Annual Results Results Snapshot
Figures in Rs cr
Standalone Annual Results
Mar'24
Mar'23
Mar'22
Mar'21
Mar'20
Mar'19
Mar'18
Interest Earned
1,06,901.62
85,144.11
74,879.53
80,818.41
53,800.03
51,310.25
47,995.76
Income On Investments
27,644.80
25,142.86
23,487.17
24,634.46
15,332.60
14,105.97
13,946.98
Interest On Balances With Rbi Other Inter Bank Funds
2,778.89
1,890.39
2,285.53
1,898.62
2,510.22
1,891.39
2,001.42
Interest / Discount On Advances / Bills
75,939.31
57,319.23
48,498.31
53,351.20
35,814.96
35,086.21
31,833.08
Others
538.62
791.63
608.52
934.13
142.25
226.68
214.28
Other Income
13,383.54
12,142.53
12,319.96
11,922.31
9,274.13
7,377.41
8,880.87
Total Income
1,20,285.16
97,286.64
87,199.49
92,740.72
63,074.16
58,687.66
56,876.63
Interest Expended
66,818.55
50,652.48
46,185.08
50,272.79
36,362.24
34,153.94
33,073.36
Net Interest Income
40,083.07
34,491.63
28,694.45
30,545.62
17,437.79
17,156.31
14,922.40
Total Expenditure (Excl Depreciation)
28,535.80
24,105.41
20,252.59
20,308.75
11,973.37
11,538.48
13,509.07
Employee Cost
18,486.31
14,810.01
11,841.01
12,175.74
6,961.68
6,963.16
9,168.80
Other Operating Expenses
10,049.49
9,295.40
8,411.58
8,133.01
5,011.69
4,575.32
4,340.27
Operating Profit Before Provisions and Contingencies
24,930.81
22,528.75
20,761.82
22,159.18
14,738.55
12,995.24
10,294.20
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
11,736.60
18,240.49
16,445.42
18,679.78
13,999.56
28,341.01
29,869.28
Profit Before Tax
13,194.21
4,288.26
4,316.40
3,479.40
738.99
-15,345.77
-19,575.08
Tax
4,949.59
1,781.06
859.44
1,457.78
402.79
-5,370.28
-7,292.26
Profit After Tax
8,244.62
2,507.20
3,456.96
2,021.62
336.20
-9,975.49
-12,282.82
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
8,244.62
2,507.20
3,456.96
2,021.62
336.20
-9,975.49
-12,282.82
Face Value
2.0
2.0
2.0
2.0
2.0
2.0
2.0
Reserves
95,968.74
89,198.33
86,236.07
81,641.36
56,251.28
36,838.37
37,921.34
Earnings per share (EPS)
7.49
2.28
3.14
1.93
0.5
-21.67
-44.49
Diluted Earnings per share
7.49
2.28
3.16
2.08
0.62
-30.94
-55.39
Operating Profit Margin (Excl OI)
62.33%
50.27%
50.99%
51.76%
51.72%
22.28%
9.62%
Gross Profit Margin
12.34%
5.04%
5.76%
4.31%
1.37%
-29.91%
-40.79%
PAT Margin
7.71%
2.94%
4.62%
2.5%
0.62%
-19.44%
-25.59%
Net Interest Margin
3.09%
3.06%
2.71%
2.88%
2.56%
2.3%
2.42%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
41.44%
43.0%
47.43%
45.48%
42.01%
43.51%
41.63%
CASA Amount
5,52,499.00
5,38,015.00
5,33,654.00
4,92,782.00
4,42,972.00
2,85,040.00
2,63,247.00
Capital Adequacy Ratio (Total)
15.97%
15.5%
14.5%
14.32%
14.14%
9.73%
9.2%
Capital Adequacy Ratio (Tier 1)
13.17%
12.69%
11.73%
11.49%
11.9%
6.21%
7.13%
Provision Coverage Ratio (%)
95.39%
86.9%
81.6%
80.14%
77.79%
74.5%
58.42%
Amount of Gross NPAs
56,343.05
77,327.67
92,448.04
1,04,423.42
73,478.76
78,472.70
86,620.05
Amount of Net NPAs
6,798.77
22,585.04
34,908.73
38,575.70
27,218.89
30,037.66
48,684.29
% of Net NPAs
0.73%
2.72%
4.8%
5.73%
5.78%
6.56%
11.24%
% of Gross NPAs
5.73%
8.74%
11.78%
14.12%
14.21%
15.5%
18.38%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
12131.0
12898.0
13350.0
13781.0
9168.0
9255.0
9668.0
Number of Branches
10136.0
10076.0
10098.0
10771.0
6563.0
6989.0
6983.0
Annual Analysis Highlights
Interest Earned
YoY Growth in year ended Mar 2024 is 25.55% vs 13.71% in Mar 2023
Net Profit
YoY Growth in year ended Mar 2024 is 228.84% vs -27.47% in Mar 2023
Operating Profit (PBDIT)
YoY Growth in year ended Mar 2024 is 10.66% vs 8.51% in Mar 2023
% of Net NPAs
YoY Growth in year ended Mar 2024 is -1.99% vs -2.08% in Mar 2023
% of Gross NPAs
YoY Growth in year ended Mar 2024 is -3.01% vs -3.04% in Mar 2023
Compare Annual Results Of Punjab Natl.Bank With
Figures in Rs cr
Standalone Annual Results
Change(INR)
Change(%)
Interest Earned
1,06,901.62
1,12,605.94
-5,704.32
-5.07%
Income On Investments
27,644.80
24,865.68
2,779.12
11.18%
Interest On Balances With Rbi Other Inter Bank Funds
2,778.89
1,721.08
1,057.81
61.46%
Interest / Discount On Advances / Bills
75,939.31
85,098.23
-9,158.92
-10.76%
Others
538.62
920.95
-382.33
-41.51%
Other Income
13,383.54
14,495.37
-1,111.83
-7.67%
Total Income
1,20,285.16
1,27,101.31
-6,816.15
-5.36%
Interest Expended
66,818.55
67,884.41
-1,065.86
-1.57%
Net Interest Income
40,083.07
44,721.53
-4,638.46
-10.37%
Total Expenditure (Excl Depreciation)
28,535.80
28,251.68
284.12
1.01%
Employee Cost
18,486.31
15,816.00
2,670.31
16.88%
Other Operating Expenses
10,049.49
12,435.68
-2,386.19
-19.19%
Operating Profit Before Provisions and Contingencies
24,930.81
30,965.22
-6,034.41
-19.49%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
11,736.60
6,075.61
5,660.99
93.18%
Profit Before Tax
13,194.21
24,889.61
-11,695.40
-46.99%
Tax
4,949.59
7,100.83
-2,151.24
-30.3%
Profit After Tax
8,244.62
17,788.78
-9,544.16
-53.65%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
8,244.62
17,788.78
-9,544.16
-53.65%
Face Value
2.00
2.00
0.00
Reserves
95,968.74
1,06,175.71
-10,206.97
-9.61%
Earnings per share (EPS)
7.49
34.36
-26.87
-78.2%
Diluted Earnings per share
7.49
34.40
-26.91
-78.23%
Operating Profit Margin (Excl OI)
62.33%
69.52%
0.00
-7.19%
Gross Profit Margin
12.34%
22.10%
0.00
-9.76%
PAT Margin
7.71%
15.80%
0.00
-8.09%
Net Interest Margin
3.09%
3.18%
-0.09
-0.09%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
41.44%
41.33%
0.11
0.11%
CASA Amount
5,52,499.00
4,66,400.00
86,099.00
18.46%
Capital Adequacy Ratio (Total)
15.97%
16.31%
-0.34
-0.34%
Capital Adequacy Ratio (Tier 1)
13.17%
14.07%
-0.90
-0.90%
Provision Coverage Ratio (%)
95.39%
93.30%
2.09
2.09%
Amount of Gross NPAs
56,343.05
31,833.63
24,509.42
76.99%
Amount of Net NPAs
6,798.77
7,213.34
-414.57
-5.75%
% of Net NPAs
0.73%
0.68%
0.05
0.05%
% of Gross NPAs
5.73%
2.92%
2.81
2.81%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
12,131.00
0.00
12,131.00
Number of Branches
10,136.00
0.00
10,136.00
Annual - Interest Earned
Interest Earned 106901.62 Cr
in Mar 2024Figures in Rs Cr
YoY Growth in year ended Mar 2024 is 25.55% vs 13.71% in Mar 2023
Annual - Net Profit
Net Profit 8,244.62 Cr
in Mar 2024Figures in Rs Cr
YoY Growth in year ended Mar 2024 is 228.84% vs -27.47% in Mar 2023
Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 24,930.81 Cr
in Mar 2024Figures in Rs Cr
YoY Growth in year ended Mar 2024 is 10.66% vs 8.51% in Mar 2023
Annual - % of Net NPAs
% of Net NPAs 0.73%
in Mar 2024Figures in Rs %
YoY Growth in year ended Mar 2024 is -1.99% vs -2.08% in Mar 2023
Annual - % of Gross NPAs
% of Gross NPAs 5.73%
in Mar 2024Figures in Rs %
YoY Growth in year ended Mar 2024 is -3.01% vs -3.04% in Mar 2023
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