PUNJAB NATIONAL BANK
Quarterly Results Analysis [Mar2025]
PUNJAB NATIONAL BANK Quarterly Results
| Consolidated | Mar2025 UnAudited |
Dec2024 UnAudited |
Sep2024 Audited |
Jun2024 Audited |
Mar2024 Audited |
Dec2023 Audited |
Sep2023 Audited |
Jun2023 UnAudited |
|---|---|---|---|---|---|---|---|---|
| Interest Earned | ₹32,523 Cr | ₹31,895 Cr | ₹30,447 Cr | ₹29,145 Cr | ₹28,682 Cr | ₹27,852 Cr | ₹26,858 Cr | ₹25,673 Cr |
| Other Income | ₹4,776 Cr | ₹3,392 Cr | ₹4,664 Cr | ₹3,615 Cr | ₹4,294 Cr | ₹2,676 Cr | ₹2,999 Cr | ₹3,360 Cr |
| Interest Expended | ₹21,640 Cr | ₹20,738 Cr | ₹19,790 Cr | ₹18,536 Cr | ₹18,206 Cr | ₹17,444 Cr | ₹16,820 Cr | ₹16,064 Cr |
| Expenses | ₹8,771 Cr | ₹7,897 Cr | ₹8,312 Cr | ₹7,570 Cr | ₹8,271 Cr | ₹6,705 Cr | ₹6,798 Cr | ₹7,035 Cr |
| Operating Income | ₹6,888 Cr | ₹6,652 Cr | ₹7,009 Cr | ₹6,654 Cr | ₹6,500 Cr | ₹6,378 Cr | ₹6,239 Cr | ₹5,934 Cr |
| Provisions and contingencies | ₹371 Cr | ₹-403 Cr | ₹280 Cr | ₹903 Cr | ₹1,560 Cr | ₹2,744 Cr | ₹3,461 Cr | ₹3,955 Cr |
| Profit Before Tax | ₹6,518 Cr | ₹7,055 Cr | ₹6,729 Cr | ₹5,751 Cr | ₹4,940 Cr | ₹3,634 Cr | ₹2,778 Cr | ₹1,979 Cr |
| Profit After Tax | ₹4,643 Cr | ₹4,649 Cr | ₹4,432 Cr | ₹3,716 Cr | ₹3,101 Cr | ₹2,253 Cr | ₹1,765 Cr | ₹1,211 Cr |
| % of Net NPAs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| % of Gross NPAs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EPS | ₹4.34 | ₹4.18 | ₹4.10 | ₹3.61 | ₹3.04 | ₹2.21 | ₹1.81 | ₹1.22 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| PUNJAB NATIONAL BANK | -3.4% | 1.1% | -18.2% |
| STATE BANK OF INDIA | -1% | -0.3% | -5.8% |
| BANK OF BARODA | -3.1% | -4% | -17.4% |
| INDIAN OVERSEAS BANK | -2.8% | -3.4% | -44% |
| UNION BANK OF INDIA | -4.6% | 0.1% | -2.3% |
| CANARA BANK | -5.9% | -2.8% | -10.4% |
| INDIAN BANK | -1.6% | 2.3% | 16.4% |
| UCO BANK | -4.3% | -3.3% | -45.3% |
| BANK OF INDIA | -4.5% | -1.9% | -4.8% |
PUNJAB NATIONAL BANK Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]| Net Interest Income | |
|---|---|
| Q-o-Q | -2.45 % |
| Y-o-Y | 3.89 % |
| Quarters | Net Interest Income | % Change | |
|---|---|---|---|
| Mar2025 | ₹10,884 Cr | -2.45 | |
| Dec2024 | ₹11,157 Cr | 4.69 | |
| Sep2024 | ₹10,657 Cr | 0.46 | |
| Jun2024 | ₹10,608 Cr | 1.26 | |
| Mar2024 | ₹10,476 Cr | 0.66 | |
| Dec2023 | ₹10,408 Cr | 3.68 | |
| Sep2023 | ₹10,038 Cr | 4.47 | |
| Jun2023 | ₹9,608 Cr | - | |
PUNJAB NATIONAL BANK Quarterly Operating Profit
| Operating Profit | |
|---|---|
| Q-o-Q | 3.56 % |
| Y-o-Y | 5.98 % |
| Quarters | Operating Profit | % Change | |
|---|---|---|---|
| Mar2025 | ₹6,888 Cr | 3.56 | |
| Dec2024 | ₹6,652 Cr | -5.10 | |
| Sep2024 | ₹7,009 Cr | 5.34 | |
| Jun2024 | ₹6,654 Cr | 2.37 | |
| Mar2024 | ₹6,500 Cr | 1.91 | |
| Dec2023 | ₹6,378 Cr | 2.23 | |
| Sep2023 | ₹6,239 Cr | 5.14 | |
| Jun2023 | ₹5,934 Cr | - | |
| Operating Margins | |
|---|---|
| Q-o-Q | 6.16 % |
| Y-o-Y | 2.01 % |
| Quarters | Operating Margin% | % Change | |
|---|---|---|---|
| Mar2025 | 63.29% | 6.16 | |
| Dec2024 | 59.62% | -9.35 | |
| Sep2024 | 65.77% | 4.86 | |
| Jun2024 | 62.72% | 1.10 | |
| Mar2024 | 62.04% | 1.24 | |
| Dec2023 | 61.28% | -1.42 | |
| Sep2023 | 62.16% | 0.65 | |
| Jun2023 | 61.76% | - | |
PUNJAB NATIONAL BANK Quarterly Profit After Tax
| Profit After Tax(PAT) | |
|---|---|
| Q-o-Q | -0.12 % |
| Y-o-Y | 49.73 % |
| Quarters | Profit After Tax | % Change | |
|---|---|---|---|
| Mar2025 | ₹4,643 Cr | -0.12 | |
| Dec2024 | ₹4,649 Cr | 4.89 | |
| Sep2024 | ₹4,432 Cr | 19.26 | |
| Jun2024 | ₹3,716 Cr | 19.84 | |
| Mar2024 | ₹3,101 Cr | 37.65 | |
| Dec2023 | ₹2,253 Cr | 27.66 | |
| Sep2023 | ₹1,765 Cr | 45.73 | |
| Jun2023 | ₹1,211 Cr | - | |
| PAT Margins | |
|---|---|
| Q-o-Q | -1.99 % |
| Y-o-Y | 32.10 % |
| Quarters | PAT Margin(%) | % Change | |
|---|---|---|---|
| Mar2025 | 14.28 % | -1.99 | |
| Dec2024 | 14.57 % | 0.07 | |
| Sep2024 | 14.56 % | 14.20 | |
| Jun2024 | 12.75 % | 17.95 | |
| Mar2024 | 10.81 % | 33.62 | |
| Dec2023 | 8.09 % | 23.14 | |
| Sep2023 | 6.57 % | 39.19 | |
| Jun2023 | 4.72 % | - | |
PUNJAB NATIONAL BANK Quarterly Earnings Per Share (EPS)
| EPS | |
|---|---|
| Q-o-Q | 3.83 % |
| Y-o-Y | 42.76 % |
| Quarters | EPS | % Change | |
|---|---|---|---|
| Mar2025 | ₹4.34 | 3.83 | |
| Dec2024 | ₹4.18 | 1.95 | |
| Sep2024 | ₹4.1 | 13.57 | |
| Jun2024 | ₹3.61 | 18.75 | |
| Mar2024 | ₹3.04 | 37.56 | |
| Dec2023 | ₹2.21 | 22.10 | |
| Sep2023 | ₹1.81 | 48.36 | |
| Jun2023 | ₹1.22 | - | |
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