Key Metrics 
10 Yrs X-Ray 
Profit & Loss 
Valuation 
Analyst Note 
Balance Sheet 
Cash Flow 
Financial Ratio 
Qtr. Results 
News 
About
Bank of Punjab Ltd (BANKPUNJAB)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 500070 NSE: BANKPUNJAB Bank - Public | Small Cap | Bank of Punjab Share Price
BSE Share Price
Not Listed
Not Listed
Bank of Punjab Ltd (BANKPUNJAB)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 500070 NSE: BANKPUNJAB Bank - Public | Small Cap | Bank of Punjab Share Price
BSE Share Price
Not Listed
Not Listed
Key Metrics
Valuation Multiples
Market Cap
₹463 Cr.
Current Price
₹0
52-Week Low / High
₹0 / 0
TTM EPS
₹-5.8
TTM Sales
₹329 Cr.
Book Value per Share
₹17.6
P/E Ratio
0.00
Industry PE
9.3
Price to Book (P/B)
2.51
EV/EBITDA
-1.70
Dividend Yield
NAN%
Profitability Efficiency
Return on Equity (ROE)
-28.62%
Return on Capital Employed (ROCE)
-27.65%
Net Interest Margin (NIM)
3.07%
Return on Assets (ROA)
-1.26%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Deposit Growth (1 Year)
Slowing versus 3-year growth rate
4.1%
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
5.31%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
-24.39%
Asset Quality
CASA
47.1%
Gross NPA(%)
0.00%
Net NPA(%)
4.64%
Cost to Income Ratio
90.45%
Cost of Liabilities
4.49%
Reserves
₹79 Cr.
Equity
₹105 Cr.
Face Value
₹10
All Time Low / High
₹10.00 / 46.30
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
| Mar'96 | Mar'97 | Mar'98 | Mar'99 | Mar'00 | Mar'01 | Mar'02 | Mar'03 | Mar'04 | Mar'05 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income (₹ Cr.) | 21.1 | 27.3 | 39.9 | 41.2 | 73.7 | 113 | 90.1 | 98.8 | 128 | 135 | 0 | |
| YoY Gr. Rt. % | - | 29.7% | 46.1% | 3.2% | 78.9% | 53.4% | -20.3% | 9.6% | 29.7% | 5.3% | - | |
| Total Income | 32.9 | 104 | 190 | 229 | 309 | 383 | 480 | 488 | 472 | 398 | 0 | |
| YoY Gr. Rt. % | - | 216% | 83% | 20.7% | 34.8% | 24.1% | 25.3% | 1.6% | -3.3% | -15.8% | - | |
| Adj EPS (₹ ) | 1.3 | 2.1 | 3.1 | 3.1 | 3.2 | 3.3 | 3.4 | 3 | 3.5 | -5.8 | -5.8 | |
| YoY Gr. Rt. % | - | 68.5% | 43.9% | 0.3% | 1.9% | 5.4% | 2.4% | -10.9% | 16.2% | -265.6% | - | |
| BVPS (₹ ) | 10.3 | 11.2 | 12.9 | 14.4 | 15.9 | 17.1 | 18.2 | 20.4 | 23.2 | 17.6 | 17.6 | |
| YoY Gr. Rt. % | - | 8.6% | 15% | 12% | 10.2% | 7.4% | 6.7% | 12.2% | 13.6% | -24.4% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 2.9 | 3 | 2.5 | 1.8 | 1.3 | 1 | 0.9 | 0.8 | 0.8 | -1.3 | 0 | |
| To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net NPA to Net Advances (%) | 0 | 1.6 | 1.1 | 3.7 | 2.3 | 2.3 | 2.9 | 7.2 | 4.7 | 4.6 | - | |
| To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Capital Adequacy Ratio (%) | - | - | - | - | - | - | - | - | - | - | - | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 22.9% | 12.9% | 14.4% | 5.3% | ||||
| Total Income | 31.9% | 5.2% | -6.1% | -15.8% | ||||
| Adj EPS | -218.5% | -213.1% | -219.7% | -265.6% | ||||
| BVPS | 6.1% | 2% | -1.2% | -24.4% | ||||
| Share Price | - | - | - | - | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'96 | Mar'97 | Mar'98 | Mar'99 | Mar'00 | Mar'01 | Mar'02 | Mar'03 | Mar'04 | Mar'05 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned / Total Income | 85.11 | 78.11 | 78.21 | 81.35 | 85.04 | 88.76 | 75.59 | 72.38 | 71.97 | 82.63 | NAN | |
| Margins | To view Margins Colour Rating Guide click here ⓘ | |||||||||||
| NIM (%) | 5 | 2.8 | 2.8 | 2.1 | 2.5 | 3.4 | 2.6 | 2.6 | 2.9 | 3.1 | 0 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 12.3 | 19.9 | 25.6 | 22.6 | 20.8 | 20.1 | 19.3 | 15.7 | 16.2 | -28.6 | 0 | |
| Liquidity Ratio | To view Liquidity Ratio Colour Rating Guide click here ⓘ | |||||||||||
| CASA (%) | 32.5 | 22.7 | 23.6 | 29.4 | 31.8 | 28 | 26.9 | 31.7 | 38.4 | 47.1 | - | |
Profit And Loss
(All Figures are in Crores.)| PARTICULARS | Mar'96 | Mar'97 | Mar'98 | Mar'99 | Mar'00 | Mar'01 | Mar'02 | Mar'03 | Mar'04 | Mar'05 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income + | 32.85 | 103.81 | 189.93 | 229.20 | 309.05 | 383.50 | 480.48 | 488.23 | 472.36 | 397.66 |
| Expenditure + | 19.37 | 78.02 | 146.88 | 187.50 | 255.19 | 318.80 | 384.79 | 379.59 | 369.43 | 378.18 |
| Provisions | 0.12 | 0.84 | 1.64 | 6.82 | 8.72 | 8.38 | 47.15 | 70.06 | 49.38 | 91.16 |
| Profit Before Tax | 13.36 | 24.95 | 41.05 | 34.84 | 41.62 | 40.83 | 57.99 | 39.24 | 46.05 | -85.44 |
| Taxes | 0 | 2.51 | 8.70 | 2.42 | 8.51 | 6.01 | 22.27 | 7.40 | 9.05 | -24.19 |
| Profit After Tax | 13.36 | 22.44 | 32.35 | 32.42 | 33.11 | 34.82 | 35.72 | 31.84 | 37 | -61.24 |
| Adjusted EPS (₹) | 1.27 | 2.14 | 3.08 | 3.09 | 3.15 | 3.32 | 3.40 | 3.03 | 3.52 | -5.83 |
| Dividend Payout Ratio (%) | 76.50% | 58.50% | 45.40% | 49.90% | 53.20% | 46.50% | 38.20% | 16.50% | 14.20% | 0% |
Valuation of Bank of Punjab - Standalone
Analyst's Notes
No data found!
Balance Sheet
(All Figures are in Crores.)| PARTICULARS | Mar'96 | Mar'97 | Mar'98 | Mar'99 | Mar'00 | Mar'01 | Mar'02 | Mar'03 | Mar'04 | Mar'05 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Share Capital ⓘ | 105 | 105 | 105 | 105 | 105 | 105 | 105 | 105 | 105 | 105 |
| Total Reserves ⓘ | 3.26 | 12.58 | 30.23 | 46.48 | 61.96 | 74.31 | 86.34 | 109.58 | 138.73 | 79.25 |
| Deposits | 278.29 | 831.42 | 1,320.69 | 1,766.10 | 2,607.74 | 3,054.79 | 3,353.57 | 3,589.60 | 4,136.88 | 4,306.62 |
| Borrowings ⓘ | 20.46 | 30.63 | 3.93 | 63.98 | 226.49 | 300.55 | 57.99 | 142.28 | 61.96 | 8.41 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 59.79 | 74.70 | 89.19 | 136.28 | 193.65 | 200.28 | 292.16 | 340.26 | 396.89 | 348.96 |
| Total Liabilities ⓘ | 466.81 | 1,054.32 | 1,549.03 | 2,117.84 | 3,194.83 | 3,734.93 | 3,895.06 | 4,286.73 | 4,839.46 | 4,848.23 |
Assets | ||||||||||
| Balance with RBI | 46.28 | 91.73 | 144.39 | 195.28 | 259.96 | 206.53 | 237.78 | 405.96 | 322.72 | 325.88 |
| Balance with Banks | 62.28 | 59.47 | 90.73 | 84.20 | 72.41 | 174.28 | 259.06 | 123.65 | 176.83 | 254.36 |
| Investments ⓘ | 90.54 | 454.94 | 678.87 | 822.57 | 1,297.25 | 1,463.83 | 1,371.27 | 1,484.91 | 1,571.84 | 1,402.68 |
| Advances | 221.30 | 364.99 | 518.78 | 842.30 | 1,301.40 | 1,506.45 | 1,611.48 | 1,797.13 | 2,353.46 | 2,416.99 |
| Net Block ⓘ | 37.27 | 50.41 | 69.32 | 80.65 | 110.65 | 120.76 | 147.78 | 163.84 | 184.55 | 185.71 |
| Other Assets | 9.19 | 32.87 | 47.33 | 94.10 | 151.85 | 248.29 | 231.95 | 284.20 | 227 | 261.96 |
| Total Assets ⓘ | 466.81 | 1,054.32 | 1,549.03 | 2,117.84 | 3,194.83 | 3,734.93 | 3,895.06 | 4,286.73 | 4,839.46 | 4,848.23 |
Cash Flow
(All Figures are in Crores.)| PARTICULARS | Mar'96 | Mar'97 | Mar'98 | Mar'99 | Mar'00 | Mar'01 | Mar'02 | Mar'03 | Mar'04 | Mar'05 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -245.68 | 59.09 | 98.35 | 62.31 | 103.56 | 59.33 | 165.17 | 31.87 | 7.18 | 111.80 |
| Cash Flow From Investing Activity ⓘ | -10.37 | -10.14 | -7.08 | -10.60 | -34.36 | -43.41 | -69.94 | -35.45 | -29.55 | -30.59 |
| Cash Flow From Financing Activity ⓘ | 29.52 | -6.30 | -7.35 | -7.35 | -16.32 | 32.52 | 20.80 | 36.35 | -7.70 | -0.53 |
| Net Cash Flow ⓘ | -226.53 | 42.65 | 83.92 | 44.36 | 52.88 | 48.44 | 116.03 | 32.77 | -30.06 | 80.69 |
Financial Ratio
| PARTICULARS | Mar'96 | Mar'97 | Mar'98 | Mar'99 | Mar'00 | Mar'01 | Mar'02 | Mar'03 | Mar'04 | Mar'05 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 1.30 | 2.10 | 3.10 | 3.10 | 3.20 | 3.30 | 3.40 | 3 | 3.50 | -5.80 |
| DPS (₹) | 1 | 1.30 | 1.40 | 1.50 | 1.70 | 1.50 | 1.30 | 0.50 | 0.50 | 0 |
| BVPS (₹) | 10.3 | 11.2 | 12.9 | 14.4 | 15.9 | 17.1 | 18.2 | 20.4 | 23.2 | 17.6 |
Margin Ratios | ||||||||||
| Yield on Advances (%) | 12.6 | 22.2 | 28.6 | 22.1 | 20.2 | 22.6 | 22.5 | 19.7 | 14.4 | 13.6 |
| Yield on Investments (%) | 7.7 | 8.2 | 13.8 | 13.4 | 10.9 | 11.7 | 17.1 | 16.9 | 13.6 | 6.2 |
| Cost of Liabilities (%) | 2.3 | 6.2 | 8.2 | 7.9 | 6.7 | 6.8 | 8.0 | 6.8 | 5.0 | 4.5 |
| NIM (%) | 5.0 | 2.8 | 2.8 | 2.1 | 2.5 | 3.4 | 2.6 | 2.6 | 2.9 | 3.1 |
| Interest Spread (%) | 10.3 | 16.0 | 20.4 | 14.2 | 13.5 | 15.8 | 14.5 | 12.8 | 9.4 | 9.1 |
Performance Ratios | ||||||||||
| ROA (%) | 2.9 | 3.0 | 2.5 | 1.8 | 1.3 | 1.0 | 0.9 | 0.8 | 0.8 | -1.3 |
| ROE (%) | 12.3 | 19.9 | 25.6 | 22.6 | 20.8 | 20.1 | 19.3 | 15.7 | 16.2 | -28.6 |
| ROCE (%) | 10.5 | 18.4 | 30.6 | 22.0 | 18.2 | 14.0 | 20.0 | 19.7 | 19.7 | -27.7 |
Efficiency Ratios | ||||||||||
| Cost to Income Ratio (%) | 48.1 | 48.5 | 47.1 | 50.3 | 55.1 | 58.6 | 53.9 | 53.5 | 60.5 | 90.5 |
| Operating Costs to Assets (%) | 2.7 | 2.3 | 2.5 | 2.0 | 2.1 | 2.5 | 2.9 | 2.9 | 3.3 | 3.8 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.0 | 1.3 | 1.1 | 0.8 | 0.9 | 0.9 | 0.8 | 0.7 | 1.0 | 1.8 |
Management X-Ray
Shareholding Pattern
No Data To Display
Promoter's Holding & Share Pledging
Top 5 Mutual Funds Holding
Last Visited Stocks
Announcements
Bank of Punjab Ltd FAQs
The current trading price of Bank of Punjab on 01-Jan-1970 05:30 is ₹0.00.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 31-Dec-1969 the market cap of Bank of Punjab stood at ₹462.5 Cr
The latest P/E ratio of Bank of Punjab as of 31-Dec-1969 is 0.00.
The latest P/B ratio of Bank of Punjab as of 31-Dec-1969 is 2.51.
The 52-week high of Bank of Punjab is ₹0.00 and the 52-week low is ₹0.00.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Bank of Punjab is ₹329 ( Cr.) .
Data is not available for this company.
No data found
No data found
About Bank of Punjab Ltd
Bank of Punjab (BOP) was established in 1989, in pursuance of the Bank of Punjab Act, 1989 and was given the status of a scheduled bank in 1994. The bank is working as a scheduled commercial bank with its network of 272 branches in all major business centres in the country. The bank provides all types of banking services such as deposit in local currency, client deposit in foreign currency, remittances and advances to business, trade, industry and agriculture. A wholly owned subsidiary of BOP -- First Punjab Modaraba (FPM) -- was established in 1992 and is being managed by Punjab Modaraba Services.
The head office of the bank is located at10- B, Block E-II, Main Boulevard, Gulberg III, Lahore.
Products
- Deposit Products
- Profit Loss Sharing
- Commercial Finance
- Consumer Finance
- Consumer Banking
- Agriculture Credit
- Non Fund Based Products
Services
- Commercial Banking
- Corporate & Investment
- Cash Management Services
- Utility Bills
- Lockers
Awards
- Excellence Award by the Central Board of Revenue
- 3rd Kissan Time Awards
- Best Corporate Report Award
- 16th Bolan Excellence Award
- Achievement Award
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