PNB - Punjab National Bank Share Price

Banks

₹102.17+2.88(+2.90%)

Market Closed as of Apr 28, 2025, 15:30 IST

What does Punjab National Bank do?

Public Sector Bank•Financial Services•Large Cap

Punjab National Bank is a prominent Public Sector Bank in India, trading under the stock ticker PNB. With a substantial market capitalization of Rs. 104,780.8 Crores, this financial institution offers a diverse range of banking and financial products and services.

The bank operates through several segments, including:

Treasury
Corporate/Wholesale Banking
Retail Banking
Other Banking Operations

In terms of personal banking, Punjab National Bank provides a variety of services such as:

Saving fund accounts
Current accounts
Fixed deposits
Capital gain accounts
Gold monetization schemes
A wide array of loans, including housing, vehicle, education, personal, gold, mortgage, and more.

Additionally, the bank supports micro, small, and medium enterprises with tailored schemes and loans. It also caters to government customers and offers agricultural financing. In the corporate banking domain, services include loans against future lease rentals, working capital financing, term loans, EXIM finance, and cash management services.

Internationally, Punjab National Bank has a presence with a branch in Dubai and representative offices in Bangladesh and Myanmar. The bank provides various digital banking options, including mobile and internet banking, SMS banking, and electronic cheque deposit machines, along with payment acceptance solutions like point of sale (PoS) systems.

Founded in 1895 and headquartered in New Delhi, Punjab National Bank reported a trailing 12 months revenue of Rs. 136,134.3 Crores and generated profits amounting to Rs. 15,897.6 Crores over the past four quarters. With a revenue growth of 52.2% in the last three years, the bank distributes dividends to its investors, currently offering a yield of 2.11% per year, having returned Rs. 2.15 per share over the last year. However, it has diluted shareholder holdings by 4.4% in this period.

Overall, Punjab National Bank remains a profitable and expanding entity in the Indian banking landscape.

Industry Group:Banks

Employees:102,349

Website:www.pnbindia.in

Summary of Latest Earnings Report from Punjab National Bank

Summary of Punjab National Bank's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.

Earnings Outlook

Last updated: Feb 25

Outlook and Major Points from Management:

Business Growth & Profitability:

Growth Targets: Aiming for 13-14% credit growth in FY25, driven by corporate sanctions (Rs.1.3 trillion pipeline) and RAM (retail, agriculture, MSME) focus. Deposits targeted to grow ~15% YoY.
Margins (NIM): Guided 2.9-3% NIM for FY25. Plans to reprice low-yield corporate loans and optimize deposit costs to offset rate cut impacts.

Asset Quality & Recovery:

NPA Reduction: GNPA improved to 4.09% (from 6.24% YoY); PCR at 96.77%.
Recovery Focus: Targeting Rs.18,000 crore recovery in FY25, with Rs.5,000-6,000 crore expected in Q4. Technical Write-Off (TWO) book of Rs.91,000 crore offers long-term recovery potential.

Digital Transformation:

Initiatives: Mobile app usage (13 lakh daily users), digital MSME loans (up to Rs.25 lakh), and AI-driven lead management. Digital transactions now at 91% (vs. 88% YoY).

Capital & Liquidity:

Adequacy: CAR at 15.41%, with plans to maintain growth without immediate capital raising.
Treasury Outlook: Positive impact expected from RBI's OMOs and rate cuts, aiding liquidity and treasury gains.

FY26 Considerations:

Credit Cost: Likely to remain low (PCR ~97%), with recoveries exceeding slippages.
ROA/ROE: Aiming to sustain ROA near 1% and ROE ~19% via operational efficiency.
Tax Rate: Planning to shift to 25% corporate tax regime in FY26 for higher profitability.

Key Risks: Rate cuts may pressure margins, but growth and recovery traction are expected to offset impacts. Focus remains on balancing growth, asset quality, and profitability.

Q&A Session

Last updated: Feb 25

Question 1:
"Under the new CEO, will PNB's growth strategy change, and how will short-term financials be impacted? What is the outlook for NIM in Q4 and steady-state credit cost for FY26?"
Answer: The strategy remains consistent, focusing on growth and profitability. NIM (2.9-3%) is maintained via corporate loan repricing and digital initiatives. Credit costs stay low due to high PCR (96.77%) and recoveries exceeding slippages, a trend expected to continue.

Question 2:
"Can PNB sustain its business growth tempo, explain the drop in other income, and update on digital transformation?"
Answer: Credit growth (13-14% YoY) will continue via corporate sanctions and RAM sector focus. Lower other income stems from muted recovery in technical write-offs (TWO) and MTM losses. Digital adoption includes cash-flow-based MSME loans (up to Rs.25L) and mobile app transactions (91% digital share).

Question 3:
"Does other interest income include one-offs? Provide SMA details, floating provisions, NIM trajectory, and FY26 ROA outlook."
Answer: Rs.350Cr IT refund contributed to other income. SMA-1+SMA-2 totals 4% of loans. Floating provisions (Rs.750Cr) follow board policy. NIM stability relies on repricing and treasury gains. ROA (1%) guidance for FY25; FY26 depends on rate cuts and growth.

Question 4:
"How did PNB keep deposit costs flat despite high growth? Explain T-bill-linked loan share rise and AS15 provisions."
Answer: Retail term deposits (7.25% scheme) and CASA growth (38.12%) stabilized costs. T-bill-linked loans rose via short-term liquidity deployment. AS15 provisions adjusted for yield dips, with Rs.1,400Cr/quarter expected for FY25.

Question 5:
"Will FY25 recovery target (Rs.18,000Cr) be met given Q3 shortfall?"
Answer: Q4 recovery is projected at Rs.5,000-6,000Cr, including TWO recoveries (Rs.1,500-1,600Cr) and resolutions in NCLT/NARCL accounts.

Question 6:
"Will PNB migrate to 25% tax rate in FY26? Can NIM sustain amid rate cuts?"
Answer: Tax rate migration is planned for FY26. NIM (2.9-3%) guidance holds for FY25; FY26 resilience hinges on deposit repricing and growth offsetting cuts.

Question 7:
"How will PNB improve CASA growth and manage operating costs?"
Answer: CASA growth leverages segment-specific products and regional presence. Operating costs focus on non-interest income (cash management, supply chain financing).

Question 8:
"What provisions exist for non-NPA books, and what's the TWO recovery outlook?"
Answer: Standard accounts follow RBI-mandated provisioning (0.4%). TWO recovery (Rs.91,000Cr book) continues via NCLT/NARCL resolutions, with Rs.1,500Cr+ quarterly targets.

Question 9:
"How will rate cuts impact margins, and what's FY26 growth guidance?"
Answer: Minimal near-term margin impact; growth (12-13% FY25) offsets cuts. FY26 guidance post-March board strategy meet.

Question 10:
"Explain Q3 provision write-backs and future visibility."
Answer: Write-backs include NPA recoveries, restructured account reversals (Rs.447Cr), and NPI adjustments (Rs.190Cr). Similar write-backs (Rs.300-400Cr) expected in Q4.

The Good, Bad and Ugly

Growth

Profitability

Size

Dilution Rank

Balance Sheet

Momentum

Technicals

Smart Money

Insider Trading

Category	PNB	Banks
PE	7.18	8.25
PS	0.84	1.02
Growth	15.8 %	9.5 %

Shareholder Name	Holding %
Government of India (Through President of India)	70.08%
Life Insurance Corporation of India	9.15%
SBI Contra Fund	1.72%

Investor Care
Dividend Yield	2.11%
Dividend/Share (TTM)	2.15
Shares Dilution (1Y)	4.38%
Diluted EPS (TTM)	15.1

Financial Health
Debt/Equity	0.00
Debt/Cashflow	0.00

Description	Share	Value
Corporate/Wholesale Banking	41.9%	14.8 kCr
Treasury Operations	28.2%	9.9 kCr
Retail Banking	27.2%	9.6 kCr
Other Banking Operations	2.7%	949.5 Cr
Total		35.3 kCr

Valuation
Market Cap	1.17 LCr
Price/Earnings (Trailing)	7.39
Price/Sales (Trailing)	0.86
EV/EBITDA	1.15
Price/Free Cashflow	-4.14
MarketCap/EBT	4.8

Fundamentals
Revenue (TTM)	1.36 LCr
Rev. Growth (Yr)	15.59%
Rev. Growth (Qtr)	0.50%
Earnings (TTM)	15.9 kCr
Earnings Growth (Yr)	106.36%
Earnings Growth (Qtr)	4.89%

Profitability
Operating Margin	19.7%
EBT Margin	17.98%
Return on Equity	0.92%
Return on Assets	0.00%
Free Cashflow Yield	-24.17%

Cash Flow for Punjab National Bank

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022
Profit Before Extraord. Items And Tax	207.7%	13,194	4,288	4,316
Depreciation	-95.3%	153	3,253	1,472
Dividend income	-61.4%	33	84	0
Total adjustments to profit/loss	188.1%	16,076	5,581	19,711
Change in inventories	10.8%	-22,810.5	-25,575.8	20,278
Change in trade receivables	1.3%	-115,941.62	-117,522.17	-68,130.03
Change in trade payables	-808%	-7,963.88	1,126	40,277
Adjustments for Provisions	-78.1%	3,960	18,067	0
Total adj. for working capital	-523%	-55,340.32	13,083	-2,113.52
Net Cashflows From Operations	-213.6%	-26,069.98	22,952	21,914
Income taxes paid (refund)	55.8%	1,825	1,172	1,550
Net Cashflows From Operating Activities	-228.1%	-27,894.59	21,780	20,364
Purchase of tangible assets	113.1%	1,137	534	534
Dividends received	-61.4%	33	84	46
Net Cashflows From Investing Activities	-125.4%	-1,539.34	-682.24	-1,107.35
Proceeds from issuing shares	-	0	0	1,793
Proceeds from issuing debt etc	58.4%	7,102	4,484	2,450
Dividends paid	1.6%	716	705	0
Interest paid	22.5%	2,957	2,415	2,202
Net Cashflows From Financing Activities	151.6%	3,430	1,364	2,041
Net change in cash and cash eq.	-215.8%	-26,004.22	22,462	21,297

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022
Profit Before Extraord. Items And Tax	174.3%	13,332	4,861	4,595
Depreciation	-94.4%	163	2,872	896
Impairment loss / reversal	-	0	0	805
Total adjustments to profit/loss	-33.5%	15,450	23,224	19,938
Change in inventories	6.3%	-27,599.32	-29,448.23	15,205
Change in trade receivables	1.6%	-116,625.46	-118,492.65	-68,538.09
Change in trade payables	-103.4%	-4,665	136,113	45,137
Adjustments for Provisions	4548.4%	4,324	94	0
Total adj. for working capital	-1196.5%	-55,624.92	-4,289.41	-2,970.71
Net Cashflows From Operations	-212.8%	-26,843	23,796	21,561
Income taxes paid (refund)	55.8%	1,875	1,204	1,629
Other inflows/outflows of cash	-	778	0	0
Net Cashflows From Operating Activities	-223.7%	-27,939.44	22,592	19,932
Purchase of tangible assets	107.4%	1,144	552	536
Net Cashflows From Investing Activities	-105.5%	-1,506.42	-732.47	-1,104.37
Proceeds from issuing shares	-	0	0	1,793
Proceeds from issuing debt etc	59.2%	7,102	4,462	2,454
Dividends paid	1.6%	716	705	0
Interest paid	20.3%	2,970	2,468	2,202
Other inflows (outflows) of cash	762.7%	101	-14.09	-13.32
Net Cashflows From Financing Activities	176.1%	3,518	1,275	2,032
Net change in cash and cash eq.	-212.1%	-25,928.29	23,135	20,859

Income Statement for Punjab National Bank

Standalone figures (in Rs. Crores) / View Consolidated Data

QuarterlyAnnual

Description	(%) Q/Q	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Interest or discount on advances or bills	5%	22,240	21,184	20,452	20,114	19,605	18,464
Revenue on investments	0.3%	7,741	7,716	7,232	6,963	7,011	7,095
Interest on balances with RBI and others	3.9%	837	806	693	778	579	702
Other interest	212%	522	168	180	259	92	93
Total interest earned	4.9%	31,340	29,875	28,556	28,113	27,288	26,355
Other income	-25.4%	3,412	4,572	3,610	4,248	2,674	3,028
Total income	0.9%	34,752	34,447	32,166	32,361	29,962	29,383
Total expenditure	1.9%	28,131	27,594	25,585	25,945	23,631	23,167
Interest expended	4.9%	20,308	19,358	18,080	17,750	16,995	16,432
Employees cost	-8.5%	5,264	5,750	4,551	5,630	4,169	4,200
Other operating expenses	3%	2,560	2,485	2,954	2,565	2,467	2,535
Operating expenses	-5%	7,824	8,235	7,505	8,195	6,636	6,735
Operating profit	-3.4%	6,621	6,853	6,581	6,416	6,331	6,216
Provisions other than tax and contingencies	-199.8%	-285.4	288	1,312	1,588	2,739	3,444
Profit before tax	5.2%	6,906	6,565	5,269	4,828	3,592	2,772
Tax expense	6%	2,398	2,262	2,017	1,817	1,369	1,016
Profit after tax	4.8%	4,508	4,303	3,252	3,010	2,223	1,756
Net profit (loss) for the period	4.8%	4,508	4,303	3,252	3,010	2,223	1,756
Reserve excluding revaluation reserves	-	-	-	-	95,969	-	-
CET 1 ratio	-1.1%	0.1065	0.1159	0.1095	0.1104	0.0986	0.1023
Additional tier 1 ratio	-0.2%	0.0188	0.0204	0.0209	0.0213	0.0187	0.0179
Gross non performing assets	-4.6%	45,414	47,582	51,263	563,431	60,371	65,563
Non performing assets	-5.1%	4,437	4,674	5,930	6,799	8,816	13,114
Return on assets	-	0	0	082	077	058	046

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020	Mar-2019
Interest or discount on advances or bills	32.5%	75,939	57,319	48,498	53,351	35,815	35,086
Revenue on investments	10%	27,645	25,143	23,487	24,566	15,333	14,106
Interest on balances with RBI and others	47.1%	2,779	1,890	2,286	1,899	2,510	1,891
Other interest	-32%	539	792	609	934	142	227
Total interest earned	25.6%	106,902	85,144	74,880	80,750	53,800	51,310
Other income	10.2%	13,384	12,143	12,320	12,812	9,274	7,377
Total income	23.6%	120,285	97,287	87,199	93,562	63,074	58,688
Total expenditure	27.6%	95,354	74,758	66,438	70,582	48,336	45,692
Interest expended	31.9%	66,819	50,652	46,185	50,273	36,362	34,154
Employees cost	24.8%	18,486	14,810	11,841	12,176	6,962	6,963
Other operating expenses	8.1%	10,049	9,295	8,412	8,133	5,012	4,575
Operating expenses	18.4%	28,536	24,105	20,253	20,309	11,973	11,538
Operating profit	10.7%	24,931	22,529	20,762	22,980	14,739	12,995
Provisions other than tax and contingencies	-35.7%	11,737	18,240	16,445	19,501	14,000	28,341
Profit before tax	207.7%	13,194	4,288	4,316	3,479	739	-15,345.77
Tax expense	178%	4,950	1,781	859	1,458	403	-5,370.28
Profit after tax	229%	8,245	2,507	3,457	2,022	336	-9,975.49
Net profit (loss) for the period	229%	8,245	2,507	3,457	2,022	336	-9,975.49
CET 1 ratio	-0.2%	0.1104	0.1122	0.1056	0.1061	0.1069	0.0621
Additional tier 1 ratio	0.7%	0.0213	0.0147	0.0117	088	0.0121	0.0129
Gross non performing assets	-27.1%	56,343	77,328	92,448	104,423	73,479	78,473
Non performing assets	-69.9%	6,799	22,585	34,909	38,576	27,219	30,038
Return on assets	0.4%	054	018	026	015	004	-0.0125

Consolidated figures (in Rs. Crores) / View Standalone Data

QuarterlyAnnual

Description	(%) Q/Q	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Interest or discount on advances or bills	4.9%	22,403	21,357	20,605	20,257	19,749	18,622
Revenue on investments	0.1%	8,116	8,105	7,654	7,378	7,414	7,431
Interest on balances with RBI and others	4.4%	853	817	705	789	596	712
Other interest	212%	522	168	180	259	93	93
Total interest earned	4.8%	31,895	30,447	29,145	28,682	27,852	26,858
Other income	-27.3%	3,392	4,664	3,615	4,294	2,676	2,999
Total income	0.5%	35,286	35,111	32,760	32,976	30,527	29,857
Total expenditure	1.9%	28,635	28,103	26,106	26,477	24,149	23,618
Interest expended	4.8%	20,738	19,790	18,536	18,206	17,444	16,820
Employees cost	-8.4%	5,312	5,798	4,593	5,672	4,206	4,241
Other operating expenses	2.8%	2,585	2,514	2,977	2,599	2,499	2,558
Operating expenses	-5%	7,897	8,312	7,570	8,271	6,705	6,798
Operating profit	-5.1%	6,652	7,009	6,654	6,500	6,378	6,239
Provisions other than tax and contingencies	-245%	-403.42	280	903	1,560	2,744	3,461
Profit before tax	4.8%	7,055	6,729	5,751	4,940	3,634	2,778
Tax expense	4.7%	2,406	2,297	2,035	1,839	1,382	1,014
Profit after tax	4.9%	4,649	4,432	3,716	3,101	2,253	1,765
Net profit (loss) for the period	4.9%	4,649	4,432	3,716	3,101	2,253	1,765
Profit (loss) of minority interest	-62.5%	10	25	16	21	8.46	-0.25
Reserve excluding revaluation reserves	-	-	-	-	99,879	-	-
CET 1 ratio	-1.1%	0.1067	0.1164	0.1101	0.1108	0.0993	0.1029
Additional tier 1 ratio	-0.2%	0.0188	0.0204	0.0208	0.0213	0.0188	0.0179

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020	Mar-2019
Interest or discount on advances or bills	32.5%	76,516	57,742	48,874	53,683	36,156	35,416
Revenue on investments	10.5%	29,187	26,402	24,471	25,347	16,094	14,622
Interest on balances with RBI and others	47.8%	2,823	1,910	2,288	1,902	2,531	1,937
Other interest	-32%	539	792	609	934	138	172
Total interest earned	25.6%	109,065	86,845	76,242	81,866	54,918	52,147
Other income	8.9%	13,329	12,240	12,098	13,124	9,388	7,367
Total income	23.5%	122,394	99,085	88,339	94,991	64,306	59,515
Total expenditure	27.8%	97,343	76,153	67,314	71,320	49,148	46,345
Interest expended	32.3%	68,534	51,817	46,823	50,805	36,997	34,656
Employees cost	24.8%	18,643	14,943	11,972	12,297	7,060	7,048
Other operating expenses	8.2%	10,166	9,393	8,519	8,219	5,090	4,642
Operating expenses	18.4%	28,809	24,336	20,491	20,516	12,150	11,689
Operating profit	9.2%	25,051	22,932	21,026	23,670	15,158	13,170
Provisions other than tax and contingencies	-35.2%	11,719	18,071	16,431	19,886	14,331	28,534
Profit before tax	174.3%	13,332	4,861	4,595	3,784	827	-15,364.76
Tax expense	179.3%	5,003	1,792	919	1,632	464	-5,338.35
Profit after tax	171.4%	8,329	3,069	3,676	2,152	363	-10,026.41
Net profit (loss) for the period	171.4%	8,329	3,069	3,676	2,152	363	-10,026.41
Profit (loss) of minority interest	444.4%	50	10	47	133	46	20
CET 1 ratio	-0.2%	0.1108	0.1124	0.1061	0.1089	0.1098	0.0652
Additional tier 1 ratio	0.6%	0.0213	0.0149	0.0119	091	0.0125	0.0133

Ticker	Name	Mkt Cap	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
SBIN	State Bank Of IndiaPublic Sector Bank	7.29 LCr	6.49 LCr	+4.54%	-1.73%	9.03	1.12	+14.51%	+24.82%
BANKBARODA	Bank Of BarodaPublic Sector Bank	1.31 LCr	1.51 LCr	+12.00%	-8.14%	6.48	0.87	+10.17%	+9.00%
UNIONBANK	Union Bank of IndiaPublic Sector Bank	98.13 kCr	1.27 LCr	+3.93%	-16.71%	6.05	0.77	+11.51%	+22.97%
CANBK	Canara BankPublic Sector Bank	89.3 kCr	1.5 LCr	+10.65%	-84.35%	5.19	0.6	+12.15%	+20.93%
INDIANB	Indian BankPublic Sector Bank	78.97 kCr	70.32 kCr	+4.87%	+8.00%	7.67	1.12	+14.19%	+40.42%

Balance Sheet for Punjab National Bank

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022	Mar-2022
Total assets	1079370000%	16,857,952,100,000	1,561,835	1,497,100	1,461,831	1,376,258	1,314,805
Cash balances with RBI	4.3%	67,799	65,033	62,822	78,177	73,517	56,636
Investments	11.8%	469,847	420,318	420,047	395,997	393,925	372,168
Advances	9.1%	1,019,595	934,431	889,920	830,834	773,403	728,186
Fixed assets	0.2%	12,341	12,319	12,108	12,051	12,208	10,674
Other assets	2%	66,962	65,663	71,842	67,841	73,691	71,131
Capital	4.4%	2,299	2,202	2,202	2,202	2,202	2,202
Reserves and surplus	14.4%	119,335	104,274	100,671	97,653	96,555	93,285
Deposits	6.5%	1,458,342	1,369,713	1,309,910	1,281,163	1,193,501	1,146,218
Borrowings	46.3%	73,794	50,430	52,927	51,292	58,660	45,681
Other liabilities and provisions	-9.1%	32,026	35,216	31,390	29,521	25,341	27,418
Total capital and liabilities	7.9%	1,685,795	1,561,835	1,497,100	1,461,831	1,376,258	1,314,805

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022	Mar-2022
Total assets	1077580000%	17,226,524,500,000	1,598,636	1,531,673	1,493,649	1,402,035	1,339,301
Cash balances with RBI	3.8%	67,824	65,325	63,056	78,214	74,069	57,028
Investments	11%	495,604	446,421	444,274	416,914	411,113	388,586
Advances	9.1%	1,027,870	941,762	896,496	837,459	779,107	733,766
Fixed assets	0.2%	12,369	12,348	12,140	12,084	12,234	10,696
Other assets	2.2%	68,195	66,704	73,969	69,864	75,407	72,059
Capital	4.4%	2,299	2,202	2,202	2,202	2,202	2,202
Reserves and surplus	15%	124,363	108,185	104,033	100,678	98,783	95,380
Deposits	6.5%	1,468,416	1,379,225	1,318,264	1,290,347	1,201,445	1,154,234
Borrowings	30.2%	94,496	72,586	74,666	70,149	73,573	59,372
Other liabilities and provisions	-9.2%	33,079	36,438	32,508	30,273	26,031	28,113
Total capital and liabilities	7.8%	1,722,652	1,598,636	1,531,673	1,493,649	1,402,035	1,339,301

PNB - Punjab National Bank Share Price

What does Punjab National Bank do?

Summary of Latest Earnings Report from Punjab National Bank

Latest News and Updates from Punjab National Bank

The Bad News

The Good News

Sector Comparison: PNB vs Banks

Comparative Metrics

Performance Comparison

Share Holdings

Holding Pattern

Share Holding Details

Overall Distribution

Ownership Distribution

Investor Care

Financial Health

Revenue Breakdown

Valuation

Fundamentals

Profitability

Cash Flow for Punjab National Bank

Income Statement for Punjab National Bank

Is Punjab National Bank Better than it's peers?

Updates from Punjab National Bank

Balance Sheet for Punjab National Bank

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)