PNB Presentation
-
Upload
saurabh698 -
Category
Documents
-
view
1.437 -
download
1
description
Transcript of PNB Presentation
SAURABH JAIN08 BS 000 3005IBS, CHENNAI
Overview of the Presentation
Overview of Bank
Profitability analysis and Industry Analysis
Share holding Patterns
Future Plans
Ratio Analysis
Conclusion
Punjab National BankStarted in May 19, 1894 in Lahore.Nationalized on July 19, 1969 with 13 other major
commercial banks.2nd largest network of branches
• 4668 branches including 238 extension counters and 3 overseas offices.
3rd largest bank in the country (after SBI and ICICI Bank).
38 million satisfied customers.Business grew to Rs 3,64,463 crore as March 2009.
Performance Analysis: FY’09
2009 2008 Growth(%)
NET PROFIT 3,091 2,049 50.87%
OPERATING PROFIT 5,774 4,006 44.13%
DEPOSIT 2,09,760 1,66,457 26.01%
ADVANCES 1,54,703 1,19,502 29.46%
TOTAL BUSINESS 3,64,463 2,85,959 27.45%
BALANACE SHEET
PROFIT & LOSS A/C
Ratio Analysis
Investment Valuation RatioInvestment Valuation Ratio
Ratios…2Profitability Ratios
Mar '05 Mar '06 Mar '07 Mar '08 Mar '09Net Interest Margin 3.67 3.94 4.4 4.18 4.18Adjusted Cash Margin(%) 15.64 16.35 14.1 13.72 14.6Net Profit Margin 13.84 14.5 12.53 12.68 13.76Return on Long Term Fund(%) 81 74.57 80.76 111.52 129.83Return on Net Worth(%) 22.49 17.01 16.03 19 23.52Return on Assets Excluding Revaluations 248.93 287.79 321.65 341.98 416.74
Return on Assets
Return on Equity
Yield on Advances
Ratios….3Management Efficiency Ratios
Mar '05 Mar '06 Mar '07 Mar '08 Mar '09Interest Income / Total Funds 8.52 7.23 7.88 8.86 9.89Non Interest Income / Total Funds 0.41 0.1 0.12 0.13 0.25Interest Expended / Total Funds 3.91 3.63 3.92 4.86 5.55Operating Expense / Total Funds 2.7 2.27 2.43 2.08 2.18Profit Before Provisions / Total Funds 2.17 1.29 1.53 1.96 2.32Net Profit / Total Funds 1.24 1.06 1 1.14 1.4Loans Turnover 0.18 0.15 0.14 0.15 0.16Total Income / Capital Employed(%) 8.94 7.33 8 8.99 10.14Interest Expended / Capital Employed(%) 3.91 3.63 3.92 4.86 5.55Total Assets Turnover Ratios 0.09 0.07 0.08 0.09 0.1Asset Turnover Ratio 5.28 4.75 5.48 4.35 5.64
Ratios….4
Profit And Loss Account RatiosInterest Expended / Interest Earned 52.64 51.31 52.2 61.2 63.62Other Income / Total Income 4.62 1.33 1.52 1.43 2.46
Operating Expense / Total Income 30.19 31 30.36 23.1 21.53Selling Distribution Cost Composition 0.19 0.2 0.14 0.14 0.14
Balance Sheet RatiosCapital Adequacy Ratio 14.78 11.95 12.29 13.46 14.03Advances / Loans Funds(%) 61.93 64.26 72.04 76.19 80.15
Debt Coverage RatiosCredit Deposit Ratio 56.33 60.6 65.97 70.55 72.88Investment Deposit Ratio 48.56 41.16 33.23 32.38 31.2Cash Deposit Ratio 8.48 14.74 13.78 9.02 8.59
NPA Administration The gross NPA reduced by 552 crore to 2767 crore. NPA coverage Ratio increased to 90% compared to 77.3% in
March’ 08. Rs. 4074 crore were restructured.
March’ 09 March’ 08 Variation in 1 year
Gross NPA( Rs. Crore) 2767 3319 -552
Gross NPA as % to Gross Advances 1.77% 2.74% -0.97%
Net NPA( Rs. Crore) 263 754 -491
Net NPA as % to Gross Advances .17% .64% -0.47%
Share Holding Pattern
Holding in (%) as of 31, March 2009
1.Central Government/ State Government(s) 57.80%
2.A Mutual Funds/ UTI 5.54%
2.B Financial Institutions/ Banks 0.23%
2.C Insurance Companies 15.28%
2.D Foreign Institutional Investors 14.86%
2 Institutions 35.91%
3 Others /Public 6.29%
New Initiatives To provide basic Financial Services to identified 34 Pilot
Projects like Richshaw Pullers, Vegetable Vendors, Women and other unserved sections etc.
Tie up with NGOs to enlarge Microfinance in North-Eastern States.
Launched PNB Global Credit Card. Associated with SMC Global Securities and NSBL to provide
Demat and Trading Account. Global Forays: Presence in 8 Countries.
A subsidiary unit in UK with 4 branches(PNBIL).
Coming soon……A Subsidiary in Canada.An Offshore Banking Unit in Singapore.A branch at DIFC, Dubai.Upgraded Infrastructure/Hardware which can handle business
of 6000 branches and 1 lacs terminals.“Project Namaskar” to cover villages by 2013 to create a
large customer base.“Prepaid World Travel Card” in three currencies (USD, Euro,
GBP).
Conclusion