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Fincash » Search » Punjab National Bank

Punjab National Bank

Updated on April 3, 2020

Stock/Share Code - PNB

Punjab National Bank (PNB or the Bank) is a public sector bank. The Bank provides various banking services, such as digital banking, personal banking, social banking, micro, small and medium enterpris...Read more

Below is the details of PNB Punjab National Bank

Market Cap₹44,198 Cr.
Current Price ₹59.65 as on 10 Dec 19
52 Week High / Low Price₹99.9 / ₹55.7
Face Value₹2
Stock P/E
Book Value₹66.47
Dividend Yield0.00 %
ROCE2.50 %
ROE-23.28 %
Sales Growth (3yrs)2.66 %
SectorBanks
IndustryBanks - Public Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Stock is trading at 0.99 times its book value Promoter's stake has increased
Cons: Company has low interest coverage ratio. The company has delivered a poor growth of 3.49% over past five years. Company has a low return on equity of -16.81% for last 3 years. Contingent liabilities of Rs.332736.03 Cr. Company might be capitalizing the interest cost Earnings include an other income of Rs.8048.56 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 ₹67.05 29.47 ₹305,087.85 Cr. 0.00 ₹3,375.4 Cr. 264.96 9.65 67356.24 4.66
2. Punjab Natl.Bank ₹44,198.43 Cr. 0.00 ₹507.05 Cr. 111.19 7.83 13291.92 2.50
3. Bank of Baroda ₹95.6 27.26 ₹41,635.87 Cr. 0.00 ₹853.41 Cr. 41.36 57.62 20076.68 4.53
4. Bank of India ₹67.05 ₹24,871.85 Cr. 0.00 ₹257.31 Cr. 122.38 8.98 10715.29 2.99
5. Union Bank (I) ₹53.95 ₹21,580.87 Cr. 0.00 -₹1,192.34 Cr. -1492.43 10.07 9468.46 4.12
6. Canara Bank ₹210.65 23.79 ₹17,109.96 Cr. 0.00 ₹442.86 Cr. 20.37 13.48 12500.37 4.73
7. UCO Bank ₹15.6 ₹15,306.35 Cr. 0.00 -₹891.98 Cr. 21.51 9.34 3804.64 2.69

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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

Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019
Revenue11,98411,88712,13612,29912,17511,38513,11312,32613,03512,83613,08613,292
Interest8,2538,2038,2818,2848,1878,3218,4218,3528,7458,6358,9459,028
Expenses5,6526,3085,5785,0837,29225,4258,21512,6025,76313,3004,7595,895
Employee Cost %17.54%-4.61%15.96%12.93%14.3%34.26%10.88%13.48%14.45%15.5%12.85%12.6%
Financing Profit-1,921-2,625-1,723-1,068-3,304-22,362-3,523-8,628-1,473-9,099-617-1,632
Financing Margin %-16%-22%-14%-9%-27%-196%-27%-70%-11%-71%-5%-12%
Other Income2,1403,1032,3321,9063,0821,5611,9591,7101,8191,8892,0752,265
Depreciation000000000000
Profit before tax219478609838-221-20,800-1,563-6,918346-7,2101,458633
Tax %5%45%44%33%204%36%40%34%29%34%30%20%
Net Profit207262343561230-13,417-940-4,532247-4,7501,019507
EPS in Rs0.971.231.612.631.04-54.89-3.41-16.180.70-12.382.211.10
Gross NPA %13.70%12.53%13.66%13.31%12.11%18.38%18.26%17.16%16.33%15.50%16.49%16.76%
Net NPA %9.09%7.81%8.67%8.44%7.55%11.24%10.58%8.90%8.22%6.56%7.17%7.65%
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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Revenue14,26519,32621,42226,98636,47641,88643,22346,31547,42447,27647,99651,31052,249
Interest8,73112,29512,94415,17923,06227,03727,07729,76032,11332,28333,07334,15435,354
Expenses4,0694,9965,9618,60010,28812,23215,68018,11926,65421,50842,80239,30129,717
Manufacturing Cost %0.39%0.35%0.36%0.31%0.28%0.31%0.35%0.42%0.46%0.5%0.55%0.55%%
Employee Cost %17.26%15.13%14.57%16.53%12.95%13.55%15.06%15.84%13.55%11.47%19.1%13.57%%
Other Cost %10.88%10.37%12.89%15.02%14.98%15.34%20.86%22.86%42.19%33.53%69.53%62.48%%
Financing Profit1,4652,0352,5173,2073,1272,617466-1,563-11,342-6,515-27,880-22,145-12,821
Financing Margin %10%11%12%12%9%6%1%-3%-24%-14%-58%-43%-25%
Other Income1,9982,9203,6103,6134,2034,2234,5775,8916,0008,9518,8817,3778,049
Depreciation1701912232562923183523703964255765780
Profit before tax3,2924,7635,9056,5647,0376,5224,6913,957-5,7382,012-19,575-15,346-4,773
Tax %38%35%34%32%31%27%29%23%31%34%37%35%
Net Profit2,0493,0913,9054,4344,8844,7483,3433,062-3,9741,325-12,283-9,975-2,977
EPS in Rs27.2728.0925.9518.1215.830.006.230.000.00-8.37
Dividend Payout %20%20%18%16%15%20%11%20%-0%0%-0%-0%

Compounded Sales Growth

  • 10 Years:: 10.26%
  • 5 Years:: 3.49%
  • 3 Years:: 2.66%
  • TTM:: 6.63%

Compounded Profit Growth

  • TTM:: 84.04%

Return on Equity

  • 10 Years:: -9.79%
  • 5 Years:: -21.43%
  • 3 Years:: -21.64%
  • 1 Year:: -6.15%

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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Share Capital315315315317339353362371393426552921
Equity Capital315.3315.3315.3316.81339.18353.47362.07370.91392.72425.59552.11920.81
Reserves12,00314,33817,40821,19227,47632,32335,53338,70937,91741,67240,52243,866
Borrowings171,904222,220268,592344,488416,853431,181499,431547,049612,806662,467703,077715,356
Other Liabilities14,82710,06610,34312,35713,55215,10815,42217,61516,67716,25822,68915,245
Total Liabilities199,049246,940296,658378,354458,220478,965550,748603,743667,793720,823766,840775,388
Fixed Assets2,3162,3972,5133,0203,1693,3583,4203,5515,2236,2736,3496,225
Gross Block3787.094033.84337.765038.195425.695881.736240.96677.688567.6210027.4510625.1210887.02
Accumulated Depreciation1471.571636.691824.292018.682256.832524.052821.163126.23344.893754.24275.84662.17
CWIP0008600000000
Investments53,99263,38577,72495,162122,703129,896143,786149,877157,846186,725200,306202,128
Other Assets142,742181,157216,420280,086332,349345,712403,543450,315504,725527,824560,185567,035
Cash Equivalents18830.7221413.1423473.5629691.228828.0427135.3845218.4555934.1775623.0988331.659546275288.04
Loans n Advances4409.255041.226345.238288.39745.799780.339055.4613846.4116775.919999.5530988.1133497.77
Other Assets etc119501.57154702.99186601.21242106.67293774.76308795.9349269.13380534.41412325.8419493.15433734.73458249.21
Total Assets199,049246,940296,658378,354458,220478,965550,748603,743667,793720,823766,840775,388

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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity1,7562,1051,8368,046-811-1,88717,7295,61917,04512,4971,012-31,344
Profit from operations4527.456476.318382.3310268.7311870.6612173.7212691.8913519.5614228.0316599.0412598.7115912.87
Working Capital Changes-824.37-2757.63-4067.02-758.55-10296.4-12568.846646.62-5541.914289.49-2713.97-9834.39-46844.56
Taxes paid-1946.96-1613.52-2479.32-1464.51-2385.48-1491.59-1609.39-2358.98-1472.15-1388.01-1752.62-412.69
Cash from Investing Activity-444-396-409-1,084-492-651-634-849-783-527-1,288-260
Fixed Assets Purchased-232.95-292.82-358.53-866.15-372.5-525.4-430.44-519.97-607.25-564.43-649.65-434.63
Cash from Financing Activity1,874873634-7444408459885,9468567397,40711,431
Proceeds from Shares0001842244.9112485008701732211210423.7814803.68
Interest Paid-357.44-567.84-864.5-987.16-994.47-967.45-939.43-1224.28-1646.81-1623.51-1807.1-1152.39
Dividends Paid-239.02-479.56-1106.66-441.2-810.06859.36692.770-728.9000
Net Cash Flow3,1852,5822,0606,218-863-1,69318,08310,71617,11912,7097,130-20,174

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Ratios

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %18%23%23%23%20%16%10%8%-10%3%-30%-23%

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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.