PUNJAB NATIONAL BANK
Quarterly Results Analysis [Sep2026]
PUNJAB NATIONAL BANK Quarterly Results
| Consolidated | Sep2026 UnAudited |
Jun2026 UnAudited |
Mar2026 UnAudited |
Dec2025 UnAudited |
Sep2025 UnAudited |
Jun2025 UnAudited |
Mar2025 UnAudited |
Dec2024 UnAudited |
|---|---|---|---|---|---|---|---|---|
| Interest Earned | ₹35,267 Cr | ₹33,589 Cr | ₹32,798 Cr | ₹32,889 Cr | ₹32,513 Cr | ₹32,572 Cr | ₹32,523 Cr | ₹31,895 Cr |
| Other Income | ₹3,524 Cr | ₹4,365 Cr | ₹4,080 Cr | ₹5,013 Cr | ₹4,171 Cr | ₹5,427 Cr | ₹4,776 Cr | ₹3,392 Cr |
| Interest Expended | ₹23,464 Cr | ₹22,583 Cr | ₹22,219 Cr | ₹22,164 Cr | ₹21,858 Cr | ₹21,828 Cr | ₹21,640 Cr | ₹20,738 Cr |
| Expenses | ₹7,763 Cr | ₹7,708 Cr | ₹7,138 Cr | ₹8,168 Cr | ₹7,671 Cr | ₹8,852 Cr | ₹8,771 Cr | ₹7,897 Cr |
| Operating Income | ₹7,564 Cr | ₹7,663 Cr | ₹7,521 Cr | ₹7,570 Cr | ₹7,155 Cr | ₹7,319 Cr | ₹6,888 Cr | ₹6,652 Cr |
| Provisions and contingencies | ₹75 Cr | ₹555 Cr | ₹380 Cr | ₹1,130 Cr | ₹628 Cr | ₹345 Cr | ₹371 Cr | ₹-403 Cr |
| Profit Before Tax | ₹7,488 Cr | ₹7,108 Cr | ₹7,141 Cr | ₹6,440 Cr | ₹6,527 Cr | ₹6,973 Cr | ₹6,518 Cr | ₹7,055 Cr |
| Profit After Tax | ₹5,561 Cr | ₹5,339 Cr | ₹5,225 Cr | ₹5,190 Cr | ₹4,849 Cr | ₹1,832 Cr | ₹4,643 Cr | ₹4,649 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 | ₹5.13 | ₹5.06 | ₹4.87 | ₹4.83 | ₹4.46 | ₹1.84 | ₹4.34 | ₹4.18 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| PUNJAB NATIONAL BANK | 0.1% | -0.4% | -1.8% |
| STATE BANK OF INDIA | 2.2% | -3% | 9.2% |
| BANK OF BARODA | -2.1% | -1.9% | -14.5% |
| UNION BANK OF INDIA | 0.3% | -3.2% | 24% |
| CANARA BANK | 0.4% | -3.5% | -8% |
| INDIAN BANK | 4.8% | 1.5% | 7.7% |
| INDIAN OVERSEAS BANK | 2.4% | -3.5% | -23.5% |
| BANK OF INDIA | -0.7% | -4.4% | 3.1% |
| BANK OF MAHARASHTRA | -4% | -0.6% | 39.7% |
PUNJAB NATIONAL BANK Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]| Net Interest Income | |
|---|---|
| Q-o-Q | 7.24 % |
| Y-o-Y | 10.78 % |
| Quarters | Net Interest Income | % Change | |
|---|---|---|---|
| Sep2026 | ₹11,803 Cr | 7.24 | |
| Jun2026 | ₹11,006 Cr | 4.04 | |
| Mar2026 | ₹10,579 Cr | -1.36 | |
| Dec2025 | ₹10,725 Cr | 0.66 | |
| Sep2025 | ₹10,655 Cr | -0.83 | |
| Jun2025 | ₹10,744 Cr | -1.28 | |
| Mar2025 | ₹10,884 Cr | -2.45 | |
| Dec2024 | ₹11,157 Cr | - | |
PUNJAB NATIONAL BANK Quarterly Operating Profit
| Operating Profit | |
|---|---|
| Q-o-Q | -1.29 % |
| Y-o-Y | 5.71 % |
| Quarters | Operating Profit | % Change | |
|---|---|---|---|
| Sep2026 | ₹7,564 Cr | -1.29 | |
| Jun2026 | ₹7,663 Cr | 1.88 | |
| Mar2026 | ₹7,521 Cr | -0.65 | |
| Dec2025 | ₹7,570 Cr | 5.81 | |
| Sep2025 | ₹7,155 Cr | -2.24 | |
| Jun2025 | ₹7,319 Cr | 6.24 | |
| Mar2025 | ₹6,888 Cr | 3.56 | |
| Dec2024 | ₹6,652 Cr | - | |
| Operating Margins | |
|---|---|
| Q-o-Q | -7.96 % |
| Y-o-Y | -4.57 % |
| Quarters | Operating Margin% | % Change | |
|---|---|---|---|
| Sep2026 | 64.08% | -7.96 | |
| Jun2026 | 69.62% | -2.08 | |
| Mar2026 | 71.1% | 0.72 | |
| Dec2025 | 70.59% | 5.12 | |
| Sep2025 | 67.15% | -1.42 | |
| Jun2025 | 68.12% | 7.63 | |
| Mar2025 | 63.29% | 6.16 | |
| Dec2024 | 59.62% | - | |
PUNJAB NATIONAL BANK Quarterly Profit After Tax
| Profit After Tax(PAT) | |
|---|---|
| Q-o-Q | 4.16 % |
| Y-o-Y | 14.69 % |
| Quarters | Profit After Tax | % Change | |
|---|---|---|---|
| Sep2026 | ₹5,561 Cr | 4.16 | |
| Jun2026 | ₹5,339 Cr | 2.18 | |
| Mar2026 | ₹5,225 Cr | 0.68 | |
| Dec2025 | ₹5,190 Cr | 7.04 | |
| Sep2025 | ₹4,849 Cr | 164.63 | |
| Jun2025 | ₹1,832 Cr | -60.54 | |
| Mar2025 | ₹4,643 Cr | -0.12 | |
| Dec2024 | ₹4,649 Cr | - | |
| PAT Margins | |
|---|---|
| Q-o-Q | -0.82 % |
| Y-o-Y | 5.77 % |
| Quarters | PAT Margin(%) | % Change | |
|---|---|---|---|
| Sep2026 | 15.77 % | -0.82 | |
| Jun2026 | 15.9 % | -0.19 | |
| Mar2026 | 15.93 % | 0.95 | |
| Dec2025 | 15.78 % | 5.84 | |
| Sep2025 | 14.91 % | 164.83 | |
| Jun2025 | 5.63 % | -60.57 | |
| Mar2025 | 14.28 % | -1.99 | |
| Dec2024 | 14.57 % | - | |
PUNJAB NATIONAL BANK Quarterly Earnings Per Share (EPS)
| EPS | |
|---|---|
| Q-o-Q | 1.38 % |
| Y-o-Y | 15.02 % |
| Quarters | EPS | % Change | |
|---|---|---|---|
| Sep2026 | ₹5.13 | 1.38 | |
| Jun2026 | ₹5.06 | 3.90 | |
| Mar2026 | ₹4.87 | 0.83 | |
| Dec2025 | ₹4.83 | 8.30 | |
| Sep2025 | ₹4.46 | 142.39 | |
| Jun2025 | ₹1.84 | -57.60 | |
| Mar2025 | ₹4.34 | 3.83 | |
| Dec2024 | ₹4.18 | - | |
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