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Punjab National Bank
BSE Code 532461
ISIN Demat INE160A01022
Book Value (Rs) 87.79
NSE Code PNB
Dividend Yield % 0.50
Market Cap(Rs Mn) 1420421.01
TTM PE(x) 22.22
TTM EPS(Rs) 5.81
Face Value (Rs) 2  
Particulars Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019
Operational & Financial Ratios          
   Earnings Per Share (Rs)2.28  3.14  1.93  0.50  -21.67  
   DPS(Rs)0.65  0.64  0.00  0.00  0.00  
   Book NAV/Share(Rs)83.01  80.32  79.92  85.49  89.50  
Margin Ratios          
   Yield on Advances10.25  10.28  11.99  11.40  11.20  
   Yield on Investments6.61  7.16  7.38  7.05  7.52  
   Cost of Liabilities3.80  3.87  4.37  4.82  4.77  
   NIM2.50  2.33  2.59  2.21  2.33  
   Interest Spread6.45  6.41  7.61  6.58  6.42  
Performance Ratios          
   ROA(%)0.18  0.27  0.19  0.04  -1.29  
   ROE(%)2.79  4.02  2.86  0.68  -25.38  
   ROCE(%)5.54  5.28  5.36  2.77  -14.42  
Efficiency Ratios          
   Cost Income Ratio51.69  49.38  47.82  44.82  47.03  
   Core Cost Income Ratio50.46  53.19  52.16  47.74  49.22  
   Operating Costs to Assets1.65  1.54  1.61  1.44  1.49  
Capitalisation Ratios          
   Tier 1 ratio0  0  0  0  0  
   Tier 2 ratio0  0  0  0  0  
   CAR0  0  0  0  0  
Valuation Parameters          
   PER(x)20.51  11.16  18.99  64.83  0.00  
   PCE(x)15.11  8.88  12.82  23.09  -4.67  
   Price/Book(x)0.56  0.44  0.46  0.38  1.07  
   Yield(%)1.39  1.83  0.00  0.00  0.00  
   EV/Net Sales(x)1.21  1.13  1.01  1.34  1.62  
   EV/Core EBITDA(x)4.56  4.06  3.67  4.89  6.41  
   EV/EBIT(x)1.87  1.67  1.51  1.94  4.43  
   EV/CE(x)0.07  0.06  0.06  0.09  0.11  
   M Cap / Sales0.60  0.52  0.48  0.41  0.86  
Growth Ratio          
   Core Operating Income Growth20.20  -6.06  75.17  1.64  14.97  
   Operating Profit Growth-10.74  10.52  -31.36  28.03  5.98  
   Net Profit Growth-27.47  71.00  501.32  103.37  18.79  
   BVPS Growth3.35  0.50  -6.52  -4.48  -33.92  
   Advances Growth14.10  8.00  42.90  2.96  5.65  
   EPS Growth(%)-27.47  62.71  286.67  102.30  51.30  
Liquidity Ratios          
   Loans/Deposits(x)0.04  0.04  0.04  0.07  0.06  
   Cash / Deposits(x)0.06  0.07  0.04  0.05  0.05  
   Investment / Deposits(x)0.31  0.32  0.36  0.34  0.30  
   IncLoan / Deposits(x)4.00  3.99  3.87  7.14  5.82  
   Credit/Deposits(%)64.85  63.53  60.94  67.04  67.79  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)2.72  4.80  5.73  5.78  6.56