PUNJAB NATIONAL BANK
Quarterly Results Analysis [Dec2023]
PUNJAB NATIONAL BANK Quarterly Results
| Consolidated | Dec2023 Audited |
Sep2023 UnAudited |
Jun2023 UnAudited |
Mar2023 Audited |
Dec2022 UnAudited |
Sep2022 UnAudited |
Jun2022 UnAudited |
Mar2022 Audited |
|---|---|---|---|---|---|---|---|---|
| Interest Earned | ₹27,852 Cr | ₹26,858 Cr | ₹25,673 Cr | ₹24,305 Cr | ₹22,808 Cr | ₹20,588 Cr | ₹19,144 Cr | ₹19,090 Cr |
| Other Income | ₹2,676 Cr | ₹2,999 Cr | ₹3,360 Cr | ₹3,827 Cr | ₹3,325 Cr | ₹2,704 Cr | ₹2,384 Cr | ₹2,261 Cr |
| Interest Expended | ₹17,444 Cr | ₹16,820 Cr | ₹16,064 Cr | ₹14,690 Cr | ₹13,513 Cr | ₹12,172 Cr | ₹11,443 Cr | ₹11,497 Cr |
| Expenses | ₹6,705 Cr | ₹6,798 Cr | ₹7,035 Cr | ₹7,105 Cr | ₹6,859 Cr | ₹5,610 Cr | ₹4,762 Cr | ₹4,547 Cr |
| Operating Income | ₹6,378 Cr | ₹6,239 Cr | ₹5,934 Cr | ₹6,338 Cr | ₹5,762 Cr | ₹5,510 Cr | ₹5,323 Cr | ₹5,307 Cr |
| Provisions and contingencies | ₹2,744 Cr | ₹3,461 Cr | ₹3,955 Cr | ₹3,708 Cr | ₹4,719 Cr | ₹4,883 Cr | ₹4,761 Cr | ₹4,837 Cr |
| Profit Before Tax | ₹3,634 Cr | ₹2,778 Cr | ₹1,979 Cr | ₹2,630 Cr | ₹1,043 Cr | ₹626 Cr | ₹562 Cr | ₹470 Cr |
| Profit After Tax | ₹2,253 Cr | ₹1,765 Cr | ₹1,211 Cr | ₹1,741 Cr | ₹660 Cr | ₹364 Cr | ₹304 Cr | ₹245 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 | ₹0.00 | ₹1.81 | ₹1.22 | ₹1.69 | ₹0.00 | ₹0.45 | ₹0.26 | ₹0.31 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| PUNJAB NATIONAL BANK | 6.4% | -3.1% | 156.6% |
| STATE BANK OF INDIA | 2.3% | -2.6% | 43.1% |
| BANK OF BARODA | 5% | -2.7% | 59.4% |
| UNION BANK OF INDIA | 0.5% | 2.9% | 128.4% |
| INDIAN OVERSEAS BANK | 1.2% | -13.5% | 157.5% |
| CANARA BANK | 4.3% | -1.4% | 101.8% |
| INDIAN BANK | 5.3% | -2.6% | 79.2% |
| BANK OF INDIA | -0.3% | -2.4% | 84.8% |
| UCO BANK | 1.5% | -15% | 107% |
PUNJAB NATIONAL BANK Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]| Net Interest Income | |
|---|---|
| Q-o-Q | 3.68 % |
| Y-o-Y | 11.96 % |
| Quarters | Net Interest Income | % Change | |
|---|---|---|---|
| Dec2023 | ₹10,408 Cr | 3.68 | |
| Sep2023 | ₹10,038 Cr | 4.47 | |
| Jun2023 | ₹9,608 Cr | -0.08 | |
| Mar2023 | ₹9,616 Cr | 3.44 | |
| Dec2022 | ₹9,296 Cr | 10.45 | |
| Sep2022 | ₹8,416 Cr | 9.28 | |
| Jun2022 | ₹7,701 Cr | 1.42 | |
| Mar2022 | ₹7,593 Cr | - | |
PUNJAB NATIONAL BANK Quarterly Operating Profit
| Operating Profit | |
|---|---|
| Q-o-Q | 2.23 % |
| Y-o-Y | 10.69 % |
| Quarters | Operating Profit | % Change | |
|---|---|---|---|
| Dec2023 | ₹6,378 Cr | 2.23 | |
| Sep2023 | ₹6,239 Cr | 5.14 | |
| Jun2023 | ₹5,934 Cr | -6.37 | |
| Mar2023 | ₹6,338 Cr | 10.00 | |
| Dec2022 | ₹5,762 Cr | 4.58 | |
| Sep2022 | ₹5,510 Cr | 3.51 | |
| Jun2022 | ₹5,323 Cr | 0.30 | |
| Mar2022 | ₹5,307 Cr | - | |
| Operating Margins | |
|---|---|
| Q-o-Q | -1.42 % |
| Y-o-Y | -1.13 % |
| Quarters | Operating Margin% | % Change | |
|---|---|---|---|
| Dec2023 | 61.28% | -1.42 | |
| Sep2023 | 62.16% | 0.65 | |
| Jun2023 | 61.76% | -6.30 | |
| Mar2023 | 65.91% | 6.34 | |
| Dec2022 | 61.98% | -5.33 | |
| Sep2022 | 65.47% | -5.28 | |
| Jun2022 | 69.12% | -1.10 | |
| Mar2022 | 69.89% | - | |
PUNJAB NATIONAL BANK Quarterly Profit After Tax
| Profit After Tax(PAT) | |
|---|---|
| Q-o-Q | 27.66 % |
| Y-o-Y | 241.28 % |
| Quarters | Profit After Tax | % Change | |
|---|---|---|---|
| Dec2023 | ₹2,253 Cr | 27.66 | |
| Sep2023 | ₹1,765 Cr | 45.73 | |
| Jun2023 | ₹1,211 Cr | -30.46 | |
| Mar2023 | ₹1,741 Cr | 163.78 | |
| Dec2022 | ₹660 Cr | 81.47 | |
| Sep2022 | ₹364 Cr | 19.47 | |
| Jun2022 | ₹304 Cr | 24.24 | |
| Mar2022 | ₹245 Cr | - | |
| PAT Margins | |
|---|---|
| Q-o-Q | 23.14 % |
| Y-o-Y | 179.93 % |
| Quarters | PAT Margin(%) | % Change | |
|---|---|---|---|
| Dec2023 | 8.09 % | 23.14 | |
| Sep2023 | 6.57 % | 39.19 | |
| Jun2023 | 4.72 % | -34.08 | |
| Mar2023 | 7.16 % | 147.75 | |
| Dec2022 | 2.89 % | 63.28 | |
| Sep2022 | 1.77 % | 11.32 | |
| Jun2022 | 1.59 % | 24.22 | |
| Mar2022 | 1.28 % | - | |
PUNJAB NATIONAL BANK Quarterly Earnings Per Share (EPS)
| EPS | |
|---|---|
| Q-o-Q | -100.00 % |
| Y-o-Y | 0 |
| Quarters | EPS | % Change | |
|---|---|---|---|
| Dec2023 | ₹0 | -100.00 | |
| Sep2023 | ₹1.81 | 48.36 | |
| Jun2023 | ₹1.22 | -27.81 | |
| Mar2023 | ₹1.69 | 0 | |
| Dec2022 | ₹0 | -100.00 | |
| Sep2022 | ₹0.45 | 73.08 | |
| Jun2022 | ₹0.26 | -16.13 | |
| Mar2022 | ₹0.31 | - | |
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