Punjab National Bank

• Intraday fact check

  In last 15 years, 45.96% of trading sessions had closing price higher than open price.

• Increase in Cash from Investing

  Company has used Rs 987.1 cr for investing activities which is an YoY increase of 56.89%. (Source: Consolidated Financials)

• Sell Signal: Bears inching ahead

  14 day moving crossover appeared yesterday. Average price decline of -3.76% within 7 days of this signal in last 5 years.

• Stock Returns vs Nifty 100

  Stock gave a 3 year return of -79.9% as compared to Nifty 100 which gave a return of 29.59%. (as of last trading session)

• PE Ratio(x)-417.60
• EPS - TTM(₹)-0.09
• MCap(₹ Cr.)38,191.15
• MCap Rank9
• PB Ratio(x)0.58
• Div Yield(%)0.00
• Face Value(₹)2.00
• 52W High(₹)64.10
• 52W Low(₹)26.30
• MCap/Sales0.40
• Beta(1 Month)1.85
• BV/Share(₹)61.31

• PE Ratio(x)-417.60
• EPS - TTM(₹)-0.09
• MCap(₹ Cr.)38,453.09
• MCap Rank9
• PB Ratio(x)0.58
• Div Yield(%)0.00
• Face Value(₹)2.00
• 52W High(₹)63.70
• 52W Low(₹)26.30
• MCap/Sales0.40
• Beta(1 Month)1.85
• BV/Share(₹)61.31

• 1 Day2.96%
• 1 Month-0.14%
• 3 Months30.59%
• 1 Year-42.29%
• 3 Years-79.31%
• 5 Years-60.52%

• 1 Day2.82%
• 1 Month-0.14%
• 3 Months30.59%
• 1 Year-42.25%
• 3 Years-79.31%
• 5 Years-60.73%

• 2021: The year of capital challenge

  News

• These 5 stocks eroded at least half of their value in 2020

  News

• Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation

  Announcements

• Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate

  Announcements

• Income (P&L)

  QuarterlyAnnual	Sep 2020	Jun 2020	Mar 2020	Dec 2019	Sep 2019
  Total Income	23,844.13	24,727.72	16,824.20	16,211.24	15,843.77
  Total Income Growth (%)	-3.57	46.98	3.78	2.32	2.70
  Provisions & Contingencies	4,898.84	4,738.69	4,976.96	4,185.51	3,093.56
  Provisions & Contingencies Growth (%)	3.38	-4.79	18.91	35.30	49.08
  Profit after Tax (PAT)	576.16	537.71	-820.49	-384.96	569.74
  PAT Growth (%)	7.15	-	-	-167.57	-46.96
  Gross NPA (%)	-	-	-	-	-
  Net NPA (%)	-	-	-	-	-
  Net Profit Margin (%)	2.42	2.17	-4.88	-2.37	3.60
  Basic EPS (₹)	0.61	0.57	-1.22	-0.65	1.24

  QuarterlyAnnual	Sep 2020	Jun 2020	Mar 2020	Dec 2019	Sep 2019
  Total Income	23,438.56	24,292.80	16,388.32	15,967.49	15,556.61
  Total Income Growth (%)	-3.52	48.23	2.64	2.64	2.60
  Provisions & Contingencies	4,696.15	4,685.89	4,901.31	4,146.04	2,928.90
  Provisions & Contingencies Growth (%)	0.22	-4.40	18.22	41.56	44.76
  Profit after Tax (PAT)	620.81	308.45	-697.20	-492.28	507.05
  PAT Growth (%)	101.27	-	-	-197.09	-50.22
  Gross NPA (%)	13.43	14.11	14.21	16.30	16.76
  Net NPA (%)	4.75	5.39	5.78	7.18	7.65
  Net Profit Margin (%)	2.65	1.27	-4.25	-3.08	3.26
  Basic EPS (₹)	0.66	0.33	-1.03	-0.83	1.10

  QuarterlyAnnual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Total Income	64,306.13	59,514.51	57,608.19	57,225.66	57,780.47
  Total Income Growth (%)	8.05	3.31	0.67	-0.96	5.28
  Provisions & Contingencies	14,794.83	23,196.01	23,019.55	14,078.67	16,763.27
  Provisions & Contingencies Growth (%)	-36.22	0.77	63.51	-16.01	78.50
  Profit after Tax (PAT)	438.45	-9,570.12	-12,130.06	1,187.24	-3,689.77
  PAT Growth (%)	-	-	-1,496.51	-	-209.63
  Net Interest Margin (%)	2.10	2.21	1.95	2.09	2.31
  Net Profit Margin (%)	0.79	-18.35	-24.89	2.47	-7.26
  Basic EPS (₹)	0.80	-29.68	-54.71	5.78	-20.38

  QuarterlyAnnual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Total Income	63,074.16	58,687.66	56,876.64	56,227.36	54,301.37
  Total Income Growth (%)	7.47	3.18	1.15	3.55	4.01
  Provisions & Contingencies	14,402.35	22,970.74	22,577.02	13,240.36	16,190.74
  Provisions & Contingencies Growth (%)	-37.30	1.74	70.52	-18.22	82.06
  Profit after Tax (PAT)	336.19	-9,975.49	-12,282.82	1,324.80	-3,974.40
  PAT Growth (%)	-	-	-1,027.14	-	-229.82
  Net Interest Margin (%)	2.09	2.21	1.94	2.08	2.29
  Net Profit Margin (%)	0.62	-19.44	-25.59	2.80	-8.38
  Basic EPS (₹)	0.62	-30.94	-55.39	6.45	-20.82

  All figures in Rs Cr, unless mentioned otherwise

• Balance Sheet

  Annual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Advances	4,76,853.34	4,62,416.23	4,38,798.00	4,24,230.49	4,46,083.03
  Advances Growth (%)	3.12	5.38	3.43	-4.90	10.25
  Deposits	7,10,254.37	6,81,874.18	6,48,439.02	6,29,650.86	5,70,382.64
  Deposits Growth (%)	4.16	5.16	2.98	10.39	10.70
  Total Equity	64,237.05	46,372.07	43,284.56	43,945.49	42,532.90
  Total Equity Growth (%)	38.53	7.13	-1.50	3.32	-0.13
  Gross NPA (%)	-	-	-	-	-
  Net NPA (%)	-	-	-	-	-
  Capital Adequacy Ratios (%)	-	-	9.82	11.98	13.15
  Contingent Liabilities	2,13,299.34	3,07,895.89	3,08,790.19	3,38,851.04	3,07,790.60

  Annual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Advances	4,71,827.72	4,58,249.20	4,33,734.72	4,19,493.15	4,12,325.80
  Advances Growth (%)	2.96	5.65	3.39	1.74	8.35
  Deposits	7,03,846.32	6,76,030.14	6,42,226.19	6,21,704.02	5,53,051.13
  Deposits Growth (%)	4.11	5.26	3.30	12.41	10.31
  Total Equity	62,357.49	44,787.13	41,074.31	41,846.98	38,310.14
  Total Equity Growth (%)	39.23	9.04	-1.85	9.23	-1.97
  Gross NPA (%)	14.21	15.50	18.38	12.53	12.90
  Net NPA (%)	5.78	6.56	11.24	7.81	8.61
  Capital Adequacy Ratios (%)	14.14	9.73	9.20	11.66	11.28
  Contingent Liabilities	2,10,800.74	3,05,400.13	3,04,127.70	3,32,831.33	3,03,844.06

  All figures in Rs Cr, unless mentioned otherwise

• Cash Flows

  • Increase in Cash from Investing

    Company has used Rs 987.1 cr for investing activities which is an YoY increase of 56.89%. (Source: Consolidated Financials)

  Annual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Net Cash flow from Operating Activities	-12,743.54	-33,531.96	-140.21	21,938.03	14,167.00
  Net Cash used in Investing Activities	-987.10	-629.17	-1,103.17	158.75	-1,351.51
  Net Cash flow from Financing Activities	14,190.41	13,968.95	7,352.43	-9,767.07	5,974.67
  Net Cash Flow	459.77	-20,192.18	6,109.05	12,329.71	18,790.16
  Closing Cash & Cash Equivalent	77,755.75	77,295.97	97,488.15	91,379.09	77,049.38
  Closing Cash & Cash Equivalent Growth (%)	0.59	-20.71	6.69	18.60	32.25

  Annual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Net Cash flow from Operating Activities	-11,336.23	-30,892.51	1,011.69	12,497.05	17,615.37
  Net Cash used in Investing Activities	-1,515.85	-260.37	-1,288.01	-527.18	-782.74
  Net Cash flow from Financing Activities	13,557.07	10,978.92	7,406.67	738.69	856.29
  Net Cash Flow	704.99	-20,173.96	7,130.36	12,708.56	17,688.92
  Closing Cash & Cash Equivalent	75,993.03	75,288.04	95,462.00	88,331.65	73,623.09
  Closing Cash & Cash Equivalent Growth (%)	0.94	-21.13	8.07	19.98	31.62

  All figures in Rs Cr, unless mentioned otherwise

• Ratios

  Annual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Return on Equity (%)	0.74	-22.51	-31.26	3.01	-9.47
  Return on Assets (%)	0.05	-1.21	-1.55	0.16	-0.51
  Cost to Income (%)	41.90	58.61	63.64	41.24	46.92
  Interest income to Earning assets (%)	6.44	6.59	6.25	6.55	7.12
  Interest Expense to Earning assets (%)	4.34	4.38	4.30	4.46	4.81
  Price to Earnings (x)	49.75	-4.59	-2.17	27.03	-4.51
  Price to Book (x)	0.37	1.03	0.68	0.81	0.43
  Price to Sales (x)	0.40	0.84	0.54	0.67	0.33
  Operating Profit Margin (%)	-16.43	-33.35	-44.05	-17.20	-20.94

  Annual	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
  Return on Equity (%)	0.58	-24.20	-32.85	3.47	-11.20
  Return on Assets (%)	0.04	-1.28	-1.60	0.18	-0.59
  Cost to Income (%)	41.81	58.80	63.44	40.22	48.18
  Interest income to Earning assets (%)	6.47	6.62	6.26	6.56	7.10
  Interest Expense to Earning assets (%)	4.37	4.40	4.31	4.48	4.81
  Price to Earnings (x)	64.94	-4.40	-2.15	24.21	-4.19
  Price to Book (x)	0.38	1.07	0.70	0.84	0.47
  Price to Sales (x)	0.41	0.86	0.55	0.68	0.35
  Operating Profit Margin (%)	-16.61	-33.81	-44.09	-16.13	-22.88

• Buy/Sell Signals

  10 Day EMA Crossover

  Bearish signal on daily chart

  Appeared on: 18 Jan 2021

  10D EMA: 35.71

  Last Signal 16 Dec 2020 (Loss -16.47%)

  Average price decline of -3.36% within 7 days of Bearish signal in last 5 years

  14 Day EMA Crossover

  Bearish signal on daily chart

  Appeared on: 18 Jan 2021

  14D EMA: 35.55

  Last Signal 17 Dec 2020 (Loss -15.14%)

  Average price decline of -3.76% within 7 days of Bearish signal in last 5 years

  Stochastic Crossover

  Bullish signal on weekly chart

  Appeared on: 15 Jan 2021

  Region: Equlibrium

  Last Signal 6 Nov 2020 (Gain 53.69%)

  Average price gain of 11.89% within 7 weeks of Bullish signal in last 10 years

  5 Day EMA Crossover

  Bearish signal on daily chart

  Appeared on: 15 Jan 2021

  5D EMA: 36.16

  Last Signal 11 Jan 2021 (Loss -1.72%)

  Average price decline of -3.78% within 7 days of Bearish signal in last 5 years

  200 Day EMA Crossover

  Bearish signal on daily chart

  Appeared on: 15 Jan 2021

  200D EMA: 36.36

  Last Signal 18 Dec 2020 (Loss -14.09%)

  Average price decline of -5.30% within 30 days of Bearish signal in last 5 years

• Price Analysis
  46%

  Positive Movement
  since 1st Jan 2005
  on basis

  53%

  Negative Movement
  since 1st Jan 2005
  on basis

  Exclude

  Global Meltdown1st Jan 2008 to 10th Nov 2008

  Covid Crisis1st Feb 2020 to 31st Mar 2020

• Pivot Levels

  R1	36.10	Pivot 35.80	S1	35.60
  R2	36.30		S2	35.30
  R3	36.80		S3	34.80

• Average True Range

  5 Days	14 Days	28 Days
  1.41	1.57	1.54

• Stock Performance

  • Stock Returns vs Nifty 100

    Stock gave a 3 year return of -79.9% as compared to Nifty 100 which gave a return of 29.59%. (as of last trading session)

  • Stock Returns vs Nifty Bank

    Stock generated -79.9% return as compared to Nifty Bank which gave investors 21.51% return over 3 year time period. (as of last trading session)

  • CHART
  • TABLE

  • 1D
  • 1W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 5Y

  • Choose from Peers

    Choose from Stocks

  NAME	1D	1W	1M	3M	1Y	3Y	5Y
  PNB	2.96	0.00	-0.14	30.59	-42.29	-79.31	-60.52
  Bank of Baroda	3.70	7.07	20.05	73.74	-22.19	-54.20	-39.47
  IDBI Bank	-2.17	-9.02	-27.78	-22.62	-18.30	-51.69	-49.48
  Canara Bank	4.25	-0.43	13.94	54.98	-37.48	-61.80	-22.42
  Union Bank India	1.26	-2.27	3.70	35.50	-38.69	-77.18	-71.78
  Add More

  All values in %

  Choose from Peers

  • IOB
  • Bank of India
  • UCO Bank
  • Indian Bank
  • Bank of Maha

  Choose from Stocks
• Ratio Performance

  • Stock Returns vs Nifty 100

    Stock gave a 3 year return of -79.9% as compared to Nifty 100 which gave a return of 29.59%. (as of last trading session)

  • Stock Returns vs Nifty Bank

    Stock generated -79.9% return as compared to Nifty Bank which gave investors 21.51% return over 3 year time period. (as of last trading session)

  NAME	P/E (x)	P/B (x)	ROE %	ROA %	Rev CAGR [3Yr]	OPM	NPM	NIM %	Cost to Income %	Interest income to Earning assets %	Net NPA %	Capital Adequacy Ratio %
  PNB	-417.60	0.60	0.74	0.05	3.92	-16.43	0.79	2.10	41.90	6.44	5.78	14.14
  Bank of Baroda	105.15	0.46	1.21	0.07	20.01	-14.25	1.17	2.40	44.02	6.57	3.13	13.30
  IDBI Bank	-6.20	0.90	-45.30	-4.26	-7.21	-83.81	-61.54	2.33	96.10	6.93	4.19	13.31
  Canara Bank	-12.22	0.54	-5.69	-0.26	7.60	-27.77	-3.99	1.88	45.10	6.71	4.22	13.65
  Union Bank India	-16.09	0.61	-10.16	-0.56	4.15	-23.55	-8.32	2.09	47.31	6.74	5.49	12.81
  Add More

  Annual Ratios (%)

  Choose from Peers

  • IOB
  • Bank of India
  • UCO Bank
  • Indian Bank
  • Bank of Maha

  Choose from Stocks

• QoQ Change
  Category	31 Dec 2020	30 Sep 2020	30 Jun 2020	31 Mar 2020
  Promoters	76.87	85.59	85.59	83.19
  Pledge	0.00	0.00	0.00	0.00
  FII	3.81	0.89	1.00	2.18
  DII	9.98	6.07	6.78	7.82
  Mutual Funds	0.60	1.40	2.00	2.26
  Others	9.34	7.45	6.63	6.81

• Total Shareholdings
  Category	No. of Shares	Percentage	% Change QoQ
  Promoters	8,05,41,25,685	76.87 %	-8.72
  Pledge	0	0.00 %	0.00
  FII	39,96,57,832	3.81 %	2.92
  DII	1,04,64,64,630	9.98 %	3.91
  MF	6,27,07,153	0.60 %	-0.80
  Others	97,74,34,078	9.34 %	1.89

• Nippon India ETF Bank BeES

  Equity: Sectoral-Banking

  • 58.84

    Amount Invested (in Cr.)

  • 0.79%

    % of AUM

  • 73.21

    % Change (MoM basis)

• Kotak Banking ETF Reg-D

  Equity: Sectoral-Banking

  • 53.02

    Amount Invested (in Cr.)

  • 0.78%

    % of AUM

  • 72.61

    % Change (MoM basis)

• HDFC Balanced Advantage Direct-G

  Hybrid: Dynamic Asset Allocation

  • 39.03

    Amount Invested (in Cr.)

  • 0.1%

    % of AUM

  • -61.57

    % Change (MoM basis)

• Futures
  • Expiry Month28-01-2021 (Current)25-02-2021 (Near)25-03-2021 (Far)

  Date	Price
  27-09-2020Current	36.150.60 (1.69%)
  35.75 Open	36.45 High	35.60 Low
  35.55 Prev Close	7,995 Contracts Traded	20,182.06 Turnover (₹ Lakhs)

• Options
  • TypeCEPE
  • Expiry Month28-01-2021 (Current)25-02-2021 (Near)25-03-2021 (Far)
  • Strike Price20.021.022.023.024.025.026.027.028.029.030.031.032.033.034.035.036.037.038.039.040.041.042.043.044.045.046.047.048.0

  Date	Price
  27-09-2020Current	0.00-7.25 (-100.00%)
  0.00 Open	0.00 High	0.00 Low
  7.25 Close	0 Contracts Traded	0.00 Turnover (₹ Lakhs)

• Recent

  Board Meeting

  Quarterly Results

  Oct 27, 2020

  Board Meeting

  Quarterly Results

  Aug 14, 2020

  General Meeting

  Book closure from Jul 29, 2020 to Aug 4, 2020

  Jul 09, 2020

• Board Meetings

  Announced on	Meeting on
  Oct 27, 2020	Nov 02, 2020
  Quarterly Results
  Aug 14, 2020	Aug 21, 2020
  Quarterly Results
  Jul 07, 2020	Jul 09, 2020
  To consider raising of funds
  Jun 16, 2020	Jun 19, 2020
  Audited Results
  Jan 23, 2020	Feb 04, 2020
  Quarterly Results

• Dividends

  Announced on	Ex-Date	Dividend%
  May 08, 2015	Jun 22, 2015	165%
  Jan 31, 2014	Feb 11, 2014	100%
  May 09, 2013	Jun 13, 2013	270%
  May 09, 2012	Jun 14, 2012	220%
  May 04, 2011	Jun 16, 2011	220%

• Bonus

  No Data Available

• Splits

  Announced on	Ex-Date
  Sep 19, 2014	Dec 18, 2014
  Split: Old FV10.0| New FV:2.0

• Rights

  No Data Available

• AGM/EGM Meetings

  Announced on	Meeting on
  Jul 09, 2020	Aug 04, 2020
  Book closure from Jul 29, 2020 to Aug 4, 2020
  Oct 01, 2019	Nov 04, 2019
  -
  May 31, 2019	Jul 12, 2019
  Book closure from Jul 8, 2019 to Jul 12, 2019
  Feb 27, 2019	Mar 28, 2019
  -
  Sep 27, 2018	Oct 30, 2018
  -

Punjab National Bank, incorporated in the year 1969, is a banking company (having a market cap of Rs 38243.54 Crore).Punjab National Bank key Products/Revenue Segments include Interest & Discount on Advances & Bills which contributed Rs 35814.96 Crore to Sales Value (66.57 % of Total Sales), Income From Investment which contributed Rs 15332.60 Crore to Sales Value (28.49 % of Total Sales), Interest On Balances with RBI and Other Inter-Bank Funds which contributed Rs 2510.22 Crore to Sales Value (4.66 % of Total Sales) and Interest which contributed Rs 142.25 Crore to Sales Value (0.26 % of Total Sales)for the year ending 31-Mar-2020. The Bank has reported a Gross Non Performing Assets (Gross NPAs) of Rs .00 Crore (.00 % of total assets) and Net Non Performing Assets (Net NPAs) of Rs .00 Crore (.00% of total assets).For the quarter ended 30-09-2020, the company has reported a Consolidated Interest Income of Rs 14162.12 Crore, up 1.71 % from last quarter Interest Income of Rs 13924.49 Crore and up 58.08 % from last year same quarter Interest Income of Rs 8959.03 Crore. The bank has reported net profit after tax of Rs 544.66 Crore in latest quarter.The bank’s top management includes Dr.Asha Bhandarker, Dr.Rabi N Mishra, Dr.Rajesh Kumar Yaduvanshi, Mr.Agyey Kumar Azad, Mr.Pankaj Jain, Mr.Ravi Mital, Mr.S S Mallikarjuna Rao, Mr.Sanjay Verma. It has A John Moris & Co as its auditoRs As on 31-12-2020, the company has a total of 10,477,682,225 shares outstanding. Show More

Punjab National Bank share price moved up by 2.96% from its previous close of Rs 35.45. Punjab National Bank stock last traded price is 36.50

Punjab National Bank share price moved up by 2.82% from its previous close of Rs 35.50. Punjab National Bank stock last traded price is 36.50

DATA SOURCES: TickerPlant (for live BSE/NSE quotes service) and Dion Global Solutions Ltd. (for corporate data, historical price & volume, F&O data). Sensex & BSE Quotes and Nifty & NSE Quotes are real-time and licensed from BSE and NSE respectively. All timestamps are reflected in IST (Indian Standard Time).

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