530988.11
Total Assets162,529199,049246,940296,658378,354458,220478,965550,748603,743667,793720,823766,840

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
Cash from Operating Activity-10,1441,7562,1051,8368,046-811-1,88717,7295,61917,04512,4971,012
Profit from operations4030.784527.456476.318382.3310268.7311870.6612173.7212691.8913519.5614228.0316599.0412598.71
Working Capital Changes-13414.68-824.37-2757.63-4067.02-758.55-10296.4-12568.846646.62-5541.914289.49-2713.97-9834.39
Taxes paid-760.43-1946.96-1613.52-2479.32-1464.51-2385.48-1491.59-1609.39-2358.98-1472.15-1388.01-1752.62
Cash from Investing Activity-159-444-396-409-1,084-492-651-634-849-783-527-1,288
Fixed Assets Purchased-182.17-232.95-292.82-358.53-866.15-372.5-525.4-430.44-519.97-607.25-564.43-649.65
Cash from Financing Activity1,1581,874873634-7444408459885,9468567397,407
Proceeds from Shares00001842244.9112485008701732211210423.78
Interest Paid-242.7-357.44-567.84-864.5-987.16-994.47-967.45-939.43-1224.28-1646.81-1623.51-1807.1
Dividends Paid-359.53-239.02-479.56-1106.66-441.2-810.06859.36692.770-728.900
Net Cash Flow-9,1463,1852,5822,0606,218-863-1,69318,08310,71617,11912,7097,130

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Ratios

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
ROE %18%18%23%23%23%20%16%10%8%-10%3%-30%

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.