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Punjab Natl.Bank

  • Market Cap: Large Cap
  • Industry: Public Sector Bank
  • ISIN: INE160A01022
  • NSEID: PNB
  • BSEID: 532461
INR
121.65
2.1 (1.76%)
BSENSE

Dec 05

BSE+NSE Vol: 2.13 cr

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stock-recommendationAnnual Results
Results Snapshot
Figures in Cr
Standalone Annual Results
Mar'25
Mar'24
Mar'23
Mar'22
Mar'21
Mar'20
Mar'19
Interest Earned
1,21,760.73
1,06,901.62
85,144.11
74,879.53
80,818.41
53,800.03
51,310.25
Income On Investments
30,700.55
27,644.80
25,142.86
23,487.17
24,634.46
15,332.60
14,105.97
Interest On Balances With Rbi Other Inter Bank Funds
3,465.86
2,778.89
1,890.39
2,285.53
1,898.62
2,510.22
1,891.39
Interest / Discount On Advances / Bills
86,100.95
75,939.31
57,319.23
48,498.31
53,351.20
35,814.96
35,086.21
Others
1,493.37
538.62
791.63
608.52
934.13
142.25
226.68
Other Income
16,309.37
13,383.54
12,142.53
12,319.96
11,922.31
9,274.13
7,377.41
Total Income
1,38,070.10
1,20,285.16
97,286.64
87,199.49
92,740.72
63,074.16
58,687.66
Interest Expended
78,978.56
66,818.55
50,652.48
46,185.08
50,272.79
36,362.24
34,153.94
Net Interest Income
42,782.17
40,083.07
34,491.63
28,694.45
30,545.62
17,437.79
17,156.31
Total Expenditure (Excl Depreciation)
32,260.87
28,535.80
24,105.41
20,252.59
20,308.75
11,973.37
11,538.48
Employee Cost
21,357.72
18,486.31
14,810.01
11,841.01
12,175.74
6,961.68
6,963.16
Other Operating Expenses
10,903.15
10,049.49
9,295.40
8,411.58
8,133.01
5,011.69
4,575.32
Operating Profit Before Provisions and Contingencies
26,830.67
24,930.81
22,528.75
20,761.82
22,159.18
14,738.55
12,995.24
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
1,674.60
11,736.60
18,240.49
16,445.42
18,679.78
13,999.56
28,341.01
Profit Before Tax
25,156.07
13,194.21
4,288.26
4,316.40
3,479.40
738.99
-15,345.77
Tax
8,525.87
4,949.59
1,781.06
859.44
1,457.78
402.79
-5,370.28
Profit After Tax
16,630.20
8,244.62
2,507.20
3,456.96
2,021.62
336.20
-9,975.49
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
16,630.20
8,244.62
2,507.20
3,456.96
2,021.62
336.20
-9,975.49
Face Value
2.0
2.0
2.0
2.0
2.0
2.0
2.0
Reserves
1,16,755.23
95,968.74
89,198.33
86,236.07
81,641.36
56,251.28
36,838.37
Earnings per share (EPS)
14.47
7.49
2.28
3.14
1.93
0.5
-21.67
Diluted Earnings per share
14.77
7.49
2.28
3.16
2.08
0.62
-30.94
Operating Profit Margin (Excl OI)
72.13%
62.33%
50.27%
50.99%
51.76%
51.72%
22.28%
Gross Profit Margin
20.66%
12.34%
5.04%
5.76%
4.31%
1.37%
-29.91%
PAT Margin
13.66%
7.71%
2.94%
4.62%
2.5%
0.62%
-19.44%
Net Interest Margin
2.93%
3.09%
3.06%
2.71%
2.88%
2.56%
2.3%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
37.95%
41.44%
43.0%
47.43%
45.48%
42.01%
43.51%
CASA Amount
5,73,543.00
5,52,499.00
5,38,015.00
5,33,654.00
4,92,782.00
4,42,972.00
2,85,040.00
Capital Adequacy Ratio (Total)
17.01%
15.97%
15.5%
14.5%
14.32%
14.14%
9.73%
Capital Adequacy Ratio (Tier 1)
14.05%
13.17%
12.69%
11.73%
11.49%
11.9%
6.21%
Provision Coverage Ratio (%)
96.82%
95.39%
86.9%
81.6%
80.14%
77.79%
74.5%
Amount of Gross NPAs
44,081.60
56,343.05
77,327.67
92,448.04
1,04,423.42
73,478.76
78,472.70
Amount of Net NPAs
4,290.55
6,798.77
22,585.04
34,908.73
38,575.70
27,218.89
30,037.66
% of Net NPAs
0.4%
0.73%
2.72%
4.8%
5.73%
5.78%
6.56%
% of Gross NPAs
3.95%
5.73%
8.74%
11.78%
14.12%
14.21%
15.5%
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
11822.0
12131.0
12898.0
13350.0
13781.0
9168.0
9255.0
Number of Branches
10189.0
10136.0
10076.0
10098.0
10771.0
6563.0
6989.0
Annual Analysis Highlights
stock-summary

Interest Earned

YoY Growth in year ended Mar 2025 is 13.9% vs 25.55% in Mar 2024

stock-summary

Net Profit

YoY Growth in year ended Mar 2025 is 101.71% vs 228.84% in Mar 2024

stock-summary

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2025 is 7.62% vs 10.66% in Mar 2024

stock-summary

% of Net NPAs

YoY Growth in year ended Mar 2025 is -0.33% vs -1.99% in Mar 2024

stock-summary

% of Gross NPAs

YoY Growth in year ended Mar 2025 is -1.78% vs -3.01% in Mar 2024

Compare Annual Results Of Punjab Natl.Bank With
Markets Mojo
Figures in Cr
Standalone Annual Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
1,21,760.73
1,22,300.61
-539.88
-0.44%
Income On Investments
30,700.55
25,948.76
4,751.79
18.31%
Interest On Balances With Rbi Other Inter Bank Funds
3,465.86
1,756.37
1,709.49
97.33%
Interest / Discount On Advances / Bills
86,100.95
93,050.88
-6,949.93
-7.47%
Others
1,493.37
1,544.60
-51.23
-3.32%
Other Income
16,309.37
15,788.36
521.01
3.3%
Total Income
1,38,070.10
1,38,088.97
-18.87
-0.01%
Interest Expended
78,978.56
75,782.96
3,195.60
4.22%
Net Interest Income
42,782.17
46,517.65
-3,735.48
-8.03%
Total Expenditure (Excl Depreciation)
32,260.87
29,871.38
2,389.49
8.0%
Employee Cost
21,357.72
16,607.64
4,750.08
28.6%
Other Operating Expenses
10,903.15
13,263.74
-2,360.59
-17.8%
Operating Profit Before Provisions and Contingencies
26,830.67
32,434.63
-5,603.96
-17.28%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
1,674.60
5,980.25
-4,305.65
-72.0%
Profit Before Tax
25,156.07
26,454.38
-1,298.31
-4.91%
Tax
8,525.87
6,873.23
1,652.64
24.04%
Profit After Tax
16,630.20
19,581.15
-2,950.95
-15.07%
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
16,630.20
19,581.15
-2,950.95
-15.07%
Face Value
2.00
2.00
0.00
Reserves
1,16,755.23
1,26,419.83
-9,664.60
-7.64%
Earnings per share (EPS)
14.47
37.82
-23.35
-61.74%
Diluted Earnings per share
14.77
37.86
-23.09
-60.99%
Operating Profit Margin (Excl OI)
72.13%
70.69%
0.00
1.44%
Gross Profit Margin
20.66%
21.63%
0.00
-0.97%
PAT Margin
13.66%
16.01%
0.00
-2.35%
Net Interest Margin
2.93%
3.08%
-0.15
-0.15%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
37.95%
39.97%
-2.02
-2.02%
CASA Amount
5,73,543.00
4,96,462.00
77,081.00
15.53%
Capital Adequacy Ratio (Total)
17.01%
17.19%
-0.18
-0.18%
Capital Adequacy Ratio (Tier 1)
14.05%
14.79%
-0.74
-0.74%
Provision Coverage Ratio (%)
96.82%
9.29%
87.53
87.53%
Amount of Gross NPAs
44,081.60
27,834.88
16,246.72
58.37%
Amount of Net NPAs
4,290.55
6,994.24
-2,703.69
-38.66%
% of Net NPAs
0.40%
0.58%
-0.18
-0.18%
% of Gross NPAs
3.95%
2.26%
1.69
1.69%
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
11,822.00
0.00
11,822.00
Number of Branches
10,189.00
0.00
10,189.00
Annual - Interest Earned
Interest Earned 121760.73 Cr
in Mar 2025

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2025 is 13.9% vs 25.55% in Mar 2024

Annual - Net Profit
Net Profit 16,630.20 Cr
in Mar 2025

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2025 is 101.71% vs 228.84% in Mar 2024

Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 26,830.67 Cr
in Mar 2025

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2025 is 7.62% vs 10.66% in Mar 2024

Annual - % of Net NPAs
% of Net NPAs 0.40%
in Mar 2025

Figures in %
stock-summary

YoY Growth in year ended Mar 2025 is -0.33% vs -1.99% in Mar 2024

Annual - % of Gross NPAs
% of Gross NPAs 3.95%
in Mar 2025

Figures in %
stock-summary

YoY Growth in year ended Mar 2025 is -1.78% vs -3.01% in Mar 2024

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