{"id":4243,"date":"2024-04-01T04:45:02","date_gmt":"2024-04-01T04:45:02","guid":{"rendered":"https:\/\/wp-api.pocketful.in\/blog\/?p=4243"},"modified":"2025-03-04T05:49:10","modified_gmt":"2025-03-04T05:49:10","slug":"punjab-national-bank-pnb-case-study-overview-financials-and-swot-analysis","status":"publish","type":"post","link":"https:\/\/wp-api.pocketful.in\/blog\/punjab-national-bank-pnb-case-study-overview-financials-and-swot-analysis\/","title":{"rendered":"Punjab National Bank (PNB) Case Study:\u00a0Overview, Financials, and SWOT Analysis"},"content":{"rendered":"\n<p>Do you also consider PSU banks to be safer than private banks? Most of India thinks along these lines, but very few perform extensive research before investing their hard-earned money in them. Therefore, today\u2019s blog will focus on a popular PSU bank, PNB, and understand its KPIs, business segments, and financials.&nbsp;&nbsp;<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/wp-api.pocketful.in\/blog\/punjab-national-bank-pnb-case-study-overview-financials-and-swot-analysis\/#Overview\" title=\"Overview\">Overview<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/wp-api.pocketful.in\/blog\/punjab-national-bank-pnb-case-study-overview-financials-and-swot-analysis\/#Products_and_Services\" title=\"Products and Services\">Products and Services<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/wp-api.pocketful.in\/blog\/punjab-national-bank-pnb-case-study-overview-financials-and-swot-analysis\/#Key_Highlights_of_FY23-24\" title=\"Key Highlights of FY23-24\">Key Highlights of FY23-24<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/wp-api.pocketful.in\/blog\/punjab-national-bank-pnb-case-study-overview-financials-and-swot-analysis\/#Market_Data\" title=\"Market Data\">Market Data<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/wp-api.pocketful.in\/blog\/punjab-national-bank-pnb-case-study-overview-financials-and-swot-analysis\/#Financial_Highlights\" title=\"Financial Highlights\">Financial Highlights<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/wp-api.pocketful.in\/blog\/punjab-national-bank-pnb-case-study-overview-financials-and-swot-analysis\/#Shareholding_Pattern\" title=\"Shareholding Pattern\">Shareholding Pattern<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/wp-api.pocketful.in\/blog\/punjab-national-bank-pnb-case-study-overview-financials-and-swot-analysis\/#Peer_Comparison\" title=\"Peer Comparison\">Peer Comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/wp-api.pocketful.in\/blog\/punjab-national-bank-pnb-case-study-overview-financials-and-swot-analysis\/#SWOT_Analysis\" title=\"SWOT Analysis\">SWOT Analysis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/wp-api.pocketful.in\/blog\/punjab-national-bank-pnb-case-study-overview-financials-and-swot-analysis\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/wp-api.pocketful.in\/blog\/punjab-national-bank-pnb-case-study-overview-financials-and-swot-analysis\/#Frequently_Asked_Questions_FAQs\" title=\"Frequently Asked Questions (FAQs)\">Frequently Asked Questions (FAQs)<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-overview\"><span class=\"ez-toc-section\" id=\"Overview\"><\/span>Overview<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Punjab National Bank was established in New Delhi, India. The company&#8217;s offerings include retail and commercial banking, agricultural and international banking, and other services. Its retail and commercial banking portfolio provides debit and credit cards, corporate cash management,&nbsp; retail loans, deposit services, and trade finance. Its international banking portfolio includes foreign currency accounts, money transfers, letters of guarantee, world travel cards, and solutions for non-resident Indians.<\/p>\n\n\n\n<p>Punjab National Bank also provides merchant banking services, mutual funds, depository services, insurance, and other services through the Internet. The bank is based in India but also operates in the United Kingdom, Bhutan, Myanmar, Bangladesh, Nepal, and the United Arab Emirates.<\/p>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><tbody><tr><td><strong>Company Type<\/strong><\/td><td>Public<\/td><\/tr><tr><td><strong>Industry<\/strong><\/td><td>Banking and Financial services<\/td><\/tr><tr><td><strong>Founded<\/strong><\/td><td>1894<\/td><\/tr><tr><td><strong>Managing Director<\/strong><\/td><td>Atul Kumar Goel<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/03\/Banknote-bro-1.png\" alt=\"PNB deposit\" class=\"wp-image-4111\" style=\"aspect-ratio:4\/3;object-fit:cover;width:408px;height:auto\" srcset=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/03\/Banknote-bro-1-1024x1024.png 1024w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/03\/Banknote-bro-1-300x300.png 300w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/03\/Banknote-bro-1-150x150.png 150w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/03\/Banknote-bro-1-768x768.png 768w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/03\/Banknote-bro-1-1536x1536.png 1536w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/03\/Banknote-bro-1.png 2000w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-awards-and-recognition\">Awards and Recognition<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2016: Innovative Practices in Women&#8217;s Empowerment<\/li>\n\n\n\n<li>2020: Most Innovative Project using Technology for &#8216;PNBOne&#8217;&nbsp;<\/li>\n\n\n\n<li>2023:<strong> <\/strong>Iconic Brands of India by the Economic Times<\/li>\n\n\n\n<li>2023<strong>: <\/strong>Employee Happiness Award<\/li>\n\n\n\n<li>2023: Best CSR\/Social Development Campaign for Rural India by Eggfirst Chalo&nbsp;<\/li>\n\n\n\n<li>2023: CEO of the Year by Great Indian BFSI Awards 2023<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-products-and-services\"><span class=\"ez-toc-section\" id=\"Products_and_Services\"><\/span>Products and Services<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Loans: <\/strong>Punjab National Bank offers various types of loans for retail customers, including students. They offer personal, home, car, and gold loans.&nbsp;<\/li>\n\n\n\n<li><strong>Credit Cards: <\/strong>The bank offers different types of credit cards designed to cater to the needs of its customers across categories such as traveling, dining, shopping, etc.&nbsp;<\/li>\n\n\n\n<li><strong>Debit cards: <\/strong>The bank offers debit cards to allow its customers access to instant and cashless transactions.&nbsp;<\/li>\n\n\n\n<li><strong>Insurance: <\/strong>The bank partners with leading insurance companies to provide a variety of insurance products, including life insurance, health insurance, and travel insurance, to its customers.<\/li>\n\n\n\n<li><strong>Foreign exchange services:<\/strong> It offers foreign exchange services, including currency, remittances, exchange, and travel cards, to its customers who need to transact in foreign currencies.<\/li>\n\n\n\n<li><strong>Digital banking: <\/strong>&nbsp;It provides various digital banking services, including Internet banking, mobile banking, and UPI, to make it easier for its customers to access and manage their accounts and financial transactions.<\/li>\n\n\n\n<li><strong>Investment Product:<\/strong> It provides various investment products, such as mutual funds, government securities, and fixed deposits, to assist its customers in growing their wealth.<\/li>\n\n\n\n<li><strong>Account<\/strong>: The bank provides two different accounts, i.e. Savings and Current Accounts. <\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Saving Account:<\/strong> A basic savings account can be opened by any individual with an initial deposit of Rs 500. It also provides an ATM cum Debit Card and other advantages like free transfer of funds and free Internet banking.<\/li>\n\n\n\n<li><strong>Current Account:<\/strong> This account is suitable for customers who perform frequent banking transactions.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-highlights-of-fy23-24\"><span class=\"ez-toc-section\" id=\"Key_Highlights_of_FY23-24\"><\/span>Key Highlights of FY23-24<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Savings deposits increased to \u20b9 4,78,880 Crore as of December\u201923, from \u20b9 4,51,945 Crore as of December\u201922, registering a growth of 6.0% on a YoY basis.<\/li>\n\n\n\n<li>CASA ratio stands at 42.47% as of December\u201923.<\/li>\n\n\n\n<li>Net Profit for Q3 FY\u201924 was at \u20b9 2,223 Crore, increasing by 253.4% on a YoY basis.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-market-data\"><span class=\"ez-toc-section\" id=\"Market_Data\"><\/span>Market Data<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Let\u2019s have a look at some essential market data of the company:<\/p>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><tbody><tr><td><strong>Market Cap&nbsp;<\/strong><\/td><td>\u20b9 136,977 Cr.&nbsp;<\/td><\/tr><tr><td><strong>TTM P\/E&nbsp;<\/strong><\/td><td>17.95<\/td><\/tr><tr><td><strong>ROCE&nbsp;<\/strong><\/td><td>5.86 %&nbsp;<\/td><\/tr><tr><td><strong>Book Value&nbsp;<\/strong><\/td><td>82.65<\/td><\/tr><tr><td><strong>ROE&nbsp;<\/strong><\/td><td>3.32 %&nbsp;<\/td><\/tr><tr><td><strong>High \/ Low&nbsp;<\/strong><\/td><td>133 \/ 44.4<\/td><\/tr><tr><td><strong>Dividend Yield<\/strong><\/td><td>0.53 %&nbsp;<\/td><\/tr><tr><td><strong>Face Value&nbsp;<\/strong><\/td><td>\u20b9 2.00<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><em>(As of 30th March 2024)<\/em><\/figcaption><\/figure>\n\n\n\n<p><strong>Read Also:<\/strong> <a href=\"https:\/\/www.pocketful.in\/blog\/hero-motocorp-case-study-business-model-and-swot-analysis\/\">Hero MotoCorp Case Study: Business Model and SWOT Analysis<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-financial-highlights\"><span class=\"ez-toc-section\" id=\"Financial_Highlights\"><\/span>Financial Highlights<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-income-statement\">Income Statement<\/h3>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Particulars<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mar-23<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mar-22<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mar-21<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mar-20<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Interest Earned&nbsp;<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">86,845.29<\/td><td class=\"has-text-align-center\" data-align=\"center\">76,241.83<\/td><td class=\"has-text-align-center\" data-align=\"center\">81,935.03<\/td><td class=\"has-text-align-center\" data-align=\"center\">54,918.48<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Other Income&nbsp;<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">12,239.59<\/td><td class=\"has-text-align-center\" data-align=\"center\">12,097.66<\/td><td class=\"has-text-align-center\" data-align=\"center\">12,234.91<\/td><td class=\"has-text-align-center\" data-align=\"center\">9,387.65<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Total Income&nbsp;<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">99,084.88<\/td><td class=\"has-text-align-center\" data-align=\"center\">88,339.49<\/td><td class=\"has-text-align-center\" data-align=\"center\">94,169.94<\/td><td class=\"has-text-align-center\" data-align=\"center\">64,306.13<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Profit Before Tax&nbsp;<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">4,861.42<\/td><td class=\"has-text-align-center\" data-align=\"center\">4,594.46<\/td><td class=\"has-text-align-center\" data-align=\"center\">3,782.35<\/td><td class=\"has-text-align-center\" data-align=\"center\">827.00<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Consolidated Profit&nbsp;<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">3,348.45<\/td><td class=\"has-text-align-center\" data-align=\"center\">3,860.74<\/td><td class=\"has-text-align-center\" data-align=\"center\">2,561.97<\/td><td class=\"has-text-align-center\" data-align=\"center\">438.45<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">(In Crores)<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-cash-flow-statement\">Cash Flow Statement<\/h3>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Particulars<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mar-23<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mar-22<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mar-21<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mar-20<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Cash From Operating Activities&nbsp;<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">22,592.09<\/td><td class=\"has-text-align-center\" data-align=\"center\">20,032.33<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,239.53<\/td><td class=\"has-text-align-center\" data-align=\"center\">-12,793.04<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Cash Flow from Investing Activities&nbsp;<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">-732.47<\/td><td class=\"has-text-align-center\" data-align=\"center\">-1,204.38<\/td><td class=\"has-text-align-center\" data-align=\"center\">-786.84<\/td><td class=\"has-text-align-center\" data-align=\"center\">-338.33<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Cash from Financing Activities&nbsp;<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">1,274.98<\/td><td class=\"has-text-align-center\" data-align=\"center\">2,031.50<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,415.17<\/td><td class=\"has-text-align-center\" data-align=\"center\">13,591.15<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Net Cash Inflow \/ Outflow&nbsp;<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">23,134.60<\/td><td class=\"has-text-align-center\" data-align=\"center\">20,859.45<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,867.86<\/td><td class=\"has-text-align-center\" data-align=\"center\">459.78<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">(In Crores)<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-image aligncenter is-resized\"><img decoding=\"async\" src=\"https:\/\/lh7-us.googleusercontent.com\/DhTQWzH8yZweE3kE4-YZkWtVdgzAobCjnPgezZwaSS-13HCNQ0s_DPdfyrN43JWmSalkDH2OFMeqx1b-igDZMGlTXM4Aw-VwxUnG96SkoexBcOSiumPGcyOXF8mPff_OZG_7Pr--V2--xkyVlZTMOF0\" alt=\"CFS of PNB\" style=\"width:582px;height:auto\" title=\"Chart\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-financial-ratios\">Financial Ratios<\/h3>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Particulars<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mar-23<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mar-22<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mar-21<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mar-20<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Adjusted EPS (\u20b9)&nbsp;<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">3.04<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.51<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.45<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.65<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Cash EPS (\u20b9)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">3.61<\/td><td class=\"has-text-align-center\" data-align=\"center\">4.15<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.99<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.45<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Adjusted Book Value (\u20b9)&nbsp;<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">85.76<\/td><td class=\"has-text-align-center\" data-align=\"center\">82.22<\/td><td class=\"has-text-align-center\" data-align=\"center\">81.44<\/td><td class=\"has-text-align-center\" data-align=\"center\">87.74<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Dividend per Share (\u20b9)&nbsp;<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.65<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.64<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.17<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.05<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Cash Flow per Share (\u20b9)&nbsp;<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">20.52<\/td><td class=\"has-text-align-center\" data-align=\"center\">18.19<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.18<\/td><td class=\"has-text-align-center\" data-align=\"center\">-18.99<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Free Cash Flow per Share (\u20b9)&nbsp;<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">-0.79<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.06<\/td><td class=\"has-text-align-center\" data-align=\"center\">-21.62<\/td><td class=\"has-text-align-center\" data-align=\"center\">-39.80<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-kpis\">KPIs<\/h3>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Particulars<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mar-23<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mar-22<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mar-21<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mar-20<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>NIM (%)&nbsp;<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">2.48<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.34<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.60<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.22<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>ROE (%)&nbsp;<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">3.32<\/td><td class=\"has-text-align-center\" data-align=\"center\">4.18<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.98<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.72<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>ROA (%)&nbsp;<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.22<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.28<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.20<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.04<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image aligncenter is-resized\"><img decoding=\"async\" src=\"https:\/\/lh7-us.googleusercontent.com\/CJDJP1dbQ03-W4t3VNw5HRk4cd8g2V3M2QDTo0ptRiR6DieTSf5xtLevi4P7MWIxjk8W8bi3W-SWqgO4hMHkr0EeDenphlPGGP2tR91PqZd54eQCia9WL_dmLnjX_20Q6MvblWLqeUFcyyxXo57T-Ek\" alt=\"KPIs of PNB\" style=\"width:573px;height:auto\" title=\"Chart\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-shareholding-pattern\"><span class=\"ez-toc-section\" id=\"Shareholding_Pattern\"><\/span>Shareholding Pattern<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Particulars<\/th><th class=\"has-text-align-center\" data-align=\"center\">Dec-23<\/th><th class=\"has-text-align-center\" data-align=\"center\">Sep-23<\/th><th class=\"has-text-align-center\" data-align=\"center\">Jun-23<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mar-23<\/th><th class=\"has-text-align-center\" data-align=\"center\">Dec-22<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Indian Promoter<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">73.15<\/td><td class=\"has-text-align-center\" data-align=\"center\">73.15<\/td><td class=\"has-text-align-center\" data-align=\"center\">73.15<\/td><td class=\"has-text-align-center\" data-align=\"center\">73.15<\/td><td class=\"has-text-align-center\" data-align=\"center\">73.15<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>DIIs<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">13.74<\/td><td class=\"has-text-align-center\" data-align=\"center\">13.80<\/td><td class=\"has-text-align-center\" data-align=\"center\">13.45<\/td><td class=\"has-text-align-center\" data-align=\"center\">13.52<\/td><td class=\"has-text-align-center\" data-align=\"center\">12.98<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>FIIs<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">3.10<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.65<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.82<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.71<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.71<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Others<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">10.01<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.40<\/td><td class=\"has-text-align-center\" data-align=\"center\">11.58<\/td><td class=\"has-text-align-center\" data-align=\"center\">11.62<\/td><td class=\"has-text-align-center\" data-align=\"center\">12.16<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">(In %)<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-image aligncenter is-resized\"><img decoding=\"async\" src=\"https:\/\/lh7-us.googleusercontent.com\/rklovB0ouezoEmFDlSDOaNSi9uxk-6RNzrquzgil4deUUxjUl4giKkxaarVzW0eOYRR3rMD2BZ7gMTPEZA9cIo-P_L4vsif_cHAXo6rAgpqG5faaGrdJNBS3Pp20NcQ6a8I-YRxCChPGMPMjgYFaNeI\" alt=\"Shareholding Pattern of PNB\" style=\"width:595px;height:auto\" title=\"Chart\" \/><\/figure>\n\n\n\n<p>The graph indicates a stagnancy in the shareholding pattern. This shows the trust of institutional investors.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-peer-comparison\"><span class=\"ez-toc-section\" id=\"Peer_Comparison\"><\/span>Peer Comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Particulars<\/th><th class=\"has-text-align-center\" data-align=\"center\">Punjab National Bank<\/th><th class=\"has-text-align-center\" data-align=\"center\">HDFC Bank<\/th><th class=\"has-text-align-center\" data-align=\"center\">ICICI Bank<\/th><th class=\"has-text-align-center\" data-align=\"center\">State Bank Of India<\/th><th class=\"has-text-align-center\" data-align=\"center\">Kotak Mahindra Bank<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Market cap (\u20b9 Cr)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">1,36,922<\/td><td class=\"has-text-align-center\" data-align=\"center\">11,00,185<\/td><td class=\"has-text-align-center\" data-align=\"center\">7,69,544<\/td><td class=\"has-text-align-center\" data-align=\"center\">6,71,666<\/td><td class=\"has-text-align-center\" data-align=\"center\">3,55,003<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Interest Income (\u20b9 Cr)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">1,04,688<\/td><td class=\"has-text-align-center\" data-align=\"center\">2,51,764<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,51,348<\/td><td class=\"has-text-align-center\" data-align=\"center\">4,19,802<\/td><td class=\"has-text-align-center\" data-align=\"center\">53,062<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Net Interest Income (\u20b9 Cr)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">39,669.81<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,18,710.68<\/td><td class=\"has-text-align-center\" data-align=\"center\">83,184.21<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,77,258.81<\/td><td class=\"has-text-align-center\" data-align=\"center\">32,477.35<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>RoA (%)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.47<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.09<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.10<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.06<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.79<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Price to Earnings<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">17.80<\/td><td class=\"has-text-align-center\" data-align=\"center\">18.46<\/td><td class=\"has-text-align-center\" data-align=\"center\">17.98<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.37<\/td><td class=\"has-text-align-center\" data-align=\"center\">20.15<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Price-To-Book<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">1.36<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.49<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.19<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.75<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.82<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-swot-analysis\"><span class=\"ez-toc-section\" id=\"SWOT_Analysis\"><\/span>SWOT Analysis<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Swot-analysis-rafiki-1.png\" alt=\"SWOT Analysis of PNB\" class=\"wp-image-3646\" style=\"aspect-ratio:4\/3;object-fit:cover;width:486px;height:auto\" srcset=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Swot-analysis-rafiki-1-1024x1024.png 1024w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Swot-analysis-rafiki-1-300x300.png 300w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Swot-analysis-rafiki-1-150x150.png 150w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Swot-analysis-rafiki-1-768x768.png 768w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Swot-analysis-rafiki-1-1536x1536.png 1536w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Swot-analysis-rafiki-1.png 2000w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-strengths\">Strengths<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It offers a wide range of banking services, catering to both urban and rural customers and international clients. The bank serves a diverse customer base and effectively meets their banking needs and requirements.<\/li>\n\n\n\n<li>The bank has a long history<strong> <\/strong>of providing services of utmost quality<strong>.\u00a0<\/strong><\/li>\n\n\n\n<li>The bank has created<strong> <\/strong>a positive reputation that distinguishes it from its competitors.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-weaknesses\">Weaknesses<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Punjab National Bank exists in a highly competitive environment, with numerous players vying for market share.\u00a0<\/li>\n\n\n\n<li>The bank must invest in advanced technological infrastructure and offer convenient and secure online banking services to meet changing customer requirements and expectations.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-opportunities\">Opportunities<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Punjab National Bank must display an increase in net profit margin and favorable NIM (Net Interest Margin).<\/li>\n\n\n\n<li>The bank should continuously monitor and evaluate its performance against established benchmarks and adjust its strategies as needed.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-threats\">Threats<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>In 2018, Punjab National Bank suffered from controversies such as the Nirav Modi scam, where fraudulent transactions worth $2 billion were conducted through PNB\u2019s Mumbai branch without detection for a long time, tarnishing the bank\u2019s reputation significantly.<\/li>\n\n\n\n<li>New entrants can give tough competition to the Punjab National Bank. It can impact the bank\u2019s profitability and financial stability.<\/li>\n<\/ul>\n\n\n\n<p><strong>Read Also: <\/strong><a href=\"https:\/\/www.pocketful.in\/blog\/lic-case-study-business-model-and-swot-analysis\/\">LIC Case Study: Business Model and SWOT Analysis<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Punjab National Bank is a public sector undertaking in India that offers a wide range of banking and financial services. It has a strong presence in various segments, including retail and commercial banking, international banking, and digital banking. The bank has experienced growth in its financial metrics and is expected to continue growing. Overall, Punjab National Bank is a reputable institution with a diverse customer base and a positive outlook.<\/p>\n\n\n\n<p>However, it is advised that you perform your own analysis before investing your hard-earned money.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">S.NO.<\/th><th class=\"has-text-align-left\" data-align=\"left\">Check Out These Interesting Posts You Might Enjoy!<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">1<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/wp-api.pocketful.in\/blog\/gopal-snacks-ipo-segments-financials-key-details-strengths-and-weaknesses\/\" target=\"_blank\" rel=\"noreferrer noopener\">Gopal Snacks IPO: Segments, Financials, Key Details, Strengths, and Weaknesses<\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">2<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/wp-api.pocketful.in\/blog\/jg-chemicals-ipo-overview-key-details-financials-kpis-strengths-and-weaknesses\/\" target=\"_blank\" rel=\"noreferrer noopener\">JG Chemicals IPO: Overview, Key Details, Financials, KPIs, Strengths, and Weaknesses<\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">3<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/wp-api.pocketful.in\/blog\/rk-swamy-ipo-business-model-key-details-financials-kpis-strengths-and-weaknesses\/\" target=\"_blank\" rel=\"noreferrer noopener\">RK Swamy IPO: Business Model, Key Details, Financials, KPIs, Strengths, and Weaknesses<\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">4<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/wp-api.pocketful.in\/blog\/krystal-integrated-services-ipo-business-model-and-swot-analysis\/\" target=\"_blank\" rel=\"noreferrer noopener\">Krystal Integrated Services: IPO, Business Model and SWOT Analysis<\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">5<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/wp-api.pocketful.in\/blog\/popular-vehicle-and-services-ipo-key-details-financials-strengths-and-weaknesses\/\" target=\"_blank\" rel=\"noreferrer noopener\">Popular Vehicle and Services IPO: Key Details, Financials, Strengths, and Weaknesses<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-faqs\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQs\"><\/span>Frequently Asked Questions (FAQs)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"saswp-faq-block-section\"><ol style=\"list-style-type:none\"><li style=\"list-style-type: none\"><h3 class=\"\"><strong>Is PNB a private or government bank?<\/strong><\/h3><p class=\"saswp-faq-answer-text\">Punjab National Bank is a government entity public sector bank.<\/p><li style=\"list-style-type: none\"><h3 class=\"\"><strong>Who established the Punjab National Bank?<\/strong><\/h3><p class=\"saswp-faq-answer-text\">Punjab National Bank is an Indian Public sector bank, established on 19th May 1894 by Sardar Dyal Singh Majithia.<\/p><li style=\"list-style-type: none\"><h3 class=\"\"><strong>What is the book value of Punjab National Bank?<\/strong><\/h3><p class=\"saswp-faq-answer-text\">As of 25th March 2024, the per share book value of PNB is \u20b9 82.65.<\/p><li style=\"list-style-type: none\"><h3 class=\"\"><strong>Who is the CEO of PNB?<\/strong><\/h3><p class=\"saswp-faq-answer-text\">Atul Kumar Goel is the current Managing Director and Chief Executive Officer of Punjab National Bank.<\/p><li style=\"list-style-type: none\"><h3 class=\"\"><strong>Which banks merged with PNB in 2020?<\/strong><\/h3><p class=\"saswp-faq-answer-text\">The Oriental Bank of Commerce and the United Bank of India (UBI) merged with PNB in 2020.<\/p><\/ul><\/div>","protected":false},"excerpt":{"rendered":"<p>Do you also consider PSU banks to be safer than private banks? Most of India thinks along these lines, but very few perform extensive research before investing their hard-earned money in them. Therefore, today\u2019s blog will focus on a popular PSU bank, PNB, and understand its KPIs, business segments, and financials.&nbsp;&nbsp; Overview Punjab National Bank [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":4247,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"is_paper_insight":false,"paper_insight_image":0,"paper_insight_pdf":0,"paper_insight_ppt":0,"footnotes":""},"categories":[17],"tags":[],"class_list":["post-4243","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-study"],"acf":{"freelancer":"Aishwarya Yadav"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.13 (Yoast SEO v21.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Punjab National Bank Case Study | Swot Analysis of Punjab National Bank<\/title>\n<meta name=\"description\" content=\"Gain 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