Financial Ratios

PUNJAB NATIONAL BANK

NSE : PNBBSE : 532461ISIN CODE : INE160A01022Industry : Bank - PublicHouse : PSU
BSE133.050.25 (+0.19 %)
PREV CLOSE ( ) 132.80
OPEN PRICE ( ) 133.05
BID PRICE (QTY) 0.00 (0)
OFFER PRICE (QTY) 0.00 (0)
VOLUME 1115169
TODAY'S LOW / HIGH ( )132.10 133.70
52 WK LOW / HIGH ( )47.9 138.3
NSE133.000.15 (+0.11 %)
PREV CLOSE( ) 132.85
OPEN PRICE ( ) 133.25
BID PRICE (QTY) 133.00 (43312)
OFFER PRICE (QTY) 0.00 (0)
VOLUME 18644765
TODAY'S LOW / HIGH( ) 132.15 133.70
52 WK LOW / HIGH ( )47.9 138.3
Select year
ParticularsMar2023Mar2022Mar2021Mar2020Mar2019
Operational & Financial Ratios
   Earnings Per Share (Rs)2.283.141.930.50-21.67
   DPS(Rs)0.650.640.000.000.00
   Book NAV/Share(Rs)83.0180.3279.9285.4989.50
Margin Ratios
   Yield on Advances10.2510.2811.9911.4011.20
   Yield on Investments
   Cost of Liabilities3.803.874.374.824.77
   NIM2.502.332.592.212.33
   Interest Spread6.456.417.616.586.42
Performance Ratios
   ROA(%)0.180.270.190.04-1.29
   ROE(%)2.794.022.860.68-25.38
   ROCE(%)5.545.285.362.77-14.42
Efficiency Ratios
   Cost Income Ratio51.6949.3847.8244.8247.03
   Core Cost Income Ratio50.4653.1952.1647.7449.22
   Operating Costs to Assets1.651.541.611.441.49
Capitalisation Ratios
   Tier 1 ratio
   Tier 2 ratio
   CAR
Valuation Parameters
   PER(x)20.5111.1618.9964.830.00
   PCE(x)15.118.8812.8223.09-4.67
   Price/Book(x)0.560.440.460.381.07
   Yield(%)1.391.830.000.000.00
   EV/Net Sales(x)1.211.131.011.341.62
   EV/Core EBITDA(x)4.564.063.674.896.41
   EV/EBIT(x)1.871.671.511.944.43
   EV/CE(x)0.070.060.060.090.11
   M Cap / Sales0.600.520.480.410.86
Growth Ratio
   Core Operating Income Growth20.20-6.0675.171.6414.97
   Operating Profit Growth
   Net Profit Growth-27.4771.00501.32103.3718.79
   BVPS Growth3.350.50-6.52-4.48-33.92
   Advances Growth14.108.0042.902.965.65
   EPS Growth(%)-27.4762.71286.67102.3051.30
Liquidity Ratios
   Loans/Deposits(x)
   Cash / Deposits(x)0.060.070.040.050.05
   Investment / Deposits(x)0.310.320.360.340.30
   IncLoan / Deposits(x)4.003.993.877.145.82
   Credit/Deposits(%)
   Total Debt/Mcap(x)
   Net NPAs (funded) to Net Advances (%)2.724.805.735.786.56

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RISK DISCLOSURES ON DERIVATIVES

  • 9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
  • On an average, loss makers registered net trading loss close to ₹ 50,000.
  • Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
  • Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.

Source:

1. SEBI study dated January 25, 2023 on “Analysis of Profit and Loss of Individual Traders dealing in equity Futures and Options (F&O) Segment”, wherein Aggregate Level findings are based on annual Profit/Loss incurred by individual traders in equity F&O during FY 2021-22.