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Fundamental Analysis of Pnb Ltd.

Fundamental Analysis of Pnb Ltd.

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Published by Ashutosh Gupta

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Published by: Ashutosh Gupta on Nov 22, 2010
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SECURITY ANALYSIS & INVESTMENT MANAGEMENT
FUNDAMENTAL ANALYSIS ON
PUNJAB NATIONAL BANK LIMITED
Submitted to:
 
Submitted by:
 
Ms. Richa Singal
 Ashutosh GuptaFaculty, TIAS
 
MBA 3
rd
Semester
 
SESSION: 2009 - 2010
 
TECNIA INSTITUTE OF ADVANCED STUDIES
(Approved by AICTE, Ministry of HRD, Govt. of India)Affiliated To Guru Gobind Singh Indraprastha University, Delhi
INSTITUTIONAL AREA, MADHUBAN CHOWK, ROHINI, DELHI- 110085E-Mail:director@tecniaindia.org, Website: www.tecniaindia.org  Fax No: 27555120, Tel: 27555121-24
 
 
COMPANY PROFILE
Punjab National Bank
(BSE: 532461), is a state-owned financial services company located in NewDelhi, India. It was registered on May 19, 1894 under the Indian Companies Act with its office inAnarkali Bazaar Lahore. Today, the Bank is the second largest government-owned commercial bank in India with about 5000 branches across 764 cities. It serves over 37 million customers. The bank has been ranked 248th biggest bank in the world by the
 Bankers Almanac
, London. The bank's totalassets for financial year 2010 were about
`
296,632 crores. PNB has a banking subsidiary in the UK,as well as branches in Hong Kong, Dubai and Kabul, and representative offices inAlmaty,Dubai,Oslo, and Shanghai.Punjab National Bank is one of the
 Big Four Banks
of India, along with ICICI Bank, State Bank of India and Canara Bank.
Services of Punjab National Bank
Punjab National Bank offers financial solutions and services in an array of sectors. All these servicesthat are offered keep pace with the changing market trends in order to fulfill the needs andpreferences of the customers. Some of the well known sectors on which the main functions of thebank are based are:
 
Personal Banking
 
Corporate Banking
 
Agriculture finance services
 
Industrial finance services
 
Trade financial services
 
International banking servicesPNB also has commercial relationship with more than 200 prestigious international banks across theglobe. It has the provisions of Rupee Drawing Arrangements with around 15 exchange companies inthe UAE and 1 in Singapore.In case of the personal banking segment, the bank offers customized solutions to take care of almostall financial needs of the customers. Some of the well known services that are offered in the bank are:
 
Savings Fund Account
 
Fixed Deposit scheme
 
Current account
 
Loan servicesPunjab National Bank is also a well known name in housing loan benefits. The bank offers bothshort term and long term loans. The rates are also affordable and can be paid within a particular time.The PNB Housing Finance sanctions around 80% of the cost of the project. However, the maximumamount is around Rs 50 lakh. The interest of the loan is based on the reducing balance and theprincipal amount of the loan is also based on the repaying capability of the borrower.
 
PUNJAB NATIONAL BANK LIMITEDBALANCE SHEET
------------------- in
`
Cr. -------------------
 
Mar '06 Mar '07 Mar '08 Mar '09 Mar '1012 mths 12 mths 12 mths 12 mths 12 mthsCAPITAL AND LIABILITIES:
Total Share Capital 315.30 315.30 315.30 315.30 315.30Equity Share Capital 315.30 315.30 315.30 315.30 315.30Share Application Money 0.00 0.00 0.00 0.00 0.00Preference Share Capital 0.00 0.00 0.00 0.00 0.00Reserves 8,758.68 9,826.31 10,467.35 12,824.59 15,915.63Revaluation Reserves 302.38 293.85 1,535.70 1,513.74 1,491.99Net Worth 9,376.36 10,435.46 12,318.35 14,653.63 17,722.92Deposits 119,684.92 139,859.67 166,457.23 209,760.50 249,329.80Borrowings 6,687.18 1,948.86 5,446.56 4,374.36 19,262.37Total Debt 126,372.10 141,808.53 171,903.79 214,134.86 268,592.17Other Liabilities & Provisions 9,518.93 10,178.51 14,798.23 18,130.13 10,317.69
Total Liabilities 145,267.39 162,422.50 199,020.37 246,918.62 296,632.78Mar '06 Mar '07 Mar '08 Mar '09 Mar '1012 mths 12 mths 12 mths 12 mths 12 mthsASSETS
Cash & Balances with RBI 23,394.56 12,372.03 15,258.15 17,058.25 18,327.58Balance with Banks, Money atCall1,397.14 3,273.49 3,572.57 4,354.89 5,145.99Advances 74,627.37 96,596.52 119,501.57 154,702.99 186,601.21Investments 41,055.31 45,189.84 53,991.71 63,385.18 77,724.47Gross Block 2,106.92 2,247.74 3,699.64 3,930.36 4,215.21Accumulated Depreciation 1,076.69 1,237.92 1,384.12 1,533.25 1,701.74Net Block 1,030.23 1,009.82 2,315.52 2,397.11 2,513.47Capital Work In Progress 0.00 0.00 0.00 0.00 0.00Other Assets 3,762.79 3,980.80 4,380.84 5,020.20 6,320.07
Total Assets 145,267.40 162,422.50 199,020.36 246,918.62 296,632.79
Contingent Liabilities 39,860.40 52,884.89 80,606.88 79,270.65 68,124.47Bills for collection 18,878.91 21,815.59 23,448.99 31,941.43 33,215.78
Book Value (Rs) 287.79 321.65 341.98 416.74 514.77

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