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Punjab National Bank

Created with Highcharts 6.0.4Sales and Profits (INR bil)Total RevenuesNet Profit2001200220032004200520062007200820092010201120122013201420152016201720180100200300-200-1000100

Punjab National Bank's net interest margin rose 11.0% to 2.23% in 2018

By Helgi Library - November 2, 2019

Punjab National Bank's net interest margin amounted to 2.23% in 2018, up from 2.01% compared to the previous year. Histori...

Punjab National Bank's net interest margin rose 11.0% to 2.23% in 2018

By Helgi Library - November 2, 2019

Punjab National Bank's net interest margin amounted to 2.23% in 2018, up from 2.01% compared to the previous year. Histori...

Punjab National Bank's capital adequacy ratio rose 10.2% to 10.1% in 2018

By Helgi Library - November 2, 2019

Punjab National Bank's capital adequacy ratio reached 10.1% at the end of 2018, up from 9.19% compared to the previous year. ...

Profit Statement 2016 2017 2018
Net Interest Income INR bil 153 152 175
Net Fee Income INR bil 0 0 0
Other Income INR bil 91.6 88.8 73.5
Total Revenues INR bil 245 241 248
Operating Profit INR bil 150 104 132
Provisions INR bil 141 230 232
Net Profit INR bil 8.49 -121 -95.7
Balance Sheet 2016 2017 2018
Interbank Loans INR bil 555 685 450
Customer Loans INR bil 4,242 4,388 4,624
Total Assets INR bil 7,333 7,775 7,893
Shareholders' Equity INR bil 439 418 455
Interbank Borrowing INR bil 25.7 24.3 20.5
Customer Deposits INR bil 6,297 6,484 6,819
Issued Debt Securities INR bil 433 653 468
Ratios 2016 2017 2018
ROE % 1.96 -28.2 -21.9
ROA % 0.117 -1.60 -1.22
Costs (As % Of Assets) % 1.32 1.81 1.49
Costs (As % Of Income) % 38.9 56.7 47.1
Capital Adequacy Ratio % 11.2 9.19 10.1
Net Interest Margin % 2.12 2.01 2.23
Loans (As % Of Deposits) % 67.4 67.7 67.8
NPLs (As % Of Loans) % ... ... ...
Provisions (As % Of NPLs) % ... ... ...
Valuation 2016 2017 2018
Price/Earnings (P/E) 37.6 ... ...
Price/Book Value (P/BV) 0.726 0.629 0.966
Dividend Yield % 0 0 0
Earnings Per Share (EPS) INR 4.14 -54.6 -29.7
Book Value Per Share INR 214 189 141
Dividend Per Share INR 0 0 0

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