Bank of Punjab Ltd - Stock Valuation and Financial Performance

BSE: 500070 | NSE: BANKPUNJAB | Bank - Public | Small Cap

BSE Share Price
Not Listed

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Bank of Punjab stock performance -

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P/E Ratio (SA):
0.00
Market Cap:
462.5 Cr.
52-wk low:
0
52-wk high:
0

Is an attractive stock to invest in?

1. Is a good quality company?

Data is not available for this company.

2. Is undervalued or overvalued?

No data found

3. Is a good buy now?

No data found

10 Year X-Ray of Bank of Punjab:

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 end

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'05TTM
Net Interest Income (₹ Cr.)21.127.339.941.273.711390.198.81281350
YoY Gr. Rt. %-29.7%46.1%3.2%78.9%53.4%-20.3%9.6%29.7%5.3%-
Total Income32.91041902293093844804884723980
YoY Gr. Rt. %-216%83%20.7%34.8%24.1%25.3%1.6%-3.3%-15.8%-
Adj EPS (₹ ) 1.32.13.13.13.23.33.433.5-5.8-5.8
YoY Gr. Rt. %-68.5%43.9%0.3%1.9%5.4%2.4%-10.9%16.2%-265.6%-
BVPS (₹ )10.311.212.914.415.917.118.220.423.217.617.6
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 (%)2.932.51.81.310.90.80.8-1.30
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%)01.61.13.72.32.32.97.24.74.6-
To view Capital Adequacy Ratio (%) Colour Rating Guide click here
Capital Adequacy Ratio (%)-----------

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income22.9%12.9%14.4%5.3%
Total Income31.9%5.2%-6.1%-15.8%
Adj EPS-218.5%-213.1%-219.7%-265.6%
BVPS6.1%2%-1.2%-24.4%
Share Price - - - -

Key Financial Ratios

RATIOS \ YEARSMar'96Mar'97Mar'98Mar'99Mar'00Mar'01Mar'02Mar'03Mar'04Mar'05TTM
Interest Earned / Total Income85.1178.1178.2181.3585.0488.7675.5972.3871.9782.63NAN
Margins To view Margins Colour Rating Guide click here
NIM (%)52.82.82.12.53.42.62.62.93.10
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)12.319.925.622.620.820.119.315.716.2-28.60
Liquidity Ratio To view Liquidity Ratio Colour Rating Guide click here
CASA (%)32.522.723.629.431.82826.931.738.447.1-

Recent Performance Summary

No data to display

Return on Equity has declined versus last 3 years average to %

Latest Financials - Bank of Punjab Ltd.

Standalone Consolidated
TTM EPS (₹) -5.8 -
TTM Sales (₹ Cr.) 329 -
BVPS (₹.) 17.6 -
Reserves (₹ Cr.) 79 -
P/BV 2.51 -
PE 0.00 -
From the Market
52 Week Low / High (₹) 0.00 / 0.00
All Time Low / High (₹) 10.00 / 46.30
Market Cap (₹ Cr.) 463
Equity (₹ Cr.) 105
Face Value (₹) 10
Industry PE 12.9

Management X-Ray of Bank of Punjab:

Shareholding Pattern

No Data To Display

Promoter's Holding & Share Pledging

Event Update

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Analyst's Notes

Key Ratios of Bank of Punjab

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'96Mar'97Mar'98Mar'99Mar'00Mar'01Mar'02Mar'03Mar'04Mar'05
Income 32.85103.81189.93229.20309.05383.50480.48488.23472.36397.66
Interest Income 27.9681.08148.55186.45262.81340.41363.18353.39339.94328.60
Other Income 4.8922.7341.3942.7446.2443.09117.30134.84132.4269.06
Expenditure 19.4981.36157.58196.78275.93348.68444.76456.39435.36458.90
Interest Expense 6.9053.77108.64145.26189.11227.33273.07254.61211.82193.68
Operating Expenses 12.4724.2538.2442.2466.0791.47111.71124.98157.61184.50
Provisions0.123.3510.699.2820.7529.8859.9776.8065.9380.72
Profit Before Tax13.3624.9541.0534.8441.6240.8357.9939.2446.05-85.44
Taxes 02.518.702.428.516.0122.277.409.05-24.19
Profit After Tax 13.3622.4432.3532.4233.1134.8235.7231.8437-61.24
Adjusted EPS (₹)1.272.143.083.093.153.323.403.033.52-5.83
Dividend Payout Ratio (%)76%58%45%50%53%47%38%16%14%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'96Mar'97Mar'98Mar'99Mar'00Mar'01Mar'02Mar'03Mar'04Mar'05

Equity and Liabilities

Share Capital 105105105105105105105105105105
Total Reserves 3.2612.5830.2346.4861.9674.3186.34109.58138.7379.25
Minority Interest0000000000
Deposits278.29831.421,320.691,766.102,607.743,054.793,353.573,589.604,136.884,306.62
Borrowings 20.4630.633.9363.98226.49300.5557.99142.2861.968.41
Other Liabilities 59.7974.7089.19136.28193.65200.28292.16340.26396.89348.96
Total Liabilities 466.811,054.321,549.032,117.843,194.833,734.933,895.064,286.734,839.464,848.23

Assets

Balance with RBI 46.2891.73144.39195.28259.96206.53237.78405.96322.72325.88
Balance with Banks62.2859.4790.7384.2072.41174.28259.06123.65176.83254.36
Investments 90.54454.94678.87822.571,297.251,463.831,371.271,484.911,571.841,402.68
Advances 221.30364.99518.78842.301,301.401,506.451,611.481,797.132,353.462,416.99
Net Block 37.2750.4169.3280.65110.65120.76147.78163.84184.55185.71
Other Assets9.1932.8747.3394.10151.85248.29231.95284.20227261.96
Total Assets 466.811,054.321,549.032,117.843,194.833,734.933,895.064,286.734,839.464,848.23

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'96Mar'97Mar'98Mar'99Mar'00Mar'01Mar'02Mar'03Mar'04Mar'05
Cash Flow From Operating Activity -245.6859.0998.3562.31103.5659.33165.1731.877.18111.80
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 29.52-6.30-7.35-7.35-16.3232.5220.8036.35-7.70-0.53
Net Cash Flow -226.5342.6583.9244.3652.8848.44116.0332.77-30.0680.69
PARTICULARSMar'96Mar'97Mar'98Mar'99Mar'00Mar'01Mar'02Mar'03Mar'04Mar'05

Operational & Financial Ratios

EPS (₹)123333334-6
DPS (₹)1112221110
BVPS (₹)10111314161718202318

Margin Ratios

Yield on Advances (%)12.622.228.622.120.222.622.519.714.413.6
Yield on Investments (%)7.78.213.813.410.911.717.116.913.66.2
Cost of Liabilities (%)2.36.28.27.96.76.88.06.85.04.5
NIM (%)5.02.82.82.12.53.42.62.62.93.1
Interest Spread (%)10.316.020.414.213.515.814.512.89.49.1

Performance Ratios

ROA (%)2.93.02.51.81.31.00.90.80.8-1.3
ROE (%)12.319.925.622.620.820.119.315.716.2-28.6
ROCE (%)10.518.430.622.018.214.020.019.719.7-27.7

Efficiency Ratios

Cost to Income Ratio (%)48.148.547.150.355.158.653.953.560.590.5
Operating Costs to Assets (%)2.72.32.52.02.12.52.92.93.33.8

Valuation Parameters

Price/Book(x)0.01.31.10.80.90.90.80.71.01.8

Bank of Punjab Ltd Stock News

Bank of Punjab Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing 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 01-Jan-1970 05:30 the market cap of Bank of Punjab stood at ₹462.5.
The latest P/E ratio of Bank of Punjab as of 01-Jan-1970 05:30 is 0.00.
The latest P/B ratio of Bank of Punjab as of 01-Jan-1970 05:30 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 ₹328.6 ( Cr.) .

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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