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Bank of Punjab Ltd. Stock Analysis

Small Cap
Evaluated by 4 users | BSE: 500070 | NSE: BANKPUNJAB |
Bank - Public
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...

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
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'96Mar'97Mar'98Mar'99Mar'00Mar'01Mar'02Mar'03Mar'04Mar'05
Net Interest Income (Rs. Cr.)21.127.339.941.273.711390.198.8128135
Y-o-Y Gr. Rt.33-29.7%46.1%3.2%78.9%53.4%-20.3%9.6%29.7%5.3%
Total Income32.9104190229309384480488472398
Y-o-Y Gr. Rt.-216%83%20.7%34.8%24.1%25.3%1.6%-3.3%-15.8%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
1.272.143.083.093.153.323.43.033.52-5.83
Y-o-Y Gr. Rt.-68.5%43.9%0.3%1.9%5.4%2.4%-10.9%16.2%-265.6%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
10.3111.212.8814.4315.917.0818.2220.4423.2117.55
Y-o-Y 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 (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)02.952.491.771.251.010.940.780.81-1.26
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)01.591.143.662.322.312.937.174.694.64
To view Capital Adequacy Ratio Colour Rating Guide click here
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 0%
Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.
Bank of Punjab Ltd. should be analysed on a Standalone basis
CAGR
CAGR Colour Code Guide
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income22.9%12.9%14.4%5.3%
Total Income31.9%5.2%-6.1%-15.8%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-218.5%-213.1%-219.7%-265.6%
Book Value per Share
6.1%2%-1.2%-24.4%
Share Price - - - -
Key Financial Ratios
RATIOS \ YEARSMar'96Mar'97Mar'98Mar'99Mar'00Mar'01Mar'02Mar'03Mar'04Mar'05
Interest Earned / Total Income85.1178.1178.2181.3585.0488.7675.5972.3871.9782.63
Margins
To view Margins Colour Rating Guide click here
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)5.012.812.792.122.513.372.592.592.93.07
Performance Ratios
To view Performance Ratios Colour Rating Guide click here
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)12.3419.8725.5922.6120.820.1119.2715.6916.15-28.62
Liquidity Ratio
To view Liquidity Ratio Colour Rating Guide click here
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 32.4522.6923.629.3831.7528.0426.9131.6638.4447.1
No Data To Display
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Data is not available for this company.

Data is not available for this company

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

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
Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323
Research Analyst - INH000000719

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