Quarterly Results Results Snapshot
YoYQoQ
Figures in Rs cr
Standalone Quarterly Results
Dec'24
Sep'24
Jun'24
Mar'24
Dec'23
Sep'23
Jun'23
Interest Earned
31,339.83
29,875.01
28,556.43
28,113.43
27,287.81
26,354.92
25,145.46
Income On Investments
7,740.77
7,716.43
7,231.75
6,963.33
7,011.11
7,095.12
6,575.24
Interest On Balances With Rbi Other Inter Bank Funds
836.70
806.04
693.21
777.89
579.35
702.30
719.35
Interest / Discount On Advances / Bills
22,239.99
21,184.26
20,451.78
20,113.70
19,604.88
18,464.29
17,756.44
Others
522.37
168.28
179.69
258.51
92.47
93.21
94.43
Other Income
3,411.87
4,572.09
3,609.52
4,247.61
2,673.84
3,028.28
3,433.81
Total Income
34,751.70
34,447.10
32,165.95
32,361.04
29,961.65
29,383.20
28,579.27
Interest Expended
20,307.58
19,358.32
18,080.18
17,750.32
16,995.02
16,432.00
15,641.21
Net Interest Income
11,032.25
10,516.69
10,476.25
10,363.11
10,292.79
9,922.92
9,504.25
Total Expenditure (Excl Depreciation)
7,823.57
8,235.47
7,504.61
8,195.04
6,635.92
6,734.77
6,970.07
Employee Cost
5,263.78
5,750.40
4,550.81
5,630.02
4,169.22
4,200.06
4,487.01
Other Operating Expenses
2,559.79
2,485.07
2,953.80
2,565.02
2,466.70
2,534.71
2,483.06
Operating Profit Before Provisions and Contingencies
6,620.55
6,853.31
6,581.16
6,415.68
6,330.71
6,216.43
5,967.99
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
-285.40
288.01
1,312.32
1,588.05
2,739.11
3,444.18
3,965.26
Profit Before Tax
6,905.95
6,565.30
5,268.84
4,827.63
3,591.60
2,772.25
2,002.73
Tax
2,397.74
2,261.84
2,017.31
1,817.36
1,368.79
1,016.12
747.32
Profit After Tax
4,508.21
4,303.46
3,251.53
3,010.27
2,222.81
1,756.13
1,255.41
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
4,508.21
4,303.46
3,251.53
3,010.27
2,222.81
1,756.13
1,255.41
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
Earnings per share (EPS)
3.92
3.74
2.95
2.73
2.02
1.59
1.14
Diluted Earnings per share
3.92
3.9
2.95
2.73
2.02
1.59
1.14
Operating Profit Margin (Excl OI)
75.95%
71.47%
69.12%
65.2%
65.64%
61.38%
56.51%
Gross Profit Margin
22.04%
21.98%
18.45%
17.17%
13.16%
10.52%
7.96%
PAT Margin
14.38%
14.4%
11.39%
10.71%
8.15%
6.66%
4.99%
Net Interest Margin
2.93%
2.92%
3.07%
3.1%
3.15%
3.11%
3.08%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
38.12%
39.31%
40.08%
41.44%
42.47%
42.15%
41.9%
CASA Amount
5,62,156.00
5,56,739.00
5,49,079.00
5,52,499.00
5,47,516.00
5,38,276.00
5,30,842.00
Capital Adequacy Ratio (Total)
15.41%
16.36%
15.79%
15.97%
14.63%
15.09%
15.54%
Capital Adequacy Ratio (Tier 1)
12.53%
13.63%
13.04%
13.17%
11.73%
12.02%
12.29%
Provision Coverage Ratio (%)
96.77%
96.67%
95.9%
95.39%
94.28%
91.91%
89.83%
Amount of Gross NPAs
45,413.98
47,582.25
51,262.78
56,343.05
60,371.38
65,563.12
70,899.34
Amount of Net NPAs
4,437.43
4,674.24
5,930.06
6,798.77
8,815.88
13,114.12
17,129.47
% of Net NPAs
0.41%
0.46%
0.6%
0.73%
0.96%
1.47%
1.98%
% of Gross NPAs
4.09%
4.48%
4.98%
5.73%
6.24%
6.96%
7.73%
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
12040.0
12080.0
12131.0
12455.0
12645.0
12820.0
Number of Branches
10168.0
10159.0
10150.0
10136.0
10108.0
10092.0
10080.0
Quarterly Analysis Highlights - QoQ
Interest Earned
QoQ Growth in quarter ended Dec 2024 is 4.9% vs 4.62% in Sep 2024
Net Profit
QoQ Growth in quarter ended Dec 2024 is 4.76% vs 32.35% in Sep 2024
Operating Profit (PBDIT)
QoQ Growth in quarter ended Dec 2024 is -3.40% vs 4.14% in Sep 2024
% of Net NPAs
QoQ Growth in quarter ended Dec 2024 is -0.05% vs -0.14% in Sep 2024
% of Gross NPAs
QoQ Growth in quarter ended Dec 2024 is -0.39% vs -0.50% in Sep 2024
Compare Quarterly Results Of Punjab Natl.Bank With
Figures in Rs cr
Standalone Quarterly Results
Change(INR)
Change(%)
Interest Earned
31,339.83
30,907.61
432.22
1.4%
Income On Investments
7,740.77
6,553.23
1,187.54
18.12%
Interest On Balances With Rbi Other Inter Bank Funds
836.70
415.18
421.52
101.53%
Interest / Discount On Advances / Bills
22,239.99
23,811.07
-1,571.08
-6.6%
Others
522.37
128.13
394.24
307.69%
Other Income
3,411.87
3,768.86
-356.99
-9.47%
Total Income
34,751.70
34,676.47
75.23
0.22%
Interest Expended
20,307.58
19,490.72
816.86
4.19%
Net Interest Income
11,032.25
11,416.89
-384.64
-3.37%
Total Expenditure (Excl Depreciation)
7,823.57
7,521.51
302.06
4.02%
Employee Cost
5,263.78
4,206.68
1,057.10
25.13%
Other Operating Expenses
2,559.79
3,314.83
-755.04
-22.78%
Operating Profit Before Provisions and Contingencies
6,620.55
7,664.24
-1,043.69
-13.62%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
-285.40
1,082.34
-1,367.74
-126.37%
Profit Before Tax
6,905.95
6,581.90
324.05
4.92%
Tax
2,397.74
1,744.56
653.18
37.44%
Profit After Tax
4,508.21
4,837.34
-329.13
-6.8%
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
4,508.21
4,837.34
-329.13
-6.8%
Face Value
2.00
2.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
3.92
9.34
-5.42
-58.03%
Diluted Earnings per share
3.92
9.35
-5.43
-58.07%
Operating Profit Margin (Excl OI)
75.95%
72.16%
0.00
3.79%
Gross Profit Margin
22.04%
21.30%
0.00
0.74%
PAT Margin
14.38%
15.65%
0.00
-1.27%
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
Quarterly - Interest Earned
Interest Earned 31339.83 Cr
in Dec 2024Figures in Rs Cr
QoQ Growth in quarter ended Dec 2024 is 4.9% vs 4.62% in Sep 2024
YoY Growth in quarter ended Dec 2024 is 14.85% vs 21.91% in Dec 2023
Quarterly - Net Profit
Net Profit 4,508.21 Cr
in Dec 2024Figures in Rs Cr
QoQ Growth in quarter ended Dec 2024 is 4.76% vs 32.35% in Sep 2024
YoY Growth in quarter ended Dec 2024 is 102.82% vs 253.46% in Dec 2023
Quarterly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 6,620.55 Cr
in Dec 2024Figures in Rs Cr
QoQ Growth in quarter ended Dec 2024 is -3.40% vs 4.14% in Sep 2024
YoY Growth in quarter ended Dec 2024 is 4.58% vs 10.76% in Dec 2023
Quarterly - % of Net NPAs
% of Net NPAs 0.41%
in Dec 2024Figures in Rs %
QoQ Growth in quarter ended Dec 2024 is -0.05% vs -0.14% in Sep 2024
YoY Growth in quarter ended Dec 2024 is -0.55% vs -2.34% in Dec 2023
Quarterly - % of Gross NPAs
% of Gross NPAs 4.09%
in Dec 2024Figures in Rs %
QoQ Growth in quarter ended Dec 2024 is -0.39% vs -0.50% in Sep 2024
YoY Growth in quarter ended Dec 2024 is -2.15% vs -3.52% in Dec 2023
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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