Punjab National Bank

PNB

Market Cap
₹88,870 Cr.
P/E
15.05

Punjab National Bank

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Company Timeline

Company Timeline

Forensics
Other Income
Other Income component is making ratios of the company look optically better
Pledge
Promoters have not pledged a significant portion of their holding
Cost Of Borrowing
Cost Of Borrowing of the company seems to be trending up
Cost to Income Ratio
Operational cost of company is trending up
Contingent Liabilities
Company has significant contigent liabilities which can be risky
Retail Holding
Retail has been selling the stock which is usually a good time to buy
Share price
Share price has decreased over last 10 years more due to derating
ROE
Net Profit Margin is responsible for ROE increase over last 10 years
Net Interest Margin
Net Interest margin of the company is trending up
Net NPA
NPA's of the company is currently under control
Current vs Historic Valuation
Company is trading at a premium to 3yr historic valuations
Promoter Holding
Promoter has not sold any shares in the last 90 days
ROE
Latest
3.32%
3yr Average
3.49%
5yr Average
-2.75%
Net Profit Margin
Latest
3.38%
3yr Average
3.49%
5yr Average
-0.99%
Market Share
8.65% (as of Sep 23)
Bank Advances - Market Share
6.80% (as of Sep 23)
Bank Deposits - Market Share
0.19% (as of Oct 23)
Credit Card Transactions - Market Share
4.90% (as of Oct 23)
Debit Card Transactions - Market Share
2.93% (as of Sep 23)
Housing Loan - Market Share
2.50% (as of Oct 23)
Internet Banking - Market Share
3.61% (as of Oct 23)
Mobile Banking Transactions - Market Share
4.76% (as of Sep 23)
Net Interest Income(NII) - Market Share
0.87% (as of Oct 23)
New Business Premium Life Insurance - Market Share
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Revenue mix

Segment Break-Up

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Loan Break-Up -Corporate/Wholesale Banking

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Loan Break-Up -Priority Sector

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Location Wise Break-Up

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Location Wise Break-Up -India

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Retail Loan Break-Up - Banking

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Borrowings Break-Up

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Profit Before Tax

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Priority vs Non-Priority Sector

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NPA Break-Up

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MSME Loan Break-Up

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Asset Break-Up - Geography Wise

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Operational Metrics

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    • Cost To Income Ratio (%)
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    • Net Interest Margin (%)
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    • Yield On Advances (%)
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    • Gross NPA (%)
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    • Net NPA (%)
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    • CASA Ratio (%)
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    • CASA vs Liabilities (%)
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    • Credit Deposit Ratio (%)
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    • Fresh Slippages - Quarterly (Cr)
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    • Capital to Risks Assets Ratio (CRAR) (%)
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    • Tier 2 Capital (%)
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    • Tier I Capital (%)
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    • New Business Performance - Life Insurance (Cr)
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    • Embedded Value (Crs)
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    • Commission Ratio - Life Insurance (%)
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    • AUM - Life Insurance (Crs)
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    • Value Of New Business Margin (VNB) (%)
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    • Management Expense Ratio - Life Insurance (%)
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    • 61 Month Persistency Ratio (%)
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    • 13 Month Persistency Ratio (%)
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    • Cost of Borrowing (%)
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    • Management Compensation as a % of Sales (%)
    Peer Comparison
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    Discussions & Analysis
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