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OPEN PRICE(₹)
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HIGH PRICE(₹)
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LOW PRICE(₹)
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CLOSE PRICE(₹)
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52 WK LOW (₹)
26.3 (29-10-2020)
52 WK HIGH (₹)
59.4 (07-02-2020)
BSE   43.6  
OPEN PRICE₹)
43
HIGH PRICE(₹)
44.35
LOW PRICE (₹)
42
CLOSE PRICE(₹)
43.6
VOLUME
19977600
VALUE
873350000
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Stock Summary

Trade Value (₹ in Lacs) : 2147.48 MCap (₹ in Mn) : 341572.44 Dividend Yield(%) : 0 Price/Earning (TTM) : 0
TTM EPS (₹) : 0 Price/Sales (TTM) : 0 P/E Ratio : 0 Price/Book (MRQ) : 0.37
Book Value(₹) : 0 Face Value(₹) : 0 Latest Reserve (₹ in Mn): 803162.68 EPSc : 0.5
PE : 65.33 TTMNP : -2602.2 TTMTAX : 4809.7 TTMINTEREST : 447982
TTMDEPRECIATION : 0 TTMNetSales : 689724.2 EV_Sales : 0.67 EV (in Mn) : 459848.23
TTMEBITDA : 186501.4 EV_EBITDA : 2.47 TTMCashProfit : -2602.2 TTMCEPS : -0.25
Price_CEPS : -131.26 TTMNPAEX : -2602.2

Peer Group Compare

Comp. Name Price M.Cap Div Yld % P/E Ratio Price/Earning (TTM) TTM EPS (₹)
State Bank Of India (BSE)

395.8 ( -2.28%)

252031.03 0 0 14.06 20.09
Bank Of Baroda (BSE)

85.8 ( 0.23%)

30842.28 0 0 12.95 5.16
Canara Bank (BSE)

168.55 ( 1.66%)

21078.25 0 0 0 -10.4
Union Bank Of India (BSE)

39.35 ( -1.38%)

18900.19 0 0 0 -1.68
Indian Overseas Bank (BSE)

16.65 ( -2.35%)

17012.28 0 0 0 -3.48

Management Info

Chairman :
Managing Director : SS Mallikarjuna Rao
Company Secretory :
Incorporation Year : 1895

Registered Office

Address : Plot No. 4
Sector 10
Dwarka
City-Pincode : New Delhi-110075
Phone : 011 - 26102303
Website : www.pnbindia.in
Email : eicsmead@pnb.co.in / md@pnb.co.in

Registrars Details

Registrars Details : Beetal Financial & Computer Services (P) Ltd
Address : Beetal House , 99 Mandangir,3rd Floor, Behind Local Shopping Centre,Near Dada Harsukhdas Mandir,New Delhi
Listing : BSE, NSE, MCX

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Balance Sheet

(₹ in Million)
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
SOURCES OF FUNDS:
Share Capital 1.35 0.92 0.55 0.43 0.39
  Equity - Authorised 3 3 3 3 3
  Equity - Issued 1.35 0.92 0.55 0.43 0.39
 Equity Paid Up 1.35 0.92 0.55 0.43 0.39
  Equity Shares Forfeited 0.00 0.00 0.00 0.00 0.00
  Adjustments to Equity 0.00 0.00 0.00 0.00 0.00
  Preference Capital Paid Up 0 0 0 0 0.00
  Face Value 0 0 0 0 0
Share Warrants & Outstandings 0.00 0.00 0.00 0.00 0.00
Total Reserves 62.53 45.16 40.97 42.99 41.41
  Securities Premium 51.21 35.55 21.11 10.75 9.72
  Capital Reserves 3.28 3.08 2.99 2.05 1.51
  Profit & Loss Account Balances -8.37 -8.49 0.3 1.09 0.95
  General Reserves 0.00 0.00 0.00 0.00 0.00
Reserve excluding Revaluation Reserve 57.77 41.58 37.28 39.18 38.57
Revaluation Reserves 4.76 3.58 3.68 3.81 2.84
Deposits 710.25 681.87 648.44 629.65 570.38
  Demand Deposits 46.56 45.43 41.42 46.91 38
  Savings Deposit 257.89 241.98 224.27 215.41 170.65
  Term Deposits / Fixed Deposits 405.8 394.47 382.75 367.33 361.73
  Current Deposits 0.00 0.00 0.00 0.00 0.00
  Recurring Deposits 0.00 0.00 0.00 0.00 0.00
  Other Deposits 0.00 0.00 0.00 0.00 0.00
Borrowings 62.51 46.83 65.33 43.34 81.67
  Borrowings From Reserve Bank of India 20.54 4.46 18.38 0.4 17.76
  Borrowings From Other Banks 8.71 4.39 5.37 1.75 5.01
  Borrowings From GOI 0.00 0.00 0.00 0.00 0.00
  Borrowings From Other Financial Institutions 10.7 13.19 5.39 2.91 14
  Borrowings in the form of Bonds / Debentures 15.18 16.37 18.58 19.8 28.93
  Borrowings in Other Form 0.00 0.00 0.00 0.00 0.00
Other Liabilities & Provisions 14.45 15.05 21.93 16.13 18.2
  Bills Payable 1.82 2.05 2.43 2.57 2.52
  Inter-office adjustment Liabilities 0 0.01 0 0 0.01
  Interest Accrued 1.65 1.76 1.88 1.97 1.91
  Proposed Dividend 0.00 0.00 0.00 0.01 0.07
  Corporate dividend tax payable 0.00 0.00 0.00 0.00 0.00
  Other Liabilities & Provisions 0.00 0.00 0.00 0.00 0.00
Total Liabilities 851.46 790.12 777.53 733.31 712.79
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India 38.6 32.34 29.03 25.41 26.49
  Cash with RBI 35.84 30.47 26.91 23.3 24.26
  Cash in hand & others 2.76 1.87 2.12 2.11 2.24
Balances with banks and money at call 39.15 44.96 68.46 65.97 52.56
Investments 253.78 210.58 204.42 191.53 165.13
Investments in India 247.71 205.52 198.09 186.35 160.27
  GOI/State Govt. Securities 214.91 167.81 156.03 149.41 129.66
  Equity Shares - Corporate 2.9 3.68 4.36 5.34 4.51
  Debentures & Bonds 22.76 29.77 31.94 25.87 19.81
  Subsidiaries and/or joint ventures/Associates 1.74 1.62 0.99 1.3 1.54
  Units - MF/ Insurance/CP/PTC 5.31 2.54 4.63 4.24 4.56
Investments outside India 6.07 5.06 6.33 5.18 4.86
  Government securitiesC 2.44 1.35 2.48 2.18 2.01
  Subsidiaries and/or joint ventures abroad 0.6 1.06 0.87 0.99 0.97
  Other investments outside India 3.02 2.65 2.99 2.01 1.89
  Less: Prov for Diminution in Value of Invest. 0.00 0.00 0.00 0.00 0.00
Advances 476.85 462.42 438.83 424.23 446.08
  Bills Purchased & Discounted 0.55 2.14 20.62 29.56 30.23
  Cash Credit, Over Draft & Loans repayable 312.45 287.46 279.82 249.43 233.58
  Term Loans 163.86 172.81 138.39 145.24 182.28
  Finance lease and hire purchase receivable 0.00 0.00 0.00 0.00 0.00
Gross block 12.4 10.98 10.67 10.07 8.75
  Premises 6.8 5.54 5.57 5.55 4.51
  Assets Given on Lease 0.03 0.03 0.03 0.03 0.03
  Other Fixed Assets 5.57 5.41 5.07 4.5 4.22
Less: Accumulated Depreciation 5.14 4.73 4.3 3.77 3.45
Net Block 7.26 6.25 6.37 6.3 5.31
Less: Impairment of Assets 0.00 0.00 0.00 0.00 0.00
Lease Adjustment 0.00 0.00 0.00 0.00 0.00
Capital Work in Progress 0 0 0.00 0.00 0.00
Other Assets 35.8 33.58 30.42 19.88 17.23
  Inter-office adjustment Assets 0.00 0.00 0.00 0.00 0.00
  Interest Accrued Assets 5.4 5.26 5.23 4.6 4.75
  Tax paid in advance/TDS 3.53 3.23 2.85 0.9 1.63
  Stationery and stamps 0.01 0.01 0.01 0.01 0.01
  Non-banking assets acquired 0.05 0.11 0.11 0.11 0.11
  Deferred tax asset 20.06 18.63 13.21 6.12 4.61
  Miscellaneous Expenditure not written off 0.00 0.00 0.00 0.00 0.00
Total Assets 851.46 790.12 777.53 733.31 712.79
Contingent Liabilities 213.3 307.9 308.79 338.85 339.17
  Claims not acknowledged as debts 1.44 0.87 1.58 0.25 1.39
  Outstanding forward exchange contracts 156.34 244.96 226.58 253.03 257.77
  Guarantees given in India 37.98 39.53 40 38.24 32.6
  Guarantees given Outside India 1.61 2.6 10.01 14.04 13.63
  Acceptances, endorsements & other obligations 13.15 17.4 27.06 29.37 31.38
Bills for collection 28.05 27.87 27.9 25.81 23.26
Book Value 0.09 0.09 0.14 0.19 0.2
Adjusted Book Value 0.09 0.09 0.14 0.19 0.2
(₹ in Million)
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
SOURCES OF FUNDS:
Share Capital 13475.13 9208.09 5521.15 4255.94 3927.2
  Equity - Authorised 30000 30000 30000 30000 30000
  Equity - Issued 13475.13 9208.09 5521.15 4255.94 3927.2
 Equity Paid Up 13475.13 9208.09 5521.15 4255.94 3927.2
  Equity Shares Forfeited 0.00 0.00 0.00 0.00 0.00
  Adjustments to Equity 0.00 0.00 0.00 0.00 0.00
  Preference Capital Paid Up 0.00 0.00 0.00 0.00 0.00
  Face Value 0 0 0 0 0
Share Warrants & Outstandings 0.00 0.00 0.00 0.00 0.00
Total Reserves 100000 100000 100000 100000 100000
  Securities Premium 100000 100000 100000 100000 87129.17
  Capital Reserves 32177.24 29634.19 28772.93 18523.62 13386.58
  Profit & Loss Account Balances -99273.02 -99273.02 0 0 0
  General Reserves 0 0 0 0 0
Reserve excluding Revaluation Reserve 100000 100000 100000 100000 100000
Revaluation Reserves 47586.92 35822.29 36838.2 37505.31 28447.78
Deposits 7038463.21 6760301.36 6422261.92 6217040.16 5530511.28
  Demand Deposits 457144.48 443750.76 403741.98 458533.08 361569.87
  Savings Deposit 2567601.19 2406653.91 2228731.12 2141625.49 1694263.51
  Term Deposits / Fixed Deposits 4013717.54 3909896.7 3789788.82 3616881.6 3474677.9
  Current Deposits 0.00 0.00 0.00 0.00 0.00
  Recurring Deposits 0.00 0.00 0.00 0.00 0.00
  Other Deposits 0.00 0.00 0.00 0.00 0.00
Borrowings 502254.29 393259.15 608507.48 407633.35 597552.43
  Borrowings From Reserve Bank of India 188250 30002.39 166060 0.00 161750
  Borrowings From Other Banks 58498.52 27148.28 43187.87 3849.19 24327.14
  Borrowings From GOI 0.00 0.00 0.00 0.00 0.00
  Borrowings From Other Financial Institutions 30060.93 85985.69 38473.41 17539.65 54284.88
  Borrowings in the form of Bonds / Debentures 150500 162500 184705 196805 194303
  Borrowings in Other Form 0.00 0.00 0.00 0.00 0.00
Other Liabilities & Provisions 142366.76 148062.86 216788.59 157657.32 162739.45
  Bills Payable 18119.06 20287.27 23985.29 25540.46 24257.23
  Inter-office adjustment Liabilities 15.44 21.8 25.82 27.86 79.61
  Interest Accrued 15534.8 16639.88 17437.11 17286.01 16072.26
  Proposed Dividend 0.00 0.00 0.00 0.00 0.00
  Corporate dividend tax payable 0.00 0.00 0.00 0.00 -58.03
  Other Liabilities & Provisions 0 0 0 0 0
Total Liabilities 100000 100000 100000 100000 100000
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India 383978.5 321291.34 287890.32 252099.96 264790.68
  Cash with RBI 356516.78 302752.04 266838.56 231115.15 242552.22
  Cash in hand & others 27461.72 18539.3 21051.76 20984.8 22238.46
Balances with banks and money at call 375951.79 431589.07 666729.71 631216.51 491440.22
Investments 100000 100000 100000 100000 100000
Investments in India 2332259.54 1954546.69 1927788.24 1811787.49 1525444.03
  GOI/State Govt. Securities 2035593.76 1612365.97 1520463.52 1461827.64 1249505.56
  Equity Shares - Corporate 29216.18 36992.49 43830.32 53578.68 45333.25
  Debentures & Bonds 208122.14 276944.03 306108.85 247195.84 188658.86
  Subsidiaries and/or joint ventures/Associates 6320.49 6279.83 6725.66 7532.7 7532.7
  Units - MF/ Insurance/CP/PTC 52164.75 20863.51 49195.11 39769.61 32530.64
Investments outside India 72396.88 66735.51 75271.58 55466.91 53014.9
  Government securitiesC 18136.14 7847.31 19020.55 14973.91 15454.76
  Subsidiaries and/or joint ventures abroad 24188.68 23681.89 23490.64 15516.11 15516.11
  Other investments outside India 30072.06 35206.32 32760.39 24976.88 22044.03
  Less: Prov for Diminution in Value of Invest. 0.00 0.00 0.00 0.00 0.00
Advances 4718277.23 4582492.04 4337347.21 4194931.5 4123258
  Bills Purchased & Discounted 4460.65 20419.27 206233.77 295556.73 300905.92
  Cash Credit, Over Draft & Loans repayable 3115806.8 2873329.81 2787964.72 2493598.87 2338102.83
  Term Loans 1598009.77 1688742.96 1343148.72 1405775.9 1484249.25
  Finance lease and hire purchase receivable 0.00 0.00 0.00 0.00 0.00
Gross block 100000 100000 100000 100000 85928.58
  Premises 67964.79 55338.81 55605.66 55392.8 45097.67
  Assets Given on Lease 252.39 252.39 252.39 252.39 252.39
  Other Fixed Assets 54831.34 53279 50393.18 44629.32 40578.52
Less: Accumulated Depreciation 50657.84 46621.72 42505.57 37289.64 33448.9
Net Block 72390.68 62248.47 63745.66 62984.87 52479.67
Less: Impairment of Assets 0 0 0 0 0
Lease Adjustment 0.00 0.00 -252.39 -252.39 -252.39
Capital Work in Progress 0 0 0 0 0
Other Assets 351404.5 330591.49 299780.71 195070.64 163729.44
  Inter-office adjustment Assets 0.00 0.00 0.00 0.00 0.00
  Interest Accrued Assets 51072.32 50308.65 50572.01 44662.89 45989.39
  Tax paid in advance/TDS 34414.93 31027.47 26851.32 7539.71 15362.61
  Stationery and stamps 91.16 83.29 105.34 99.37 93.34
  Non-banking assets acquired 540.84 1074.12 1122.44 1120.26 277.63
  Deferred tax asset 199619 185801 132147.52 61010.34 46174.74
  Miscellaneous Expenditure not written off 0.00 0.00 0.00 0.00 0.00
Total Assets 100000 100000 100000 100000 100000
Contingent Liabilities 100000 100000 100000 100000 100000
  Claims not acknowledged as debts 14323.1 8618.99 15731.94 2406.8 13868.34
  Outstanding forward exchange contracts 1541462.88 2430586.3 2236701.23 2494863.83 2556585.12
  Guarantees given in India 379131.37 394656.76 399139.85 381888.7 324802.33
  Guarantees given Outside India 13985.64 23413.32 99128.69 139205.93 136191.53
  Acceptances, endorsements & other obligations 131314.54 176728.96 274081.52 296648.11 319518.65
Bills for collection 280499.14 273358.98 278586.12 257791.25 232211.89
Book Value 0.09 0.09 0.14 0.18 0.18
Adjusted Book Value 0.09 0.09 0.14 0.18 0.18

Quarterly Results

Particulars Sep-2020 Jun-2020 Mar-2020 Feb-2019
Date End Audited Audited Audited Audited
Interest Earned 213043.10 208322.30 142059.90 138349.50
Income On Investments 64650.20 62799.00 41420.80 42284.30
Interest On Balances With Rbi Other Inter Bank Funds 5129.40 4957.80 6994.40 6569.80
Interest / Discount On Advances / Bills 141621.2 139244.9 93330 89144.9
Others 1642.3 1320.6 314.7 350.5
Other Income 25398.2 38954.9 26182.1 23762.9
Total Income 238441.3 247277.2 168242 162112.4
Interest Expended 127453.3 139491.2 93604.1 93668.7
Operating Expenses 52607.4 52105.5 33299.4 30427.3
Total Expenditure 52607.4 52105.5 33299.4 30427.3
Operating Profit Before Provisions and Contingencies 58380.6 55680.5 41338.5 38016.4
Exceptional Items 0 0 0 0
Provisions and contingencies 48988.4 47386.9 49769.6 41855.1
Profit Before Tax 9392.2 8293.6 -8431.1 -3838.7
Tax 3945.6 3541.7 -2461.2 1180.6
Profit After Tax 5446.6 4751.9 -5969.9 -5019.3
+/- Extraordinary Items 0 0 0 0
+/- Prior period items 0 0 0 0
Net Profit 5446.6 4751.9 -5969.9 -5019.3
Minority Interest -321.6 -529.8 -258.8 -76.7
Shares of Associates 636.6 1155 -1976.2 1246.4
Other related items 0 0 0 0
Misc. Expenses Written off 0.00 0.00 0.00 0.00
Consolidated Net Profit 5446.6 4751.9 -5969.9 -5019.3
Equity Capital 5761.6 5377.1 -8204.9 -3849.6
Face Value (IN RS) 2 2 2 2
Reserves 0 0 0 0
% of Shares held by Govt 85.59 85.59 83.19 83.19
Capital Adequacy Ratio 13.17 13.01 14.5 14.39
Gross / Net NPAs 0.00 0.00 0.00 0.00
Amount of Gross NPAs 0.00 0.00 0.00 0.00
Amount of Net NPAs 0 0 0 0
% of Gross / Net NPAs NA NA NA NA
% of Net NPAs 0 0 0 0
% of Gross NPAs 0 0 0 0
Return on Assets 0 0 0 0
No of Public Share Holdings NA NA NA NA
% of Public Share Holdings NA NA NA NA
Basic Eps After Extraordinary Items 0.61 0.57 -1.22 -0.65
Basic Eps Before Extraordinary Items 0.61 0.57 -1.22 -0.65
PBIDTM% 64.23 70.94 59.96 27.48
PBDTM% 4.41 3.98 -5.93 -2.77
PBTM% 4.41 3.98 -5.93 -2.77
PATM% 2.56 2.28 -4.2 -3.63
Particularsaaa Sep-2020 Jun-2020 Mar-2020 Feb-2019
Date End Audited Audited Audited Audited
Interest Earned 209458.4 206049.1 138589.8 135626.9
Income On Investments 62585.4 60601.3 39350.6 40221.5
Interest On Balances With Rbi Other Inter Bank Funds 5118.3 4939.4 6718.7 6689.4
Interest / Discount On Advances / Bills 140112.3 139187.8 92199.5 88382.9
Others 1642.4 1320.6 321 333.1
Other Income 9999.9 9999.9 9999.9 9999.9
Total Income 234385.6 242928 163883.2 159674.9
Interest Expended 9999.9 9999.9 9999.9 9999.9
Operating Expenses 52110.1 51562.7 32746 29969.5
Total Expenditure 52110.1 51562.7 32746 29969.5
Operating Profit Before Provisions and Contingencies 56749.1 52800.5 39322.8 37629
Exceptional Items 0 0 0 0
Provisions and contingencies 46961.5 46858.9 49013.1 41460.4
Profit Before Tax 9787.5 5941.6 -9690.3 -3831.4
Tax 3579.5 2857.1 -2718.3 1091.4
Profit After Tax 6208.1 3084.5 -6972 -4922.8
+/- Extraordinary Items 0.00 0.00 0.00 0.00
+/- Prior period items 0.00 0.00 0.00 0.00
Net Profit 6208.1 3084.5 -6972 -4922.8
Minority Interest 0.00 0.00 0.00 0.00
Shares of Associates 0.00 0.00 0.00 0.00
Other related items 0.00 0.00 0.00 0.00
Misc. Expenses Written off 0.00 0.00 0.00 0.00
Consolidated Net Profit 6208.1 3084.5 -6972 -4922.8
Equity Capital 6208.1 3084.5 -6972 -4922.8
Face Value (IN RS) 2 2 2 2
Reserves 0 0 0 0
% of Shares held by Govt 85.59 85.59 83.19 83.19
Capital Adequacy Ratio 12.84 12.63 14.14 14.04
Gross / Net NPAs 0.00 0.00 0.00 0.00
Amount of Gross NPAs 0.00 0.00 0.00 0.00
Amount of Net NPAs 309198.4 353030.2 272188.9 305189.2
% of Gross / Net NPAs NA NA NA NA
% of Net NPAs 4.75 5.39 5.78 7.18
% of Gross NPAs 13.43 14.11 14.21 16.3
Return on Assets 0.00 0.00 0.00 0.00
No of Public Share Holdings NA NA NA NA
% of Public Share Holdings NA NA NA NA
Basic Eps After Extraordinary Items 0.66 0.33 -1.03 -0.83
Basic Eps Before Extraordinary Items 0.66 0.33 -1.03 -0.83
PBIDTM% 64.6 70.13 59.26 27.74
PBDTM% 4.67 2.88 -6.99 -2.83
PBTM% 4.67 2.88 -6.99 -2.83
PATM% 2.96 1.5 -5.03 -3.63

Profit-Loss

-
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
I. INCOME
Interest Earned 54.92 52.15 48.72 48.06 50.8
     Interest / Discount on advances / Bills 36.16 35.42 32.55 33.7 37.29
     Interest on balances with RBI and other Inter-bank funds 2.53 1.94 2.01 1.37 0.74
     Income on investments 16.09 14.62 13.98 12.61 12.54
     Others 0.14 0.17 0.18 0.39 0.24
Other Income
     Commission,exchange and brokerage 2.84 2.82 2.81 2.74 2.8
     Profit / (loss)on sale of investments(net) 1.71 1.07 3.25 2.82 0.99
     Profit on sale of Fixed Assets 0.04 0.02 0 0.01 0
     Foreign Exchange Gains 0.44 0.49 0.79 0.61 0.45
     Income earned from subsidiaries/joint venture 0 0 0 0 0
     Rent / Lease Income
     Provisions Written Back 0 0 0 0 0
     Miscellaneous income -28162.98 -22102.2 -26650.02 -27502.74 -18298.89
Total Income 64.31 59.51 57.61 57.23 56.9
II. EXPENDITURE
Interest Expended 37 34.66 33.53 32.72 34.33
     Intereston Deposits 34.49 32.32 30.58 30.14 30.6
     Interest on RBI / inter-bank borrowings 0.67 0.54 0.59 0.29 1.37
     Other Interest 1.84 1.8 2.36 2.29 2.36
Operating Expenses 12.15 11.69 13.64 9.52 10.35
     Payments to and provisions for employees 7.06 7.05 9.24 5.48 6.56
     Rent,Taxes and lighting 0.81 0.78 0.75 0.7 0.66
     Depreciation on Banks property 0.61 0.58 0.58 0.43 0.41
     Depreciation on leased assets
     Auditor's fees and expenses 0.07 0.07 0.08 0.07 0.07
     Law charges 0.12 0.13 0.09 0.09 0.1
     Communication Expenses 0.2 0.21 0.17 0.18 0.15
     Repairs and Maintenance 0.33 0.29 0.27 0.24 0.22
     Insurance 0.76 0.68 0.64 0.57 0.51
     Other expenses 2.17 1.9 1.82 1.76 1.66
Provisions and Contingencies 14.33 28.54 30.28 13.44 17.52
     Provision for investments -0.37 1.63 2.07 0.49 0.35
     Provision for advances
     Others Provisions 14.7 26.91 28.22 12.95 17.17
Profit Before Tax 53.79 65.09 68 47.47 50.44
Taxes 0.46 -5.34 -7.26 0.64 -1.63
     Current Income Tax 0.46 -5.34 -7.26 0.64 -1.63
     Deferred Tax
     Other taxes 0 0 0 0 0
Profit After Tax 0.36 -10.03 -12.58 0.9 -3.66
Extra items
Minority Interest -0.05 -0.02 -0 -0.05 -0.18
Share of Associate 0.12 0.48 0.47 0.34 0.15
Other Consolidated Items
Consolidated Net Profit 0.44 -9.57 -12.11 1.19 -3.69
Adjustments to PAT
IV. APPROPRIATIONS
     Transfer to Statutory Reserve 0.14 0.03 0.02 0.38 0.04
     Appropriation to General Reserve
     Appropriation to Revenue Reserve -0.11 -0.13 -13.31 -0.4 -4.1
     Appropriation to Other Reserves 0.05 0
     Equity Dividend 0.03 0.03 0.06 0.01 0.07
     Corporate dividend tax
     Other appropriations -8.17 -8.4 1.33 1.9 1.14
Equity Dividend % 2.38 3.26 11.22 1.62 19.07
Earnings Per Share 0.6508 -20.7863 -43.8803 5.5793 -18.7908
Adjusted EPS 0.6508 -20.7863 -43.8803 5.5793 -18.7908
-
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
I. INCOME
Interest Earned 538000.34 513102.48 479957.66 472759.92 474243.5
     Interest / Discount on advances / Bills 358149.62 350862.07 318330.84 329588.22 344455.37
     Interest on balances with RBI and other Inter-bank funds 25102.22 18913.92 20014.2 13542.01 7305.03
     Income on investments 153326.02 141059.74 139469.82 125771.71 120336.53
     Others 1422.48 2266.75 2142.81 3857.99 2146.57
Other Income
     Commission,exchange and brokerage 28170.03 28057.38 27919.1 27272.08 27873.53
     Profit / (loss)on sale of investments(net) 16316.33 10926.77 32566.13 26543.23 9992.82
     Profit on sale of Fixed Assets 416.67 183.72 25.93 53.76 25.01
     Foreign Exchange Gains 4393.36 5093.08 8061.42 5828.12 4268.91
     Income earned from subsidiaries/joint venture 1541.12 1488.02 1394.71 958.51 1159.69
     Rent / Lease Income
     Provisions Written Back 0 0 0 0 0
     Miscellaneous income -463706400 -368870600 -444043440 -447568600 -300002580
Total Income 100000 100000 100000 100000 100000
II. EXPENDITURE
Interest Expended 100000 100000 100000 100000 100000
     Intereston Deposits 343748.04 322177.77 304555.28 299336.66 298025.71
     Interest on RBI / inter-bank borrowings 6539.54 5524.28 5531.5 2415.35 2502.1
     Other Interest 13334.85 13837.32 20646.86 21076.2 20597.91
Operating Expenses 119733.7 115384.81 135090.73 93793.84 99724.54
     Payments to and provisions for employees 69616.78 69631.62 91687.95 54207.19 64259.45
     Rent,Taxes and lighting 8009.8 7645.4 7388.6 6922.24 6258.07
     Depreciation on Banks property 6076.79 5780.24 5761.67 4250.37 3957.29
     Depreciation on leased assets
     Auditor's fees and expenses 707.66 669.57 742.42 673.02 688.17
     Law charges 1017.08 1198.72 733.51 643.28 612.68
     Communication Expenses 2002.37 2076.2 1695.75 1754.02 1426.92
     Repairs and Maintenance 3234.96 2806.12 2624.01 2340.98 2189.97
     Insurance 7621.23 6811.98 6418.66 5685.67 5138.77
     Other expenses 21447.04 18764.95 18038.17 17317.08 15193.23
Provisions and Contingencies 139995.64 283410.09 298692.78 125536.18 170772.61
     Provision for investments -3663.5 16409.5 20271.5 4866.5 3454.9
     Provision for advances 4949 4362.6 -15069.6 4416 1204.6
     Others Provisions 138710.14 262637.99 293490.88 116253.68 166113.11
Profit Before Tax 259729.35 398794.9 433783.51 219330.02 270497.16
Taxes 4027.9 -53702.8 -72922.6 6867.4 -17634.9
     Current Income Tax 4027.9 -53702.8 -72922.6 6867.4 -17634.9
     Deferred Tax 0 0 0 0 0
     Other taxes 0 0 0 0 0
Profit After Tax 3361.94 -99754.86 -100000 13248.02 -39743.96
Extra items
Minority Interest
Share of Associate
Other Consolidated Items
Consolidated Net Profit 3361.94 -99754.86 -100000 13248.02 -39743.96
Adjustments to PAT
IV. APPROPRIATIONS
     Transfer to Statutory Reserve 840.49 3312 1117.34
     Appropriation to General Reserve
     Appropriation to Revenue Reserve -1343.09 -133077.52 2098.98
     Appropriation to Other Reserves 0 0 0 0 0
     Equity Dividend
     Corporate dividend tax -58.03
     Other appropriations -96751.57 -98411.77 33077.52 7837.04 -40803.27
Equity Dividend % 0 0 0 0 0
Earnings Per Share 0.50 -21.67 -44.49 6.23 -20.24
Adjusted EPS 0.50 -21.67 -44.49 6.23 -20.24

Financial Ratios

Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
Operational & Financial Ratios
Earnings Per Share (Rs) 0.65 -20.79 -43.88 5.58 -18.79
DPS(Rs) 0.05 0.07 0.22 0.03 0.38
Book NAV/Share(Rs) 87.74 92.31 137.05 186.13 198.41
Margin Ratios
Yield on Advances 11.52 11.28 11.1 11.33 11.39
Yield on Investments 7.02 7.45 8.43 8.05 8.19
Cost of Liabilities 4.79 4.76 4.7 4.86 5.26
NIM 2.22 2.33 2.05 2.17 2.39
Interest Spread 6.73 6.52 6.41 6.47 6.12
Performance Ratios
ROA(%) 0.04 -1.28 -1.67 0.12 -0.54
ROE(%) 0.72 -24.96 -32.5 2.29 -9.2
ROCE(%) 3.04 -13.05 -17.46 3.92 -1.39
Efficiency Ratios
Cost Income Ratio 44.49 47.02 56.66 38.87 45.85
Core Cost Income Ratio 47.47 49.14 65.51 43.92 47.96
Operating Costs to Assets 1.43 1.48 1.75 1.3 1.45
Capital Adequacy
Basel I
Total CAR (Basel I) 0 0 0 0 0
Tier-1 (Basel I) 0 0 0 0 0
Tier-2 (Basel I) 0 0 0 0 0
Basel II
Total CAR (Basel II) 0 0 0 0 0
Tier-1 (Basel II) 0 0 0 0 0
Tier-2 (Basel II) 0 0 0 0 0
Basel III
Total CAR (Basel III) 0 0 0 0 0
Tier - 1 (Basel III) 0 0 0 0 0
Tier - 2 (Basel III) 0 0 0 0 0
Valuation Parameters
PER(x) 49.71 0 0 27.01 0
PCE(x) 22.29 -4.65 -2.2 24.08 -5.12
Price/Book(x) 0.37 1.03 0.7 0.81 0.43
Yield(%) 0.15 0.07 0.24 0.02 0.45
EV/Net Sales(x) 1.54 1.74 1.88 1.57 1.93
EV/Core EBITDA(x) 5.56 6.89 8.79 5.03 8.04
EV/EBIT(x) 2.23 4.71 6.7 2.2 3.39
EV/CE(x) 0.1 0.11 0.12 0.1 0.14
M Cap / Sales 0.4 0.84 0.54 0.67 0.33
Growth Ratio
Core Operating Income Growth 2.46 15.12 -0.92 -6.91 -5.14
Operating Profit Growth 27.7 6.28 -71.18 21.3 -47.05
Net Profit Growth 103.62 20.33 -1496.51 124.6 -209.63
BVPS Growth -4.95 -32.64 -26.37 -6.19 -9.48
Advances Growth 3.12 5.38 3.44 -4.9 10.25
EPS Growth(%) 103.13 52.63 -886.49 129.69 -202.51
Liquidity Ratios
Loans/Deposits(x) 0.09 0.07 0.1 0.07 0.14
Total Debt/Equity(x) 0.05 0.05 0.04 0.04 0.05
Current Ratio(x) 0.36 0.31 0.32 0.3 0.29
Quick Ratio(x) 8.8 6.87 10.07 6.88 14.32
Interest Cover(x)
Total Debt/Mcap(x) 0 0 0 0 0
Net NPA in Rs. Million 0 0 0 0 0
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
Operational & Financial Ratios
Earnings Per Share (Rs) 0.5 -21.67 -44.49 6.23 -20.24
DPS(Rs) 0 0 0 0 0
Book NAV/Share(Rs) 85.49 89.5 100 100 100
Margin Ratios
Yield on Advances 11.4 11.2 11.07 11.27 11.5
Yield on Investments 7.05 7.52 8.59 8.16 8.26
Cost of Liabilities 4.82 4.77 4.7 4.87 5.24
NIM 2.21 2.33 2.05 2.16 2.37
Interest Spread 6.58 6.42 6.36 6.4 6.26
Performance Ratios
ROA(%) 0.04 -1.29 -1.65 0.19 -0.63
ROE(%) 0.68 -25.38 -32.44 3.59 -10.87
ROCE(%) 2.77 -14.42 -18.35 4.82 -3.75
Efficiency Ratios
Cost Income Ratio 44.82 47.03 56.75 39.17 46.79
Core Cost Income Ratio 47.74 49.22 65.75 44.05 49.1
Operating Costs to Assets 1.44 1.49 1.76 1.3 1.49
Capital Adequacy
Basel I
Total CAR (Basel I) 0 0 0 0 0
Tier-1 (Basel I) 0 0 0 0 0
Tier-2 (Basel I) 0 0 0 0 0
Basel II
Total CAR (Basel II) 0 0 0 0 11.95
Tier-1 (Basel II) 0 0 0 0 8.07
Tier-2 (Basel II) 0 0 0 0 3.88
Basel III
Total CAR (Basel III) 14.14 9.73 9.2 11.66 11.28
Tier - 1 (Basel III) 11.91 7.49 7.12 8.91 8.41
Tier - 2 (Basel III) 2.24 2.24 2.08 2.75 2.87
Valuation Parameters
PER(x) 64.83 0 0 24.21 0
PCE(x) 23.09 -4.67 -2.25 18.33 -4.65
Price/Book(x) 0.38 1.07 0.7 0.84 0.47
Yield(%) 0 0 0 0 0
EV/Net Sales(x) 1.34 1.62 1.82 1.54 1.61
EV/Core EBITDA(x) 4.89 6.41 8.47 5 6.74
EV/EBIT(x) 1.94 4.43 6.46 2.12 2.9
EV/CE(x) 0.09 0.11 0.11 0.1 0.11
M Cap / Sales 0.41 0.86 0.55 0.68 0.35
Growth Ratio
Core Operating Income Growth 1.64 14.97 -0.47 -2.08 -7.51
Operating Profit Growth 28.03 5.98 -73.92 20.02 -46.69
Net Profit Growth 100 18.79 -100 100 -100
BVPS Growth -4.48 -33.92 -24.84 -0.23 -11.13
Advances Growth 2.96 5.65 3.39 1.74 8.35
EPS Growth(%) 100 51.3 -100 100 -100
Liquidity Ratios
Loans/Deposits(x) 0.07 0.06 0.09 0.07 0.11
Total Debt/Equity(x) 0.05 0.05 0.04 0.04 0.05
Current Ratio(x) 0.34 0.3 0.31 0.3 0.29
Quick Ratio(x) 7.14 5.82 9.47 6.56 10.8
Interest Cover(x)
Total Debt/Mcap(x) 14.21 15.5 18.38 12.53 12.9
Net NPA in Rs. Million 5.78 6.56 11.24 7.81 8.61

Cash Flow

(₹ in Million)
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
Net Profit Before Taxes 0.9 -14.89 -19.37 1.88 -5.11
Adjustments for Expenses & Provisions : 16.37 28.47 27.68 15.39 20.47
Adjustments for Liabilities & Assets: -27.82 -47.08 -8.27 6.08 0.38
Refund/(payment) of direct taxes -2.2 -0.03 -1.78 -1.42 -1.57
Other Direct payments 0 0 0 0 0
Cash Flow from operating activities -12.74 -33.53 -1.74 21.94 14.17
Cash Flow from investing activities -0.99 -0.63 0.39 0.16 -1.35
Cash Flow from financing activities 14.19 13.97 7.46 -9.77 5.97
Effect of exchange fluctuation on translation reserve 0 0 0 0 0
Net increase/(decrease) in cash and cash equivalents 0.46 -20.19 6.11 12.33 18.79
Opening Cash & Cash Equivalents 77.3 97.49 91.38 79.05 58.26
Cash & Cash Equivalent on Amalgamation / Take over / Merger 0 0 0 0 0
Cash & Cash Equivalent of Subsidiaries under liquidations 0 0 0 0 0
Translation adjustment on reserves / op cash balalces frgn subsidiaries 0 0 0 0 0
Effect of Foreign Exchange Fluctuations 0 0 0 0 0
Closing Cash & Cash Equivalent 77.76 77.3 97.49 91.38 77.05
Cash & Cash Equivalent on Amalgamation / Take over / Merger 0 0 0 0 0
Cash & Cash Equivalent of Subsidiaries under liquidations 0 0 0 0 0
Translation adjustment on reserves / op cash balalces frgn subsidiaries 0 0 0 0 0
Effect of Foreign Exchange Fluctuations 0 0 0 0 0
(₹ in Million)
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
Net Profit Before Taxes 0.9 -14.89 -19.37 1.88 -5.11
Adjustments for Expenses & Provisions : 16.37 28.47 27.68 15.39 20.47
Adjustments for Liabilities & Assets: -27.82 -47.08 -8.27 6.08 0.38
Refund/(payment) of direct taxes -2.2 -0.03 -1.78 -1.42 -1.57
Other Direct payments 0 0 0 0 0
Cash Flow from operating activities -12.74 -33.53 -1.74 21.94 14.17
Cash Flow from investing activities -0.99 -0.63 0.39 0.16 -1.35
Cash Flow from financing activities 14.19 13.97 7.46 -9.77 5.97
Effect of exchange fluctuation on translation reserve 0 0 0 0 0
Net increase/(decrease) in cash and cash equivalents 0.46 -20.19 6.11 12.33 18.79
Opening Cash & Cash Equivalents 77.3 97.49 91.38 79.05 58.26
Cash & Cash Equivalent on Amalgamation / Take over / Merger 0 0 0 0 0
Cash & Cash Equivalent of Subsidiaries under liquidations 0 0 0 0 0
Translation adjustment on reserves / op cash balalces frgn subsidiaries 0 0 0 0 0
Effect of Foreign Exchange Fluctuations 0 0 0 0 0
Closing Cash & Cash Equivalent 77.76 77.3 97.49 91.38 77.05
Cash & Cash Equivalent on Amalgamation / Take over / Merger 0 0 0 0 0
Cash & Cash Equivalent of Subsidiaries under liquidations 0 0 0 0 0
Translation adjustment on reserves / op cash balalces frgn subsidiaries 0 0 0 0 0
Effect of Foreign Exchange Fluctuations 0 0 0 0 0

Share Price

Year Open Price (₹) High Price (₹) Low Price (₹) Close Price (₹) Volume (000's) Value (in Lakhs)
February-2021 33.65 42.75 33.1 38.8 151539.82 58397.82
January-2021 33.3 37.8 31.9 33.4 192576.38 67999.92
December-2020 34 42.6 31.4 32.75 197000.04 70203.4
November-2020 27 34.15 26.75 33.45 53437.89 16014.82
October-2020 28 29.75 26.3 26.75 31909.1 8919.67
September-2020 35 35.75 27.65 28.55 27947.88 8816.14
August-2020 32.1 38.6 31.9 35.05 44739.16 15515.99
PNB rises on signing MoU with IOC11-Feb-2021 09:53 AM  
PNB signs MoU with IOC11-Feb-2021 09:17 AM  
PNB expecting to recover Rs 3,800 crore from Bhushan Power and Steel under debt resolution08-Feb-2021 12:18 PM  
PNB planning to raise Rs 3,200 crore from share sale in Q4FY2108-Feb-2021 10:15 AM  
PNB turns black in Q306-Feb-2021 10:44 AM  
PNB gains on raising Rs 495 crore through bonds25-Jan-2021 01:01 PM  
PNB raises Rs 495 crore through bonds23-Jan-2021 10:11 AM  
PNB moves up on entering into partnership with IIT Kanpur 08-Jan-2021 10:10 AM  
PNB enters into partnership with IIT Kanpur 08-Jan-2021 10:01 AM  
Punjab National Bank puts three stressed accounts for sale29-Dec-2020 11:54 AM  
PNB surges on completing IT integration of all branches of two merged entities29-Dec-2020 10:55 AM  
PNB completes IT integration of all branches of two merged entities29-Dec-2020 10:13 AM  
PNB declines on the BSE16-Dec-2020 02:14 PM  
PNB sets floor price for QIP at Rs 37.35 per share16-Dec-2020 11:15 AM  
PNB shines on the BSE08-Dec-2020 03:19 PM  
PNB to hold roadshow for proposed Rs 7,000 crore QIP07-Dec-2020 11:00 AM  
Fitch ratings affirms ratings of Punjab National Bank04-Dec-2020 03:45 PM  
PNB trades jubilantly on the BSE03-Dec-2020 12:11 PM  
PNB completes IT integration of all branches of OBC with itself03-Dec-2020 11:57 AM  
PNB rises on launching loan management solution 'LenS-The Lending Solution'02-Dec-2020 12:01 PM  
PNB launches loan management solution 'LenS-The Lending Solution'02-Dec-2020 11:50 AM  
PNB shines as ICRA upgrades bonds rating25-Nov-2020 02:12 PM  
ICRA upgrades PNB's bonds rating 21-Nov-2020 10:57 AM  
RBI imposes penalty of Rs 1 crore on PNB21-Nov-2020 10:41 AM