| Key Financial Ratios of Punjab National Bank (in Rs. Cr.) |
Mar 25 |
Mar 24 |
Mar 23 |
Mar 22 |
Mar 21 |
|
| Per Share Ratios |
|
|
|
|
|
|
| Basic EPS (Rs.) |
14.77 |
7.49 |
2.28 |
3.16 |
2.08 |
|
| Diluted EPS (Rs.) |
14.77 |
7.49 |
2.28 |
3.16 |
2.08 |
|
| Cash EPS (Rs.) |
14.47 |
8.30 |
3.09 |
3.95 |
2.86 |
|
| Book Value [Excl. Reval Reserve]/Share (Rs.) |
110.82 |
89.16 |
83.01 |
80.32 |
79.92 |
|
| Book Value [Incl. Reval Reserve]/Share (Rs.) |
110.82 |
96.70 |
90.69 |
86.72 |
86.79 |
|
| Dividend/Share (Rs.) |
0.00 |
1.50 |
0.65 |
0.64 |
0.00 |
|
| Operating Revenue / Share (Rs.) |
105.94 |
97.09 |
77.33 |
68.00 |
77.07 |
|
| Net Profit/Share (Rs.) |
14.47 |
7.49 |
2.28 |
3.14 |
1.93 |
|
| Per Employee Ratios |
|
|
|
|
|
|
| Interest Income/ Employee (Rs.) |
0.00 |
10,444,813.33 |
8,177,498.20 |
7,259,708.46 |
7,932,041.28 |
|
| Net Profit/ Employee (Rs.) |
0.00 |
805,539.43 |
240,799.55 |
335,158.96 |
198,583.40 |
|
| Business/ Employee (Rs.) |
0.00 |
225,126,127.07 |
202,842,593.72 |
181,726,918.18 |
174,904,476.63 |
|
| Per Branch Ratios |
|
|
|
|
|
|
| Interest Income/ Branch (Rs.) |
0.00 |
105,467,265.19 |
84,501,896.88 |
74,152,839.08 |
74,983,532.92 |
|
| Net Profit/ Branches (Rs.) |
0.00 |
8,133,993.19 |
2,488,293.87 |
3,423,414.14 |
1,877,257.59 |
|
| Business/ Branches (Rs.) |
0.00 |
2,273,227,503.85 |
2,096,066,976.78 |
1,856,213,235.20 |
1,653,414,943.82 |
|
| Key Performance Ratios |
|
|
|
|
|
|
| ROCE (%) |
1.50 |
1.63 |
1.57 |
1.61 |
1.85 |
|
| CASA (%) |
0.00 |
40.33 |
41.99 |
46.55 |
44.54 |
|
| Net Profit Margin (%) |
13.65 |
7.71 |
2.94 |
4.61 |
2.50 |
|
| Operating Profit Margin (%) |
28.14 |
15.42 |
5.37 |
8.42 |
4.67 |
|
| Return on Assets (%) |
0.91 |
0.52 |
0.17 |
0.26 |
0.16 |
|
| Return on Equity / Networth (%) |
13.05 |
8.39 |
2.74 |
3.90 |
2.41 |
|
| Net Interest Margin (X) |
2.35 |
2.56 |
2.35 |
2.18 |
2.41 |
|
| Cost to Income (%) |
30.75 |
53.37 |
51.69 |
49.37 |
46.91 |
|
| Interest Income/Total Assets (%) |
6.69 |
6.84 |
5.82 |
5.69 |
6.40 |
|
| Non-Interest Income/Total Assets (%) |
0.89 |
0.85 |
0.83 |
0.93 |
1.01 |
|
| Operating Profit/Total Assets (%) |
0.01 |
-0.32 |
-0.65 |
-0.67 |
-0.85 |
|
| Operating Expenses/Total Assets (%) |
1.77 |
1.82 |
1.64 |
1.54 |
1.61 |
|
| Interest Expenses/Total Assets (%) |
4.34 |
4.27 |
3.46 |
3.51 |
3.98 |
|
| Valuation Ratios |
|
|
|
|
|
|
| Enterprise Value (Rs. Cr) |
1,696,577.11 |
1,492,031.73 |
1,305,710.71 |
1,173,857.35 |
1,143,614.66 |
|
| EV Per Net Sales (X) |
13.93 |
13.96 |
15.34 |
15.68 |
14.16 |
|
| Price To Book Value (X) |
0.87 |
1.39 |
0.56 |
0.44 |
0.46 |
|
| Price To Sales (X) |
0.91 |
1.28 |
0.60 |
0.52 |
0.48 |
|
| Retention Ratios (%) |
100.00 |
79.96 |
71.45 |
79.61 |
100.00 |
|
| Earnings Yield (X) |
0.15 |
0.06 |
0.05 |
0.09 |
0.05 |
|
Source : Dion Global Solutions Limited
