Punjab National Bank ltd.
ABOUT
Punjab National Bank is India's first Swadeshi Bank. PNB is a Banking and Financial service bank owned by the Government of India with its headquarters in New Delhi, India. It is the Third largest PSU after IOB in India.
Branch Network
Presently, the bank operates 10,925 branches and ~14,000 ATMs across India. The majority of its branches are located in North India with ~1,100 branches located in Punjab Alone. Its branch network increased from 7,041 branches to ~11,000 branches post the merger with OBC and United Bank of India.
Customer Base
The bank has a base of more than 18 crore customers post the merger.
Loan Book
Presently, corporate advances account for 48% of the loan book, followed by retail (18%), MSME (18%), and Agriculture (16%).
Retail Book
Housing loans account for 64% of the total retail book, followed by a mortgage (10%), Personal (7%), vehicle (7%), education (6%), and others (6%).
Industrial Exposure
The bank's corporate loan book has exposure to many industries. Industries with top exposure include energy (22%), roads & ports (15%), basic metals (15%), telecom (9%), textiles (6%), chemicals (5%), and others.
International Business
At present Bank has an overseas presence in 6 Countries by way of 2 branches(1 in Hong Kong and 1 in Dubai), 2 Subsidiaries (London and Bhutan), 1 Associate (Kazakhstan), and 1 Joint Venture( Nepal). Presently, overseas businesses account for 2.6% of the total business of the bank.
In Sept. 2020, The financial regulator of Kazakhstan revoked the license of JSC Tengri Bank for failure to meet prudential standards and other mandatory norms. PNB holds 42.64% stake in JSC Tengri Bank.
Industrial NPAs
The bank has ~44,000 crores worth of NPA from its industrial advances. It translates to a GNPA ratio of 22%. The majority of NPAs are from the energy and telecom sector wherein 26% and 29% of total advances are NPAs.
TECHNICAL ANALYSIS.
Time Frame - 1D.
1. Stock closes on its previous high of Oct 2021.
2. Very aggressive FUT OI on the long side.
3. Call writers are trapped from 41 to 49 strike price. (expiry tomorrow)
FUNDAMENTAL ANALYSIS.
Sector: Banks - Public Sector
1. MARKET CAP - ₹ 55,498 Cr.
2. Capital Adequacy Ratio - 13.88%
3. Net Interest Margin - 3.09%
4. Gross NPA - 12.99%
5. Net NPA - 4.03%
6. CASA Ratio - 44.66%
DISCLAIMER - All analyses are for educational purposes. it is not trading or investment advice.
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ABOUT
Punjab National Bank is India's first Swadeshi Bank. PNB is a Banking and Financial service bank owned by the Government of India with its headquarters in New Delhi, India. It is the Third largest PSU after IOB in India.
Branch Network
Presently, the bank operates 10,925 branches and ~14,000 ATMs across India. The majority of its branches are located in North India with ~1,100 branches located in Punjab Alone. Its branch network increased from 7,041 branches to ~11,000 branches post the merger with OBC and United Bank of India.
Customer Base
The bank has a base of more than 18 crore customers post the merger.
Loan Book
Presently, corporate advances account for 48% of the loan book, followed by retail (18%), MSME (18%), and Agriculture (16%).
Retail Book
Housing loans account for 64% of the total retail book, followed by a mortgage (10%), Personal (7%), vehicle (7%), education (6%), and others (6%).
Industrial Exposure
The bank's corporate loan book has exposure to many industries. Industries with top exposure include energy (22%), roads & ports (15%), basic metals (15%), telecom (9%), textiles (6%), chemicals (5%), and others.
International Business
At present Bank has an overseas presence in 6 Countries by way of 2 branches(1 in Hong Kong and 1 in Dubai), 2 Subsidiaries (London and Bhutan), 1 Associate (Kazakhstan), and 1 Joint Venture( Nepal). Presently, overseas businesses account for 2.6% of the total business of the bank.
In Sept. 2020, The financial regulator of Kazakhstan revoked the license of JSC Tengri Bank for failure to meet prudential standards and other mandatory norms. PNB holds 42.64% stake in JSC Tengri Bank.
Industrial NPAs
The bank has ~44,000 crores worth of NPA from its industrial advances. It translates to a GNPA ratio of 22%. The majority of NPAs are from the energy and telecom sector wherein 26% and 29% of total advances are NPAs.
TECHNICAL ANALYSIS.
Time Frame - 1D.
1. Stock closes on its previous high of Oct 2021.
2. Very aggressive FUT OI on the long side.
3. Call writers are trapped from 41 to 49 strike price. (expiry tomorrow)
FUNDAMENTAL ANALYSIS.
Sector: Banks - Public Sector
1. MARKET CAP - ₹ 55,498 Cr.
2. Capital Adequacy Ratio - 13.88%
3. Net Interest Margin - 3.09%
4. Gross NPA - 12.99%
5. Net NPA - 4.03%
6. CASA Ratio - 44.66%
DISCLAIMER - All analyses are for educational purposes. it is not trading or investment advice.
#education #markets #equities #stockmarket #technicalanalysis #stocks #investment #trading #india #finance #fundamentalanalysis #nse #bse #supertrend #alligator #education #investing #investments #financialmarkets #learningeveryday #learning #banking #financialservices #bank #stock #pnb #psu