PUNJAB NATIONAL BANK
Quarterly Results Analysis [Dec2024]
PUNJAB NATIONAL BANK Quarterly Results
| Consolidated | Dec2024 UnAudited |
Sep2024 Audited |
Jun2024 Audited |
Mar2024 Audited |
Dec2023 Audited |
Sep2023 Audited |
Jun2023 UnAudited |
Mar2023 Audited |
|---|---|---|---|---|---|---|---|---|
| Interest Earned | ₹31,895 Cr | ₹30,447 Cr | ₹29,145 Cr | ₹28,682 Cr | ₹27,852 Cr | ₹26,858 Cr | ₹25,673 Cr | ₹24,305 Cr |
| Other Income | ₹3,392 Cr | ₹4,664 Cr | ₹3,615 Cr | ₹4,294 Cr | ₹2,676 Cr | ₹2,999 Cr | ₹3,360 Cr | ₹3,827 Cr |
| Interest Expended | ₹20,738 Cr | ₹19,790 Cr | ₹18,536 Cr | ₹18,206 Cr | ₹17,444 Cr | ₹16,820 Cr | ₹16,064 Cr | ₹14,690 Cr |
| Expenses | ₹7,897 Cr | ₹8,312 Cr | ₹7,570 Cr | ₹8,271 Cr | ₹6,705 Cr | ₹6,798 Cr | ₹7,035 Cr | ₹7,105 Cr |
| Operating Income | ₹6,652 Cr | ₹7,009 Cr | ₹6,654 Cr | ₹6,500 Cr | ₹6,378 Cr | ₹6,239 Cr | ₹5,934 Cr | ₹6,338 Cr |
| Provisions and contingencies | ₹-403 Cr | ₹280 Cr | ₹903 Cr | ₹1,560 Cr | ₹2,744 Cr | ₹3,461 Cr | ₹3,955 Cr | ₹3,708 Cr |
| Profit Before Tax | ₹7,055 Cr | ₹6,729 Cr | ₹5,751 Cr | ₹4,940 Cr | ₹3,634 Cr | ₹2,778 Cr | ₹1,979 Cr | ₹2,630 Cr |
| Profit After Tax | ₹4,649 Cr | ₹4,432 Cr | ₹3,716 Cr | ₹3,101 Cr | ₹2,253 Cr | ₹1,765 Cr | ₹1,211 Cr | ₹1,741 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 | ₹0.00 | ₹4.10 | ₹3.61 | ₹3.04 | ₹0.00 | ₹1.81 | ₹1.22 | ₹1.69 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| PUNJAB NATIONAL BANK | 0.4% | -2.5% | -17.8% |
| STATE BANK OF INDIA | -1.8% | -1.1% | 17.7% |
| BANK OF BARODA | 4.2% | -4.9% | -12.1% |
| UNION BANK OF INDIA | 6% | 10.4% | -17.7% |
| INDIAN OVERSEAS BANK | 1.2% | 1.6% | -23.8% |
| CANARA BANK | 2.4% | -0.9% | -8% |
| INDIAN BANK | 2.2% | 9.4% | -0.2% |
| BANK OF INDIA | -0.7% | 9% | -19.4% |
| UCO BANK | -1% | 0.9% | -27% |
PUNJAB NATIONAL BANK Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]| Net Interest Income | |
|---|---|
| Q-o-Q | 4.69 % |
| Y-o-Y | 7.20 % |
| Quarters | Net Interest Income | % Change | |
|---|---|---|---|
| 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 | 3.68 | |
| Sep2023 | ₹10,038 Cr | 4.47 | |
| Jun2023 | ₹9,608 Cr | -0.08 | |
| Mar2023 | ₹9,616 Cr | - | |
PUNJAB NATIONAL BANK Quarterly Operating Profit
| Operating Profit | |
|---|---|
| Q-o-Q | -5.10 % |
| Y-o-Y | 4.29 % |
| Quarters | Operating Profit | % Change | |
|---|---|---|---|
| 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 | 2.23 | |
| Sep2023 | ₹6,239 Cr | 5.14 | |
| Jun2023 | ₹5,934 Cr | -6.37 | |
| Mar2023 | ₹6,338 Cr | - | |
| Operating Margins | |
|---|---|
| Q-o-Q | -9.35 % |
| Y-o-Y | -2.71 % |
| Quarters | Operating Margin% | % Change | |
|---|---|---|---|
| Dec2024 | 59.62% | -9.35 | |
| Sep2024 | 65.77% | 4.86 | |
| Jun2024 | 62.72% | 1.10 | |
| Mar2024 | 62.04% | 1.24 | |
| Dec2023 | 61.28% | -1.42 | |
| Sep2023 | 62.16% | 0.65 | |
| Jun2023 | 61.76% | -6.30 | |
| Mar2023 | 65.91% | - | |
PUNJAB NATIONAL BANK Quarterly Profit After Tax
| Profit After Tax(PAT) | |
|---|---|
| Q-o-Q | 4.89 % |
| Y-o-Y | 106.36 % |
| Quarters | Profit After Tax | % Change | |
|---|---|---|---|
| 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 | 27.66 | |
| Sep2023 | ₹1,765 Cr | 45.73 | |
| Jun2023 | ₹1,211 Cr | -30.46 | |
| Mar2023 | ₹1,741 Cr | - | |
| PAT Margins | |
|---|---|
| Q-o-Q | 0.07 % |
| Y-o-Y | 80.10 % |
| Quarters | PAT Margin(%) | % Change | |
|---|---|---|---|
| Dec2024 | 14.57 % | 0.07 | |
| Sep2024 | 14.56 % | 14.20 | |
| Jun2024 | 12.75 % | 17.95 | |
| Mar2024 | 10.81 % | 33.62 | |
| Dec2023 | 8.09 % | 23.14 | |
| Sep2023 | 6.57 % | 39.19 | |
| Jun2023 | 4.72 % | -34.08 | |
| Mar2023 | 7.16 % | - | |
PUNJAB NATIONAL BANK Quarterly Earnings Per Share (EPS)
| EPS | |
|---|---|
| Q-o-Q | -100.00 % |
| Y-o-Y | 0 |
| Quarters | EPS | % Change | |
|---|---|---|---|
| Dec2024 | ₹0 | -100.00 | |
| Sep2024 | ₹4.1 | 13.57 | |
| Jun2024 | ₹3.61 | 18.75 | |
| Mar2024 | ₹3.04 | 0 | |
| Dec2023 | ₹0 | -100.00 | |
| Sep2023 | ₹1.81 | 48.36 | |
| Jun2023 | ₹1.22 | -27.81 | |
| Mar2023 | ₹1.69 | - | |
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