Punjab National Bank - Financial Ratios - Standalone - [INR-Crores]

Particulars Mar-2024 Mar-2023 Mar-2022 Mar-2021

Operational & Financial Ratios
Earnings Per Share (Rs) 7.49 2.28 3.14 1.93
Adjusted EPS (Rs.) 7.49 2.28 3.14 1.93
DPS(Rs) 1.5 0.65 0.64 0
Adj DPS(Rs) 1.5 0.65 0.64 0
Book NAV/Share(Rs) 89.16 83.01 80.32 79.92
Adjusted Book Value (Rs.) 89.16 83.01 80.32 79.92
Dividend payout(%) 20.03 28.55 20.39 0
Margin Ratios
Yield on Advances 11.44 10.25 10.28 11.99
Yield on Investments 6.9 6.61 7.16 7.38
Cost of Liabilities 4.71 3.8 3.87 4.37
NIM(%) 2.7 2.5 2.33 2.59
Interest Spread 6.74 6.45 6.41 7.61
Performance Ratios
ROA(%) 0.55 0.18 0.27 0.19
ROE(%) 8.7 2.79 4.02 2.86
Efficiency Ratios
Cost Income Ratio 53.37 51.69 49.38 47.82
Core Cost Income Ratio 54.07 50.46 53.19 52.16
Operating Costs to Assets 1.83 1.65 1.54 1.61
Capitalisation Ratios
Total CAR (Basel I)
Tier-1 ratio (Basel I)
Tier-2 ratio (Basel I)
Total CAR (Basel II)
Tier-1 ratio (Basel II)
Tier-2 ratio (Basel II)
Growth Ratio
Core Operating Income Growth 16.21 20.2 -6.06 75.17
Net Profit Growth 228.84 -27.47 71 501.32
BVPS Growth 7.41 3.35 0.5 -6.52
Advances Growth 12.47 14.1 8 42.9
Adj. EPS Growth(%) 228.84 -27.47 62.72 286.67
Liquidity Ratios
Loans/Deposits(x) 0.04 0.04 0.04 0.04
Cash/Deposits(x) 0.05 0.06 0.07 0.04
Investment/Deposits(x) 0.31 0.31 0.32 0.36
Inc Loan/Deposit(%) 3.68 4 3.99 3.87
Credit/Deposits(%) 68.22 64.85 63.53 60.94
Interest Expended / Interest earned(%) 62.5 59.49 61.68 62.2
Interest income / Total funds (%) 6.84 5.82 5.7 6.41
Interest Expended / Total funds (%) 4.28 3.47 3.51 3.99
CASA (%) 40.34 41.99 46.56 44.54
Assets Quality
Net NPAs (funded) to Net Advances (%) 0.73 2.72 4.8 5.73
Source:Ace Equity Nxt...
Disclaimer : Accord Fintech Pvt Ltd has taken all the necessary steps and measures in compilation of the Data present i
We have tried our level best to provide data from reliable source. However, Accord Fintech Pvt Ltd does not guarantee
directors/ employees/ representatives does not accept any liability for any direct or consequential loss arising from the
Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016 Mar-2015 Mar-2014 Mar-2013

0.5 -21.67 -44.49 6.23 -20.24 16.51 92.32 134.31

0.5 -21.67 -44.49 6.23 -20.24 16.51 18.46 26.86
0 0 0 0 0 3.3 10 27
0 0 0 0 0 3.3 2 5.4
85.49 89.5 135.44 180.2 180.61 203.24 952.5 884.03
85.49 89.5 135.44 180.2 180.61 203.24 190.5 176.81
0 0 0 0 0 19.99 10.83 20.1

11.4 11.2 11.07 11.27 11.5 12.17 12.38 13.56

7.05 7.52 8.59 8.16 8.26 7.75 7.52 7.71
4.82 4.77 4.7 4.87 5.24 5.44 5.42 6.27
2.21 2.33 2.05 2.16 2.37 2.82 3 3.19
6.58 6.42 6.36 6.4 6.26 6.73 6.95 7.29

0.04 -1.29 -1.65 0.19 -0.63 0.53 0.65 1.01

0.68 -25.38 -32.44 3.59 -10.87 8.48 10.17 16.48

44.82 47.03 56.75 39.17 46.79 46.74 45.06 42.81

47.74 49.22 65.75 44.05 49.1 48.97 46.29 43.93
1.44 1.49 1.76 1.3 1.49 1.74 1.7 1.7

12.28
9.42
2.86
11.95 12.99 12.28 12.72
8.07 9.63 9.29 9.76
3.88 3.36 2.99 2.96

1.64 14.97 -0.47 -2.08 -7.51 2.54 8.73 10.69

103.37 18.79 -1027.14 133.33 -229.82 -8.41 -29.6 -2.8
-4.48 -33.92 -24.84 -0.23 -11.13 -78.66 7.75 13.72
2.96 5.65 3.39 1.74 8.35 8.95 13.11 5.11
102.3 51.3 -814.68 130.76 -222.61 -10.59 -31.27 -6.73

0.07 0.06 0.09 0.07 0.11 0.09 0.11 0.1

0.05 0.05 0.04 0.04 0.05 0.05 0.05 0.05
0.34 0.3 0.31 0.3 0.29 0.3 0.32 0.33
7.14 5.82 9.47 6.56 10.8 9.11 10.64 10.12
67.04 67.79 67.54 67.47 74.55 75.9 77.38 78.86
67.59 66.56 68.91 68.29 67.71 64.25 62.65 64.55
6.48 6.62 6.27 6.56 7.11 7.68 7.85 8.75
4.38 4.41 4.32 4.48 4.81 4.93 4.92 5.65
42.97 42.16 40.99 41.82 37.17 36.66 38.3 39.16

5.78 6.56 11.24 7.81 8.61 4.06 2.85 2.35

mpilation of the Data present in the Ace Equity Nxt...
h Pvt Ltd does not guarantee the accuracy,adequacy or completeness of any Data in the Ace Equity Nxt... and is not responsible for a
equential loss arising from the use of the Data contained in the Ace Equity Nxt... or any data generated from the Ace Equity Nxt...
Mar-2012 Mar-2011 Mar-2010 Mar-2009 Mar-2008 Mar-2007 Mar-2006 Mar-2005

144 139.94 123.86 98.03 64.98 48.84 45.65 44.72

28.8 27.99 24.77 19.61 13 9.77 9.13 8.94
22 22 22 20 13 10 9 6
4.4 4.4 4.4 4 2.6 2 1.8 1.2
777.35 632.48 514.77 416.74 341.98 321.65 287.79 248.93
155.47 126.5 102.95 83.35 68.4 64.33 57.56 49.79
15.28 15.72 17.76 20.4 20.01 20.47 19.72 13.42

12.42 11.15 11.48 12.36 11.94 11.63 12.84 14

6.59 6.24 6.9 7.78 7.51 8.1 10.93 8.89
5.53 4.41 4.82 5.53 5.08 4.25 3.89 4.21
3.01 3.22 2.95 2.85 2.88 3.31 3.32 3.28
6.88 6.74 6.66 6.83 6.86 7.38 8.95 9.8

1.17 1.31 1.44 1.39 1.13 1 1.06 1.23

21.05 24.45 26.59 25.84 19.58 16.03 17.01 22.49

39.75 41.27 39.39 42.5 46.81 47.9 50.89 57.69

40.55 42.09 42.2 45.56 49.73 50.62 52.77 61.5
1.53 1.68 1.61 1.7 1.77 2.05 2.08 2.6

11.59 11.76 12.97 12.59 12.96 12.29 11.95 14.78

8.52 7.99 8.38 8.05 8.52 8.93 10.06 8.87
3.07 3.77 4.59 4.54 4.44 3.36 1.89 5.91
12.63 12.42 14.16 14.03 13.46
9.28 8.44 9.11 8.98 8.97
3.35 3.98 5.05 5.05 4.49

13.61 39.27 24.1 23.45 6.16 11.71 16.47 10.56

10.17 13.52 26.35 50.87 33.03 7 2.07 27.19
22.9 22.87 23.52 21.86 6.32 11.77 15.61 40.79
21.34 29.75 20.62 29.46 23.71 29.44 23.53 27.93
2.9 12.98 26.35 50.87 33.03 7 2.07 7.02

0.1 0.1 0.08 0.06 0.03 0.01 0.06 0.03

0.05 0.08 0.07 0.08 0.09 0.09 0.2 0.09
0.32 0.3 0.31 0.3 0.32 0.32 0.34 0.49
9.82 10.1 7.73 5.94 3.27 1.39 5.57 2.63
77.39 77.38 74.84 73.75 71.79 69.07 62.35 58.56
63.22 56.25 60.42 64.28 61.2 53.6 51.31 52.64
7.96 7.13 7.22 7.75 7.17 6.92 6.6 6.7
5.03 4.01 4.36 4.98 4.39 3.71 3.39 3.53
35.34 38.45 40.85 38.83 42.99 46.16 48.99 46.34

1.52 0.85 0.53 0.17 0.64 0.76 0.29 0.2

 and is not responsible for any errors or omissions or for the results obtained from the use of such Data. Accord Fintech especially s
om the Ace Equity Nxt...
Mar-2004 Mar-2003 Mar-2002 Mar-2001 Mar-2000 Mar-1999 Mar-1998 Mar-1996

41.79 31.74 26.5 21.85 19.23 17.53 22.49 -2.64

8.36 6.35 5.3 4.37 3.85 3.51 4.5 -0.53
4 3.5 3 2.5 2.4 2 2 0
0.8 0.7 0.6 0.5 0.48 0.4 0.4 0
176.81 139.59 135.6 109.43 90.34 73.78 60.24 21.15
35.36 27.92 27.12 21.89 18.07 14.76 12.05 4.23
9.57 11.03 11.32 11.44 12.48 11.41 8.89 0

16.47 18.61 19.34 20.91 22.84 23.35 24.89 24.98

11.67 11.67 12.2 11.87 11.91 11.06 2.53 11.9
4.66 5.7 6.74 6.73 7.35 6.82 7.62 7.34
3.69 3.79 3.33 3.44 3.18 3.8 3.45 3.68
11.81 12.9 12.6 14.18 15.49 16.53 17.27 17.64

1.18 1.06 0.82 0.79 0.81 0.86 1.34 -0.32

26.42 25.59 21.63 21.87 23.43 26.16 46.63 -11.74

43.17 47.02 54.97 66.44 65.01 62.62 58.49 72.43

54.21 54.53 62.19 71.97 71.57 64.95 66.69 72.22
2.32 2.39 2.47 2.95 2.82 2.97 2.84 3.21

13.1 12.02 10.7 10.24 10.31 10.79 8.81 8.23

7.01 7.11 6.34 6.73 6.42
6.09 4.91 4.36 3.58 4.37

16.01 36.09 12.6 26.11 -2.19 27.79 19.88 32.55

31.64 49.75 21.3 13.6 9.68 -22.05 597.65 -211.81
26.66 2.94 23.92 21.13 22.44 22.48 184.88 -11.09
17.39 17.05 22.56 24.24 18.5 18.73 26.52 9.15
31.64 19.8 21.3 13.6 9.68 -22.05 952.59 -211.81

0.01 0.01 0.01 0.01 0.01 0 0.01 0.05

0.08 0.09 0.08 0.1 0.12 0.12 0.14 0.16
0.48 0.45 0.44 0.45 0.47 0.46 0.45 0.44
1.47 0.87 0.64 1.2 1.4 0.48 0.75 4.87
53.72 53.06 53.6 49.96 47.54 46.71 45.61 46.75
53.41 58.27 65.47 65.24 68.64 62.85 67.61 65.95
7.6 8.68 9.12 9.23 9.52 9.6 10.03 10.06
4.06 5.06 5.97 6.02 6.54 6.03 6.78 6.63
45.87 46.87 44.32 44.26 44.88 45.43 43.6 41.99

0.98 3.86 5.32 6.74 8.52 8.96 9.57

Accord Fintech especially states that it has no financial liability whatsoever to the users of Ace Equity Nxt... .Accord or any of its
Mar-1995

2.36
0.47
0.28
0.06
23.79
4.76
11.66

21.99
11.81
6.78
3.05
15.21

0.3
9.92

72.29
79.48
2.93

0
0
0
0
0

0.04
0.14
0.46
3.85
47.02
68.15
8.94
6.09
45.49
xt... .Accord or any of its