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Report
Punjab National Bank (PNB:NSE) - Strategic SWOT and Financial Insights - A 360 Review of Opportunities, Challenges and Risk, Corporate and ESG Strategies, Competitive Intelligence, Financial and Operational KPI's, and Recent Trends
Company Report I 2025-12-24 I 63 Pages I Quaintel Research
Report Summary
Punjab National Bank Strategic SWOT Analysis and Financial Insights - A 360 Review of Opportunities, Challenges and Risk, Corporate and ESG Strategies, Competitive Intelligence, and Recent Trends Report is a comprehensive and easily accessible overview of Punjab National Bank's business operations. It provides a detailed analysis of the company's financial and strategic standing, as well as its position in the industry compared to competitors. The report includes several key features to facilitate decision-making and provide insights into the company's performance.
The report begins with in-depth information about Punjab National Bank including key insights, business segments, key executives, locations, products and services, historical events, corporate strategy, and management discussions. This section provides a solid foundation for understanding the company's key attributes.
Next, the report assesses Punjab National Bank's strategic standing through various analyses. The ESG spotlight evaluates the company's environmental, social, and governance performance, providing insights into its sustainability efforts and ethical practices. The SWOT analysis examines the company's internal strengths and weaknesses, as well as external opportunities and threats. Additionally, By integrating these strategic analyses, the report offers a comprehensive understanding of Punjab National Bank's overall strategic standing and supports informed decision-making and strategic planning.
The report also covers Punjab National Bank's financial analysis basis of latest income statement, balance sheet, and cash flow statement. Key financial ratios related to profitability, asset turnover, credit, market, and long-term solvency are outlined, providing guidance for investment decisions. Furthermore, the report compares Punjab National Bank's financial parameters with those of its competitors, offering a unique analysis of the competitive landscape. This information helps manage the business environment and improve sales activities by gaining insight into competitors' operations.
Finally, the report includes recent news and deal activities undertaken by Punjab National Bank enhancing awareness of the company's business trends, growth perspectives, and more.
Key Highlights
Punjab National Bank is one of India oldest and most trusted public sector banks, founded on May 19, 1894 and commencing operations on April 12, 1895 from Lahore with an authorized capital of Rs 2 lakh and working capital of Rs 20000. Established in the spirit of Swadeshi, it was the first bank in India to be purely managed by Indians with Indian capital, aiming to serve national economic interests. Over its long history more than 9 banks have been merged or amalgamated with PNB, strengthening its scale and reach.The bank is headquartered in Delhi India and operates a wide domestic and international footprint through branches offices and correspondent banking relationships, giving it a growing global presence. PNB provides a comprehensive range of banking and financial services across corporate banking retail banking MSME agriculture and digital banking segments, serving millions of customers across urban and rural regions.PNB is driven by a mission to deliver quality financial services through technology while creating value for customers employees and stakeholders. Its vision focuses on being a globally trusted and customer centric banking partner guided by values of teamwork innovation ethical practices continuous learning and objective decision making.
Punjab National Bank in the News:-
Scope
- Tactical Analysis:- Various strategic frameworks to gain insights into a Punjab National Bank's competitive position and operational environment. These analytical tools assist in identifying competitive advantages, potential risks, and areas for improvement and efficiency, enabling companies to make informed tactical decisions.
- Business Strategy:- Contributes to shaping the Punjab National Bank's overall direction, goals, and decision-making processes, ensuring long-term success and alignment with stakeholder expectations.
- Financial Position:- Provide valuable information on the financial performance and investor sentiment surrounding the company. Indicating the level of confidence and expectations in the company's future prospects. These components collectively contribute to understanding the financial health and market perception of the company.
- Company Fundamentals:- These fundamentals offer valuable insights into the company's history, operations, leadership, and geographical presence, aiding in a comprehensive understanding of the organization.
- Competitive Landscape:- An identification of the Punjab National Bank's main competitors, providing insights into the competitive landscape it operates in.
Reasons to Buy
- Comprehensive Understanding of the Punjab National Bank's internal and external factors through SWOT analysis, Financial Analysis, and Competitors Benchmarking.
- Strive Strategic Decision Making with various analyses and identifying potential customers and suppliers.
- Mitigate Risk with help of thorough analysis of internal and external factors. Furthermore, develop strategies and contingency plans to address these challenges and minimize their impact on business operations.
- Competitive Benchmarking will help to gain a competitive advantage by understanding industry trends, customer preferences, and best practices.
- Financial Performance Evaluation provides crucial insights into key financial ratios and trends, supporting better financial decision-making and resource allocation.
- Valuable insights from the report enable investors and partners to make informed decisions regarding potential Collaborations, Investments, or Partnerships with the company.
Additionally, available deep-dive analysis on the company Punjab National Bank:
- Punjab National Bank PESTLE Analysis
- Punjab National Bank Value Chain Analysis
- Punjab National Bank Porter's Five Forces Analysis
- Punjab National Bank VRIO Analysis
- Punjab National Bank BCG Analysis
- Punjab National Bank Segmentation, Targeting and Positioning (STP) Analysis
- Punjab National Bank Ansoff Matrix Analysis
Table of Contents 2
Tables 5
Charts 6
Punjab National Bank - Key Company Facts 7
Punjab National Bank - Company Description 8
Punjab National Bank - Top Executives 9
Punjab National Bank- Head Office & Locations 10
Head Office - Country 10
Punjab National Bank - Products and Services 11
Products 11
Services 12
Punjab National Bank - Company's Mission and Vision 14
Mission 14
Punjab National Bank - Corporate Strategy 15
Punjab National Bank - Business Description 18
Other Banking Operations 18
Retail Banking 19
Corporate Wholesale Banking 20
Treasury 20
Punjab National Bank - ESG Spotlight 22
Environment 22
Social 23
Corporate Governance 23
Punjab National Bank - SWOT Analysis 25
Overview 25
Strengths 27
Weaknesses 29
Opportunities 31
Threats 33
Punjab National Bank - Financial Deep Dive 35
Share Price Trend - Sep-2023to Dec-2025 (Average Share Closing Price) 35
Profit and Loss Statement 37
Summary of Profit and Loss Statement 37
Balance Sheet 39
Summary of Balance Sheet 39
Cash Flow Statement 41
Summary of Cash Flow Statement 41
Key Financial Ratio Analysis 43
Punjab National Bank - Ratio Charts 44
Activity Ratio Charts 44
Growth Ratios Charts 45
Leverage Ratio Charts 46
Liquidity Ratio Charts 47
Profitability Ratio Charts 48
Competing Players 49
Snapshot of Competing Players 50
Bank of Baroda Ltd 50
Key Company Facts 50
Company Description 50
Snapshot of Competing Players 51
Canara Bank Ltd 51
Key Company Facts 51
Company Description 51
Snapshot of Competing Players 52
Indian Bank 52
Key Company Facts 52
Company Description 52
Snapshot of Competing Players 53
State Bank of India 53
Key Company Facts 53
Company Description 53
Snapshot of Competing Players 54
Union Bank of India Ltd 54
Key Company Facts 54
Company Description 54
Appendix 55
Definitions 55
SWOT Analysis 55
PESTLE Analysis 55
Value Chain Analysis 55
ESG Spotlight 55
Financial Deep Dive 55
Financial Ratios - 56
Activity Ratios 56
Growth Ratios 57
Leverage Ratios 58
Liquidity Ratios 59
Market Ratios 60
Profitability Ratios 60
Research Methodology 61
Disclaimer 62
Contact Us 62
Table 1: Punjab National Bank - Company Facts 7
Table 2: Punjab National Bank - Digital Presence 7
Table 3: Punjab National Bank - Top Executives 9
Table 4: Punjab National Bank - Products 11
Table 5: Punjab National Bank - Services 12
Table 6: Punjab National Bank - Share Price Trend - Sep-2023 to Dec-2025 35
Table 7: Punjab National Bank- Ratio Analysis - 2022-2025 43
Table 8: Punjab National Bank -Competing Players 49
Table 9: Competing Players - Bank of Baroda Ltd - Key Company Facts 50
Table 10: Competing Players - Canara Bank Ltd - Key Company Facts 51
Table 11: Competing Players - Indian Bank - Key Company Facts 52
Table 12: Competing Players - State Bank of India - Key Company Facts 53
Table 13: Competing Players - Union Bank of India Ltd - Key Company Facts 54
Figure 1: Punjab National Bank- SWOT Analysis 26
Figure 2: Punjab National Bank - Average Share Price Trend - Sep-2023 to Dec-2025 36
Figure 3: Punjab National Bank - Profit and Loss Statement - 2022-2025 38
Figure 4: Punjab National Bank - Balance Sheet - 2022-2025 40
Figure 5: Punjab National Bank - Cash Flow Statement 2022-2025 42
Figure 6: Punjab National Bank - Activity Ratio Charts 44
Figure 7: Punjab National Bank - Growth Ratio Charts (Value %) 45
Figure 8: Punjab National Bank - Leverage Ratio Charts 46
Figure 9: Punjab National Bank - Liquidity Ratio Charts 47
Figure 10: Punjab National Bank - Profitability Ratio Charts (Value %) 48
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