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Punjab Natl.Bank

  • Market Cap: Large Cap
  • Industry: Bank - Public
  • ISIN: INE160A01022
  • NSEID: PNB
  • BSEID: 532461
INR
96.78
1.06 (1.11%)
BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 70.67 lacs

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stock-recommendationNine Monthly Results
Results Snapshot
Figures in Rs cr
Standalone Nine Monthly Results
Dec'24
Dec'23
Dec'22
Dec'21
Dec'20
Dec'19
Dec'18
Interest Earned
89,771.27
78,788.19
61,295.50
56,234.41
62,009.60
39,941.05
38,474.53
Income On Investments
22,688.95
20,681.47
18,572.52
17,582.17
18,628.47
11,397.54
10,563.44
Interest On Balances With Rbi Other Inter Bank Funds
2,335.95
2,001.00
1,372.18
1,779.19
1,424.29
1,838.35
1,494.23
Interest / Discount On Advances / Bills
63,876.03
55,825.61
40,675.73
36,444.97
41,482.53
26,595.01
26,274.74
Others
870.34
280.11
675.07
428.08
474.31
110.15
142.12
Other Income
11,593.48
9,135.93
8,722.19
9,869.91
9,345.11
6,744.79
5,488.00
Total Income
1,01,364.75
87,924.12
70,017.69
66,104.32
71,354.71
46,685.84
43,962.53
Interest Expended
57,746.08
49,068.23
36,302.62
34,844.09
38,420.81
27,180.80
25,518.51
Net Interest Income
32,025.19
29,719.96
24,992.88
21,390.32
23,588.79
12,760.25
12,956.02
Total Expenditure (Excl Depreciation)
23,563.65
20,340.76
17,052.75
15,763.17
15,263.31
8,698.77
8,309.96
Employee Cost
15,564.99
12,856.29
10,239.29
9,682.96
9,475.95
5,107.92
4,973.28
Other Operating Expenses
7,998.66
7,484.47
6,813.46
6,080.21
5,787.36
3,590.85
3,336.68
Operating Profit Before Provisions and Contingencies
20,055.02
18,515.13
16,662.32
15,497.06
17,670.59
10,806.27
10,134.06
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
1,314.93
10,148.55
14,409.91
11,593.95
15,139.46
9,098.25
18,269.90
Profit Before Tax
18,740.09
8,366.58
2,252.41
3,903.11
2,531.13
1,708.02
-8,135.84
Tax
6,676.89
3,132.23
903.82
647.72
1,095.84
674.62
-2,909.99
Profit After Tax
12,063.20
5,234.35
1,348.59
3,255.39
1,435.29
1,033.40
-5,225.85
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
12,063.20
5,234.35
1,348.59
3,255.39
1,435.29
1,033.40
-5,225.85
Face Value
2.0
2.0
2.0
2.0
2.0
2.0
2.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Operating Profit Margin (Excl OI)
73.75%
74.18%
72.18%
71.97%
75.39%
78.22%
78.4%
Gross Profit Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
PAT Margin
13.44%
6.64%
2.2%
5.79%
2.31%
2.59%
-13.58%
Net Interest Margin
2.93%
3.15%
3.16%
2.93%
3.09%
2.49%
2.42%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
38.12%
42.47%
43.72%
45.65%
44.66%
43.74%
43.42%
CASA Amount
5,62,156.00
5,47,516.00
5,16,534.00
5,05,958.00
4,70,282.00
4,42,140.00
2,73,856.00
Capital Adequacy Ratio (Total)
15.41%
14.63%
15.15%
14.91%
13.88%
14.04%
10.52%
Capital Adequacy Ratio (Tier 1)
12.53%
11.73%
12.21%
12.22%
10.9%
11.85%
8.25%
Provision Coverage Ratio (%)
96.77%
94.28%
85.17%
81.85%
85.16%
75.27%
68.85%
Amount of Gross NPAs
45,413.98
60,371.38
83,583.87
97,258.67
94,479.33
76,809.20
77,733.33
Amount of Net NPAs
4,437.43
8,815.88
26,363.13
33,878.56
26,598.13
30,518.92
35,675.12
% of Net NPAs
0.41%
0.96%
3.3%
4.9%
4.03%
7.18%
8.22%
% of Gross NPAs
4.09%
6.24%
9.76%
12.88%
12.99%
16.3%
16.33%
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
12034.0
12455.0
12957.0
13400.0
0.0
9071.0
9326.0
Number of Branches
10168.0
10108.0
10049.0
10264.0
0.0
7037.0
7001.0
Nine Monthly Analysis Highlights
stock-summary

Interest Earned

YoY Growth in nine months ended Dec 2024 is 13.94% vs 28.54% in Dec 2023

stock-summary

Net Profit

YoY Growth in nine months ended Dec 2024 is 130.46% vs 288.14% in Dec 2023

stock-summary

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2024 is 8.32% vs 11.12% in Dec 2023

stock-summary

% of Net NPAs

YoY Growth in nine months ended Dec 2024 is -0.55% vs -2.34% in Dec 2023

stock-summary

% of Gross NPAs

YoY Growth in nine months ended Dec 2024 is -2.15% vs -3.52% in Dec 2023

Compare Nine Monthly Results Of Punjab Natl.Bank With
Markets Mojo
Figures in Rs cr
Standalone Nine Monthly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
89,771.27
90,799.62
-1,028.35
-1.13%
Income On Investments
22,688.95
19,527.34
3,161.61
16.19%
Interest On Balances With Rbi Other Inter Bank Funds
2,335.95
1,191.93
1,144.02
95.98%
Interest / Discount On Advances / Bills
63,876.03
69,529.09
-5,653.06
-8.13%
Others
870.34
551.26
319.08
57.88%
Other Income
11,593.48
11,437.50
155.98
1.36%
Total Income
1,01,364.75
1,02,237.12
-872.37
-0.85%
Interest Expended
57,746.08
56,160.57
1,585.51
2.82%
Net Interest Income
32,025.19
34,639.05
-2,613.86
-7.55%
Total Expenditure (Excl Depreciation)
23,563.65
21,774.04
1,789.61
8.22%
Employee Cost
15,564.99
12,260.40
3,304.59
26.95%
Other Operating Expenses
7,998.66
9,513.64
-1,514.98
-15.92%
Operating Profit Before Provisions and Contingencies
20,055.02
24,302.51
-4,247.49
-17.48%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
1,314.93
4,428.74
-3,113.81
-70.31%
Profit Before Tax
18,740.09
19,873.77
-1,133.68
-5.7%
Tax
6,676.89
5,340.35
1,336.54
25.03%
Profit After Tax
12,063.20
14,533.42
-2,470.22
-17.0%
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
12,063.20
14,533.42
-2,470.22
-17.0%
Face Value
2.00
2.00
0.00
Reserves
0.00
0.00
0.00
PAT Margin
13.44%
16.01%
0.00
-2.57%
Net Interest Margin
2.93%
2.94%
-0.01
-0.01%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
38.12%
39.68%
-1.56
-1.56%
CASA Amount
5,62,156.00
4,62,618.00
99,538.00
21.52%
Capital Adequacy Ratio (Total)
15.41%
15.96%
-0.55
-0.55%
Capital Adequacy Ratio (Tier 1)
12.53%
13.44%
-0.91
-0.91%
Provision Coverage Ratio (%)
96.77%
93.51%
3.26
3.26%
Amount of Gross NPAs
45,413.98
28,471.22
16,942.76
59.51%
Amount of Net NPAs
4,437.43
6,825.06
-2,387.63
-34.98%
% of Net NPAs
0.41%
0.59%
-0.18
-0.18%
% of Gross NPAs
4.09%
2.43%
1.66
1.66%
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
12,034.00
0.00
12,034.00
Number of Branches
10,168.00
0.00
10,168.00
Nine Monthly - Interest Earned
Interest Earned 89771.27 Cr
in Dec 2024

Figures in Rs Cr
stock-summary

YoY Growth in nine months ended Dec 2024 is 13.94% vs 28.54% in Dec 2023

Nine Monthly - Net Profit
Net Profit 12,063.20 Cr
in Dec 2024

Figures in Rs Cr
stock-summary

YoY Growth in nine months ended Dec 2024 is 130.46% vs 288.14% in Dec 2023

Nine Monthly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 20,055.02 Cr
in Dec 2024

Figures in Rs Cr
stock-summary

YoY Growth in nine months ended Dec 2024 is 8.32% vs 11.12% in Dec 2023

Nine Monthly - % of Net NPAs
% of Net NPAs 0.41%
in Dec 2024

Figures in Rs %
stock-summary

YoY Growth in nine months ended Dec 2024 is -0.55% vs -2.34% in Dec 2023

Nine Monthly - % of Gross NPAs
% of Gross NPAs 4.09%
in Dec 2024

Figures in Rs %
stock-summary

YoY Growth in nine months ended Dec 2024 is -2.15% vs -3.52% in Dec 2023

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