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PNB Valuation

This document contains financial information for a bank over several years, including income statement and balance sheet data. It shows trends in advances, deposits, investments, interest earned, expenses and profits. Key metrics like deposit to advance ratio, investment to deposit ratio, and interest rates are also included. The bank has seen declining profits in recent years.

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mpsingh2200
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106 views6 pages

PNB Valuation

This document contains financial information for a bank over several years, including income statement and balance sheet data. It shows trends in advances, deposits, investments, interest earned, expenses and profits. Key metrics like deposit to advance ratio, investment to deposit ratio, and interest rates are also included. The bank has seen declining profits in recent years.

Uploaded by

mpsingh2200
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as XLSX, PDF, TXT or read online on Scribd
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MAR '15 MAR '16 MAR '17

ADVANCES 380534.40 412325.80 419493.15


Deposits 501378.64 553051.13 621704.02
Investments 151282.36 157845.89 186725.44

INTEREST EARNED
(a) Int. /Disc. on Adv/Bills 34794.38 34445.54 32958.82
(b) Income on Investment 10599.99 12033.65 12577.17
(c) Int. on balances With RBI 632.25 730.50 1354.20
(d) Others 288.74 214.66 385.80
Other Income 5890.73 6877.02 8951.37
TOTAL INCOME 52206.09 54301.37 56227.36

EXPENDITURE
Interest Expended 29759.79 32112.57 32282.82
Employees Cost 7336.91 6425.95 5420.72
Other Expenses 3154.64 3546.51 3958.67
Depreciation
TOTAL EXPENSES 40251.34 42085.03 41662.21

Operating Profit before Provisions and contingencies 11954.75 12216.34 14565.15


Provisions And Contingencies 7997.50 17954.23 12553.62
P/L Before Tax 3957.25 -5737.89 2011.53
Tax 895.67 -1763.49 686.73
P/L After Tax from Ordinary Activities 3061.58 -3974.40 1324.80
Prior Year Adjustments
Extra Ordinary Items
Net Profit/(Loss) For the Period 3061.58 -3974.40 1324.80
No. of shares
EPS

KEY RATIOS Column1


Deposit/Advances 1.45547451
EXPECTED GROWTH 0.04067113 Calculated using CAGR formula
Investment/Deposit Ratio 0.29899291
Interest on investment 0.06978724
Other income/advances 0.01588336
Interest expenses/deposits 0.05052133
Employee/total income 0.11864777
Other exp/total income 0.07796034
Provision/advance 0.06101742
MAR '18 MAR '19 MAR '20 MAR '21 MAR '22
433734.72 464474.05 4% 483364.73 503023.72 523482.27
642226.19 676030.14 703525.05 732138.21 761915.10
200305.98 202128.22 210349.00 218904.13 227807.21

31833.08 35086.21 8% 36513.21 37998.24 39543.67


13946.98 14105.97 14679.68 15276.71 15898.04
2001.42 1891.39 1891.39 1891.39 1891.39
214.28 226.68 226.68 226.68 226.68
8880.87 7377.41 7677.46 7989.71 8314.66
56876.63 58687.66 60988.41 63382.73 65874.44

33073.36 34153.94 35543.02 36988.59 38492.96


9168.80 6963.16 7236.14 7520.22 7815.85
4340.28 4575.31 4754.68

46582.44 45692.41 47533.84 44508.81 46308.82

10294.19 12995.25 13454.57 18873.92 19565.62


29869.28 28341.01 29493.67 30693.21 31941.54
-19575.09 -15345.76 -16039.10 -11819.29 -12375.92
-7292.27 -5370.27 30% 0.00 0.00 0.00
-12282.82 -9975.49 -16039.10 -11819.29 -12375.92

-12282.82 -9975.49 -16039.10 -11819.29 -12375.92


4604047028 4604047028 4604047028 4604047028
-21.67 -34.84 -25.67 -26.88

g CAGR formula
MAR '23 MAR '24
544772.88 566929.41
792903.04 825151.31
237072.39 246714.39

41151.96 42825.65
16544.63 17217.52
1891.39 1891.39
226.68 226.68
8652.83 9004.75
68467.48 71165.98

40058.51 41687.74
8123.51 8443.69

48182.03 50131.42

20285.45 21034.56
33240.64 34592.57
-12955.19 -13558.01
0.00 0.00
-12955.19 -13558.01

-12955.19 -13558.01
4604047028 4604047028
-28.14 -29.45
Company name Interest IncomeNet Profit (latest) Market Cap Price of common equity
Bank of Baroda 49974.11 -12355.15 26175.51 47.7
Bank of India 40767.81 -16019.5 11076 33.38
Canara Bank 46810.34 -12571.26 10147.8 102.75
IDBI Bank 22071.24 -41995.58 22110.67 22.6
Union Bank 34066.66 -14395.34 14765.02 30.45
Industry average
25%ile
Median
75%ile

Sales (in Rs. Cr) 51310.25


No. of shares 4604047028
Sales per share 111.445972832
Multiples
Book Value P/B P/S
100.28 0.47566812924 0.52378141402
128.77 0.25922186845 0.27168493966
291.25 0.35278969957 0.21678543672
32.3 0.69969040248 1.00178648776
54.25 0.56129032258 0.4334155447
0.47 0.49
0.31 0.24
0.48 0.43
0.63 0.76
Book Value of PNB
61.79 Based on
Industry average 29.02 54.55
25%ile 18.91 27.22
Median 29.39 48.30
75%ile 38.96 85.01
s

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