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PUNJAB NATIONAL BANK34.15 -0.40 (-1.16%)

  • BSE: 590103
  • |
  • NSE: PNB
  • |
  • ISIN NO: INE160A01022
  • |
  • INDUSTRY: Banks
Profile

PNB

Punjab National Bank or PNB

It was established in 1895 in Lahore and is one of the oldest banks in India with a virtual presence in every vital center of the country. It has over 35 million customers via 4540 offices including 421 extension counters, and out of that 2/3 of its branches are in rural and semi-rural areas. Also, it has the largest among nationalized banks that make it take the pleasure of the highest penetration rates of the banking activities in the coun ... try. PNB also caters to a wide variety of audiences via the range of services that include corporate and personal banking, industrial finance, agricultural finance, and international finance. It also has vast banking resources and a significant presence in almost each lending sphere. Also, the bank has a capital adequacy ratio or CAR, above the Basel–2 regulatory requirement, at 12.96% as of June 2008, and despite being exposed to the numerous market and credit risk components. And constantly strengthening the capital adequacy ratio via internal accruals and a constant increase in Tier 1 capital has put the bank in a very favorable and formidable position. It has a net interest margin (NIM) higher than the industry average due to its mix of improving yields and low-cost funding base and also one of the healthiest low-cost current account saving accounts or CASA ratio of about 41.31%. It also has the benefit of the highest rating by all the four domestic rating agencies and even one of the few banks to boast an AAA rating on its persistent debt issue. The bank also has various future ambitious plans of major technological up-gradation to establish the capability of having 100,000 terminals under the Core Banking Solutions (CBS) with a higher thrust on increasing the international tracks. In the macro-prudential analysis of the Indian economy, it has seemed that the Indian banking industry has come a long way. And also has entered in its ever-challenging growth phase in a very prominent time as more than 49% of the population financially excluded offers an immense opportunity to the bank. The primary focus of the bank will be on retaining and further enhancing low-cost deposits, lending to the agriculture and small and medium enterprises and repositioning of subsidiaries as well as the joint ventures. At the time of global financial turmoil, almost all the banks across the world were creeping under tremendous pressure. But this Bank managed to protect itself from the disastrous transactions and has strictly adhered as per the RBI guidelines. In July 2011, the bank agreed to pick up a 30% stake in the MetLife India that will make it the single largest shareholder in the private insurance company. Also, the two parties have decided that once the deal is finalized, then the company will be renamed as PNB MetLife India.

Some of the Subsidiaries:

  • PNB Gilts
  • PNB Housing Finance
  • PNB Investment Services
  • PNB Insurance Broking
  • PNB Life Insurance Co.

Some of the Joint Ventures:

  • Principal PNB Asset Management Company
  • Principal Trustee Company
  • Assets Care Enterprises
  • India Factoring & Finance Solutions

Some of the Awards:

  • 2010:

  • Best Corporate Social Responsibility Practice Award.
  • SCOPE Meritorious Award for Excellence in Corporate Governance 2009.
  • Golden Peacock Award for Excellence in Corporate Governance for 2009.
  • India Pride Awards for Excellence in PSU Category.
  • Award for Priority Sector Lending including Financial Inclusion.
  • 5 National Awards for the contribution made in promoting MSMEs.
  • Skoch Challenge Award 2010 for livelihood linkage of the Milk producers in Bulandshahar District Uttar Pradesh.
  • Golden Peacock Innovative Product and Services Award for BCP Implementation for the year 2010.
  • Best Info Sphere Warehouse Solution Award 2009 IBM.
  • IDC Financial Insights Innovation Awards 2010.
  • CIO 100 Awards for the Year 2009.
  • Emerson Uptime Champion Awards for 2009 in the Government and PSU Category.
  • Excellence in Training Award in 2009–10.
  • 2011:

  • SCOPE Meritorious Award for Best Managed Bank.
  • Wind Power India Awards – Second Prize under the category of “Best Wind Power Project Financier” 2011.
  • Golden Peacock Award for Excellence in Corporate Social Responsibility.
  • Golden Peacock National Training Award 2010 6th BML Munjal Award for Excellence in Learning & Knowledge Development” 2010.
  • Rolta Corporate Award 2010– Top Indian Company under “Banks” Category.
  • Best Corporate Social Responsibility Practice Award 2011.
  • Award for “Computerization of RRBs” for 2010.
  • Award for “Best Home Loan Provider” for 2010.
  • Award for “Best Education Loan Provider” 2010.
  • Global HR Excellence Award 2010 for the outstanding Contribution to the cause of Education.
  • Asia's Best Employer Brand Award.
  • Award for Brand Excellence under Banking & Financial Services.
  • CSR Excellence Award 2010.
  • 2012:

  • Best Bank Award 2011.
  • Most Socially Responsive Bank 2011.
  • Overall Most Productive Bank Award 2011.
  • Golden Peacock National Training Award.
  • Best in Corporate Social Responsibility overall.
  • Skoch Financial Inclusion Award for its Jana Mitra Rickshaw Scheme.
  • India pride Awards in Corporate Social Responsibility (CSR).
  • Editorial Board Roll of Honor by CNBC TV18 India Best Banks and Financial Institutions Awards.
  • Global HR Excellence Award under the category ''Organization with Innovative HR Practices''.
  • Two Awards for SME financing.
  • –For lending under Prime Minister's Employment Generation Programme (PMEGP) Scheme in North Zone and for Lending in Khadi and Village Industry Commission (KVIC) Interest Subsidy Scheme on All India level.
  • Best Bank Awards among Large Banks for ''IT for Internal Effectiveness''.
  • Golden Peacock Award for HR Excellence 2011.
  • Award for Excellence in Training.
  • 2013:

  • Golden Peacock Business Excellence Awards for the year 2011–12.
  • Social and Corporate Governance Award– Best Corporate Social Responsibility.
  • Most Socially Responsive Bank 2012.
  • Best Public Sector Bank.
  • Best Bank and Financial Institutions Awards.
  • Organization with Innovative HR Practices.
  • Best online Bank (1st Runner Up) Indian Banks' Association.
  • Bank with Best Use of Business Intelligence (W inner).
  • Bank with Best Risk Management and Security Initiatives (winner).
  • Bank with Best Financial Inclusion Initiatives (Second Runner up).
  • Best Bankers' Award under Agriculture Credit–Large.
  • Best Public Sector bank under Priority Sector Lending.
  • 3rd CMO Asia Excellence for Branding & Marketing under Banking, Financial Institutions and Insurance.
  • 3rd Asia's Best Employer Brand Awards– Excellence in Training.

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Key Data
  • Market cap 28373.00 CR.
  • Book value 66.26
  • Stock P/E 0
  • Dividend Yield 0.00%
  • ROCE 4.70%
  • ROE 0.55%
  • Sales Growth (3Y) 4.40%
  • Face Value (3Y) 2.00
Trend Analysis
  • Short Term Trend :
    Not clear
  • Medium Term Trend :
    Not Clear
  • Long Term Trend :
    Not Clear

Are you friends with trend?

There is a saying in stock market, "Trend is your best friend"

It means, a good trader doesn't place his money against the trend. Many new traders lose money because they are trying to catch trend reversals but seasoned traders wait for a clear trend to emerge before taking the trade in the direction of trend.

Day Technicals

What is Opening Range Breakout?

An opening range breakout is breaking out of the day's range after a stock has moved for some time in a sideways trend. In technical terms, its a breakout from the support and resistance level in an upward or downward trend.

NR7

What is NR7 trading strategy?

Narrow Range trading strategy or NR7 Trading strategy is a breakout based method which assumes that the price of security trends up or down after a brief consolidation in a narrow range.

Opening Price clues

How to use Opening Price Clues in your trades?

If the stock has same open and high after it has traded for some time, it implies there was a consistent selling pressure that didn't allow the stock to move higher from the opening price. Similarly, if the stock has same open and low price, it implies there was a consistent buying intent that kept the stock price above the opening price.

Day High Low Range
TIME LOWEST HIGHEST
10 AM - -
11 AM - -
12 PM - -
1 PM - -
2 PM - -
Japanese Candlestick Patterns
Candle Pattern 1 :None
Candle Pattern 2 : None
Candle Pattern 3 :None
Candlestick Price Action
Lower High Lower Low
Pivot Points
Name S4 S3 S2 S1 Pivot Points R1 R2 R3 R4
classic 29.38 31.23 33.08 33.82 34.93 35.67 36.78 38.63 40.48
woodie's 31.17 33.02 33.61 34.88 35.46 36.72 37.31 38.58 40.42
fibonacci - 33.08 33.79 34.23 34.93 35.64 36.08 36.78 -
camarilla 33.53 34.04 34.21 34.38 -- 34.72 34.89 35.06 35.57
Past Performance & Moving Averages
Day’s LOW HIGH RANGE SMA PERFORMANCE Nifty
10 DAY 33.50
37.80
35.93 -2.68 % 0.10 %
20 DAY 32.35
37.80
35.26 -0.43 % 2.30 %
50 DAY 28.35
42.65
34.65 -2.40 % 8.53 %
100 DAY 26.30
42.65
32.12 25.18 % 21.59 %
200 DAY 26.30
42.65
32.33 -6.24 % 33.90 %
YTD 33.10
37.80
35.66 4.38 % 2.72 %
52 Week 26.30
69.65
43.81 -43.45 % 18.71 %

Why are moving Averages important in technical Analysis?

An opening range breakout is breaking out of the day's range after a stock has moved for some time in a sideways trend. In technical terms, its a breakout from the support and resistance level in an upward or downward trend.

Gaps On Day Chart
Unfilled Gap Down On 2020-12-16
39.60 ~ 39.70 RESISTANCE
Unfilled Gap Down On 2020-02-28
46.35 ~ 46.80 RESISTANCE
Unfilled Gap Down On 2020-02-24
51.85 ~ 52.05 RESISTANCE
Unfilled Gap Down On 2019-07-08
77.95 ~ 80.85 RESISTANCE
Unfilled Gap Down On 2018-04-11
104.15 ~ 104.25 RESISTANCE
Unfilled Gap Down On 2018-02-27
106.80 ~ 110.15 RESISTANCE
Unfilled Gap Down On 2018-02-21
119.50 ~ 120.55 RESISTANCE
Unfilled Gap Down On 2018-02-15
139.70 ~ 144.65 RESISTANCE
Industry Growth Rate

In Last 1 Year the industry has grown by -26.10 %

In Last 5 Year the industry has grown by 0.00 %

Peer comparison

Sales

COMPANY NAME20152016201720182019
PNB48710.0050804.0048058.0048725.0052147.00
SBIN207974.00220633.00230447.00228970.00253322.00
ICICIBANK54964.0059294.0060940.0062162.0071982.00
HDFCBANK50666.0063162.0073271.0085288.00105161.00
AXISBANK35727.0041409.0045175.0046614.0056044.00
Total 79608.20 87060.40 91578.20 94351.80 107731.20 79608.20

Financial

LAST FISCAL CURRENT GROWTH 10 YEAR CAGR
S.NO. COMPANY NAME MARKET CAP CMP BOOK VALUE EPS STOCK P/E ROE GNPA REVENUE NET PROFIT NPM REVENUE NET PROFIT REVENUE NET PROFIT
1 HDFC Bank Ltd 801329.42 1462.40 272.34
2 ICICI BANK LTD. 348309.70 538.10 167.47
3 KOTAK MAHINDRA BANK LTD. 343159.39 1795.15 224.42 2.16%
4 STATE BANK OF INDIA 250691.96 280.90 247.53
5 AXIS BANK LTD. 185739.66 658.60 236.40
6 INDUSIND BANK LTD. 59024.46 851.25 384.70 2.45%
7 Bandhan Bank Ltd 49836.45 309.45 69.57
8 LAKSHMI VILAS BANK LTD. 26018.79 7.65 56.21
9 BANK OF BARODA 34099.53 73.80 99.43
10 PUNJAB NATIONAL BANK 23063.06 34.20 66.47
11 Dhanlaxmi Bank Limited 25247.98 9.93 30.08
12 IDBI BANK LTD. 28027.97 27.00 36.23
13 AU Small Finance Bank Ltd 26761.18 881.00 65.83
14 BANK OF INDIA 16561.36 50.50 127.20
15 IDFC First Bank Ltd 23065.74 48.10 37.92
16 CANARA BANK 13756.44 133.60 351.16
17 FEDERAL BANK LTD. 14185.92 71.20 66.62 2.82%
18 CITY UNION BANK LTD. 12752.82 173.20 65.79
19 UNION BANK OF INDIA 10405.58 30.40 77.38
20 RBL Bank Ltd 11327.13 222.75 148.46 3.62%
Sales

What is Sales Trend ?

Sales trend is a methodology to understand sales results which helps in understanding the trends of the market over a specific period of time. Sales results are an indicative of the sales patterns followed by the customer over a time period.

Profitability

What is Profit & EPS Trend ?

EPS Trends was initially built in late 2015 when I was just getting into frontend development. Coming from a background in Rails, I was frustrated with how many decisions you had to make early on as a javascript developer.

Net Profit
EPS

What is EBITDA Margin & EBIT Margin ?

Corporate accounting is required to adhere to the standards and practices collectively referred to as the generally accepted accounting principles. EBITDA is an excellent way for corporate accountants to start compiling data, but it should not be considered an absolute result. This is due to the fact that many consider EBITDA more of a broad stroke than a definitive form of accounting practice.

EBITDA Margin
EBIT Margin
NPM
Cash Flow

Why is the Cash Flow Analysis important?

A business needs cash to pay its expenses, to pay bank loans, to pay taxes and to purchase new assets. A cash flow report determines whether a business has enough cash to do exactly this.

Operating Activities
Financing Activities
Investing Activities
Financial Health

What Is Financial Health?

Financial health is a term used to describe the state of one's personal monetary affairs. There are many dimensions to financial health, including the amount of savings you have, how much you’re putting away for retirement, and how much of your income you are spending on fixed or non-discretionary expenses.

Debt to Equity
Piotroski Score
  • 0
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • 9

What Is the Piotroski Score?

The Piotroski score is a discrete score between 0-9 that reflects nine criteria used to determine the strength of a firm's financial position.

Altman Z Score (Mfg Company)
  • Distress (< 1.81)
  • Caution (>1.81 < 2.99)
  • 21.30
    Safe (3 & above)
Altman Z Score (Non-Mfg Company)
  • Distress ( < 1.23)
  • Caution (>1.23 < 2.6)
  • 96.38
    Safe (2.6 & above)
Valuation

What Is Valuation?

Valuation is the analytical process of determining the current (or projected) worth of an asset or a company. There are many techniques used for doing a valuation. An analyst placing a value on a company looks at the business's management, the composition of its capital structure, the prospect of future earnings, and the market value of its assets, among other metrics.

PNB: Future
TRADING SYMBOL OI VOLUME LAST PRICE LOT SIZE EXPIRY DATE
PNB21JANFUT 104224000.00 22800000.00 34.35 16000 2021-01-28
PNB21FEBFUT 84976000.00 5760000.00 34.35 16000 2021-02-25
PNB21MARFUT 6000000.00 48000.00 34.00 16000 2021-03-25
ROLLOVER COST: 0.00% (INR 0.00)
ROLLOVER%:46.61%
What is the significance of Rollover data?

Rollover in an important data point and should be analyzed in the expiry week. Rollover involves carry forwarding of ‘futures’ positions from one series (which is nearing expiry date) to the next one.

Rollover percentage actually indicates whether the traders are willing to carry forward their existing. positions (long or short) to the next series or not. Generally, the rollover figures alone will not indicate which direction traders are betting on. You should also check whether absolute open interest is increasing or decreasing over expiries

What is Options Max Pain Theory?

Options Max Pain Theory suggests,

“On option expiration day, the underlying stock price often moves toward a point that brings maximum loss to option buyers.”

Ratio Analysis

The Bank was incorporated in the year 2004 by Rana Kapoor and Late Ashok Kapur, which is a new age private sector bank. And since the inception of the bank has fructified into a “Full-Service Commercial Bank,” it has steadily built Corporate and Institutional Banking, Financial Markets, Investment Banking, Corporate Finance, Branch Banking, Business and Transaction Banking, and Wealth Management business lines across the whole country.

It is well-equipped to offer a spectrum of products and services to all the corporate and retail customers.

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Bulk Deals
Symbol Name Deal Date Client Name Transcation Type Quantity Price
PNB 2011-01-05 CINNAMON CAPITAL LIMITED S 3121156.00 1330.00
PNB 2011-01-05 LAM LLC A/C CIMCO INC P 3410501.00 1329.93
PNB 2009-03-05 THE CHILDREN INVST FD MAGT UK LLP THE CHILDRENS INVT MASTER FUND S 9096000.00 292.10
PNB 2008-04-11 JPMSL COPTHALL MAURITIUS INVT LTD S 3540123.00 530.00
PNB 2008-04-11 TCI CYPRUS HOLDING LIMITED P 3540123.00 530.00
PNB 2007-03-07 GOLDMAN SACHS INVESTMENT P 2000000.00 505.00
PNB 2005-03-30 SARANGA AGARWAL P 55167.00 393.70
PNB 2005-03-30 ANIL KUMAR AGARWAL S 55167.00 393.70
Block Deals
Symbol Name Deal Date Client Name Transcation Type Quantity Price
PNB 2020-12-30 SOCIETE GENERALE S 14476000.00 33.50
PNB 2020-12-30 SEGANTII INDIA MAURITIUS P 14476000.00 33.50
Dividend history
Ex Date Amount
2015-06-22 3.30
2014-02-11 10.00
2013-06-13 27.00
2012-06-14 22.00
2011-06-16 22.00
2010-07-08 12.00
2010-02-04 10.00
2009-06-04 20.00
2008-05-29 13.00
Bonus Data
Company Name Split Date From Value To Value
Split Data
Company Name Split Date From Value To Value
PUNJAB NATIONAL BANK 2014-12-18 10.00 2.00