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Punjab National Bank
BSE Code 532461
ISIN Demat INE160A01022
Book Value (Rs) 103.59
NSE Code PNB
Dividend Yield % 2.57
Market Cap(Rs Mn) 1299277.24
TTM PE(x) 7.81
TTM EPS(Rs) 14.47
Face Value (Rs) 2  
Particulars Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Operational & Financial Ratios          
   Earnings Per Share (Rs)14.47  7.49  2.28  3.14  1.93  
   DPS(Rs)2.90  1.50  0.65  0.64  0.00  
   Book NAV/Share(Rs)103.59  89.16  83.01  80.32  79.92  
Margin Ratios          
   Yield on Advances11.30  11.44  10.25  10.28  11.99  
   Yield on Investments6.73  6.90  6.61  7.16  7.38  
   Cost of Liabilities4.79  4.71  3.80  3.87  4.37  
   NIM2.48  2.70  2.50  2.33  2.59  
   Interest Spread6.52  6.74  6.45  6.41  7.61  
Performance Ratios          
   ROA(%)0.98  0.55  0.18  0.27  0.19  
   ROE(%)15.31  8.70  2.79  4.02  2.86  
   ROCE(%)16.30  11.49  5.54  5.28  5.36  
Efficiency Ratios          
   Cost Income Ratio54.59  53.37  51.69  49.38  47.82  
   Core Cost Income Ratio58.48  54.07  50.46  53.19  52.16  
   Operating Costs to Assets1.77  1.83  1.65  1.54  1.61  
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)6.64  16.61  20.51  11.16  18.99  
   PCE(x)6.29  14.98  15.11  8.88  12.82  
   Price/Book(x)0.93  1.39  0.56  0.44  0.46  
   Yield(%)3.02  1.21  1.39  1.83  0.00  
   EV/Net Sales(x)1.60  1.75  1.21  1.13  1.01  
   EV/Core EBITDA(x)7.24  7.51  4.56  4.06  3.67  
   EV/EBIT(x)1.87  2.34  1.87  1.67  1.51  
   EV/CE(x)0.96  1.26  0.72  0.06  0.06  
   M Cap / Sales0.91  1.28  0.60  0.52  0.48  
Growth Ratio          
   Core Operating Income Growth6.73  16.21  20.20  -6.06  75.17  
   Operating Profit Growth-0.37  -15.66  -10.74  10.52  -31.36  
   Net Profit Growth101.71  228.84  -27.47  71.00  501.32  
   BVPS Growth16.19  7.41  3.35  0.50  -6.52  
   Advances Growth15.31  12.47  14.10  8.00  42.90  
   EPS Growth(%)93.25  228.84  -27.47  62.71  286.67  
Liquidity Ratios          
   Loans/Deposits(x)0.05  0.04  0.04  0.04  0.04  
   Cash / Deposits(x)0.04  0.05  0.06  0.07  0.04  
   Investment / Deposits(x)0.32  0.31  0.31  0.32  0.36  
   IncLoan / Deposits(x)5.35  3.68  4.00  3.99  3.87  
   Credit/Deposits(%)68.78  68.22  64.85  63.53  60.94  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)0.40  0.73  2.72  4.80  5.73