Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
7.20%
Net Profit Growth (5y)
49.57%
Advance to Deposit
68.49%
Capital Adequacy Ratio (Tier 1)
13.62%
Gross NPA (latest)
2.78%
Gross NPA (avg)
6.11%
Coverage Ratio (avg)
81.94%
Cost to Income (avg)
52.54%
Net Interest Margin (avg)
2.64%
Operating Profit to Assets (avg)
3.44%
ROA (avg)
0.59%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Price to Book Value
0.88
PEG Ratio
0.18
Dividend Yield
2.64%
ROE (Latest)
13.79%
ROA (Latest)
1.03%
Net NPA to Book Value
2.31
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend20What is working for the Company
GROSS NPA(Q)
Lowest at 2.78%
PAT(Q)
Highest at Rs 5,253.29 cr.
NET NPA(Q)
Lowest at 0.28%
NII(Q)
Highest at Rs 10,798.36 cr
INTEREST EARNED(Q)
Highest at Rs 32,897.26 cr
PBT LESS OI(Q)
At Rs 2,644.54 cr has Grown at 33.0% (vs previous 4Q average
EPS(Q)
Highest at Rs 4.57
-5What is not working for the Company
NON-OPERATING INCOME(Q)
is 62.10 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Punjab Natl.Bank
Gross NPA - Quarterly
Lowest at 2.78% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Profit After Tax (PAT) - Quarterly
Highest at Rs 5,253.29 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net NPA - Quarterly
Lowest at 0.28% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 10,798.36 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 32,897.26 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 2,644.54 cr has Grown at 33.0% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 1,988.93 CrMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 5,253.29 cr has Grown at 24.3% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 4,226.00 CrMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 4.57
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
CAR - Quarterly
Highest at 18.13%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Punjab Natl.Bank
Non Operating Income - Quarterly
is 62.10 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
