PUNJAB NATIONAL BANK
Quarterly Results Analysis [Sep2025]
PUNJAB NATIONAL BANK Quarterly Results
| Consolidated | Sep2025 UnAudited |
Jun2025 UnAudited |
Mar2025 UnAudited |
Dec2024 UnAudited |
Sep2024 Audited |
Jun2024 Audited |
Mar2024 Audited |
Dec2023 Audited |
|---|---|---|---|---|---|---|---|---|
| Interest Earned | ₹32,513 Cr | ₹32,572 Cr | ₹32,523 Cr | ₹31,895 Cr | ₹30,447 Cr | ₹29,145 Cr | ₹28,682 Cr | ₹27,852 Cr |
| Other Income | ₹4,171 Cr | ₹5,427 Cr | ₹4,776 Cr | ₹3,392 Cr | ₹4,664 Cr | ₹3,615 Cr | ₹4,294 Cr | ₹2,676 Cr |
| Interest Expended | ₹21,858 Cr | ₹21,828 Cr | ₹21,640 Cr | ₹20,738 Cr | ₹19,790 Cr | ₹18,536 Cr | ₹18,206 Cr | ₹17,444 Cr |
| Expenses | ₹7,671 Cr | ₹8,852 Cr | ₹8,771 Cr | ₹7,897 Cr | ₹8,312 Cr | ₹7,570 Cr | ₹8,271 Cr | ₹6,705 Cr |
| Operating Income | ₹7,155 Cr | ₹7,319 Cr | ₹6,888 Cr | ₹6,652 Cr | ₹7,009 Cr | ₹6,654 Cr | ₹6,500 Cr | ₹6,378 Cr |
| Provisions and contingencies | ₹628 Cr | ₹345 Cr | ₹371 Cr | ₹-403 Cr | ₹280 Cr | ₹903 Cr | ₹1,560 Cr | ₹2,744 Cr |
| Profit Before Tax | ₹6,527 Cr | ₹6,973 Cr | ₹6,518 Cr | ₹7,055 Cr | ₹6,729 Cr | ₹5,751 Cr | ₹4,940 Cr | ₹3,634 Cr |
| Profit After Tax | ₹4,849 Cr | ₹1,832 Cr | ₹4,643 Cr | ₹4,649 Cr | ₹4,432 Cr | ₹3,716 Cr | ₹3,101 Cr | ₹2,253 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 | ₹4.46 | ₹1.84 | ₹4.34 | ₹4.18 | ₹4.10 | ₹3.61 | ₹3.04 | ₹2.21 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| PUNJAB NATIONAL BANK | -2.7% | 1.6% | 10.6% |
| STATE BANK OF INDIA | 0.7% | 3.8% | 10.2% |
| BANK OF BARODA | -1.4% | 7.5% | 9.1% |
| INDIAN OVERSEAS BANK | -2.4% | -4.3% | -26.6% |
| UNION BANK OF INDIA | -2.3% | -0.2% | 22.6% |
| CANARA BANK | -1.7% | 8% | 22% |
| INDIAN BANK | -0.2% | 11.2% | 48.3% |
| UCO BANK | -2.7% | 1.4% | -30.5% |
| BANK OF INDIA | -2.8% | 3.1% | 19.7% |
PUNJAB NATIONAL BANK Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]| Net Interest Income | |
|---|---|
| Q-o-Q | -0.83 % |
| Y-o-Y | -0.02 % |
| Quarters | Net Interest Income | % Change | |
|---|---|---|---|
| Sep2025 | ₹10,655 Cr | -0.83 | |
| Jun2025 | ₹10,744 Cr | -1.28 | |
| 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 | - | |
PUNJAB NATIONAL BANK Quarterly Operating Profit
| Operating Profit | |
|---|---|
| Q-o-Q | -2.24 % |
| Y-o-Y | 2.08 % |
| Quarters | Operating Profit | % Change | |
|---|---|---|---|
| Sep2025 | ₹7,155 Cr | -2.24 | |
| Jun2025 | ₹7,319 Cr | 6.24 | |
| 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 | - | |
| Operating Margins | |
|---|---|
| Q-o-Q | -1.42 % |
| Y-o-Y | 2.10 % |
| Quarters | Operating Margin% | % Change | |
|---|---|---|---|
| Sep2025 | 67.15% | -1.42 | |
| Jun2025 | 68.12% | 7.63 | |
| 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% | - | |
PUNJAB NATIONAL BANK Quarterly Profit After Tax
| Profit After Tax(PAT) | |
|---|---|
| Q-o-Q | 164.63 % |
| Y-o-Y | 9.40 % |
| Quarters | Profit After Tax | % Change | |
|---|---|---|---|
| Sep2025 | ₹4,849 Cr | 164.63 | |
| Jun2025 | ₹1,832 Cr | -60.54 | |
| 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 | - | |
| PAT Margins | |
|---|---|
| Q-o-Q | 164.83 % |
| Y-o-Y | 2.40 % |
| Quarters | PAT Margin(%) | % Change | |
|---|---|---|---|
| Sep2025 | 14.91 % | 164.83 | |
| Jun2025 | 5.63 % | -60.57 | |
| 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 % | - | |
PUNJAB NATIONAL BANK Quarterly Earnings Per Share (EPS)
| EPS | |
|---|---|
| Q-o-Q | 142.39 % |
| Y-o-Y | 8.78 % |
| Quarters | EPS | % Change | |
|---|---|---|---|
| Sep2025 | ₹4.46 | 142.39 | |
| Jun2025 | ₹1.84 | -57.60 | |
| 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 | - | |
You may also like the below Video Courses
Check out Intrinsic Value of Industry Peers of PUNJAB NATIONAL BANK
Compare Stock Analytics of PUNJAB NATIONAL BANK
STATE BANK OF INDIA vs PUNJAB NATIONAL BANK vs BANK OF BARODA
INDIAN OVERSEAS BANK vs UNION BANK OF INDIA vs CANARA BANK
STATE BANK OF INDIA vs PUNJAB NATIONAL BANK vs BANK OF BARODA
INDIAN OVERSEAS BANK vs UNION BANK OF INDIA vs CANARA BANK
