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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-recommendationHalf Yearly Results
Results Snapshot
Figures in Cr
Standalone Half Yearly Results
Sep'25
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Sep'19
Interest Earned
63,835.47
58,431.44
51,500.38
38,911.06
36,908.98
41,652.16
26,378.36
Income On Investments
16,979.22
14,948.18
13,670.36
12,030.24
11,767.40
12,420.08
7,375.39
Interest On Balances With Rbi Other Inter Bank Funds
2,021.63
1,499.25
1,421.65
856.70
1,128.69
1,005.77
1,169.41
Interest / Discount On Advances / Bills
43,578.67
41,636.04
36,220.73
25,808.16
23,710.68
27,930.01
17,756.72
Others
1,255.95
347.97
187.64
215.96
302.21
296.30
76.84
Other Income
9,609.91
8,181.61
6,462.09
5,384.23
7,169.32
6,660.63
4,339.99
Total Income
73,445.38
66,613.05
57,962.47
44,295.29
44,078.30
48,312.79
30,718.35
Interest Expended
42,788.58
37,438.50
32,073.21
23,097.54
23,321.90
26,409.12
17,973.16
Net Interest Income
21,046.89
20,992.94
19,427.17
15,813.52
13,587.08
15,243.04
8,405.20
Total Expenditure (Excl Depreciation)
16,348.39
15,740.08
13,704.84
10,251.33
10,335.65
10,367.28
5,701.82
Employee Cost
9,911.36
10,301.21
8,687.07
5,779.28
6,372.28
6,548.42
3,356.45
Other Operating Expenses
6,437.03
5,438.87
5,017.77
4,472.05
3,963.37
3,818.86
2,345.37
Operating Profit Before Provisions and Contingencies
14,308.41
13,434.47
12,184.42
10,946.42
10,420.75
11,536.39
7,043.37
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
966.18
1,600.33
7,409.44
9,696.57
8,240.40
9,963.47
4,952.21
Profit Before Tax
13,342.23
11,834.14
4,774.98
1,249.85
2,180.35
1,572.92
2,091.16
Tax
6,763.50
4,279.15
1,763.44
530.14
51.74
643.66
565.48
Profit After Tax
6,578.73
7,554.99
3,011.54
719.71
2,128.61
929.26
1,525.68
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
6,578.73
7,554.99
3,011.54
719.71
2,128.61
929.26
1,525.68
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)
5.72
6.57
2.74
0.65
1.93
0.99
3.31
Diluted Earnings per share
5.72
6.85
2.74
0.65
1.96
0.99
3.31
Operating Profit Margin (Excl OI)
72.88%
70.32%
59.0%
48.73%
49.67%
51.19%
59.61%
Gross Profit Margin
20.9%
20.25%
9.27%
3.21%
5.91%
3.78%
7.93%
PAT Margin
10.31%
12.93%
5.85%
1.85%
5.77%
2.23%
5.78%
Net Interest Margin
2.65%
2.99%
3.09%
2.91%
2.56%
2.87%
2.53%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
37.29%
39.31%
42.15%
44.91%
45.42%
44.1%
43.51%
CASA Amount
5,83,179.00
5,56,739.00
5,38,276.00
5,24,448.00
4,98,757.00
4,59,477.00
2,92,940.00
Capital Adequacy Ratio (Total)
17.19%
16.36%
15.09%
14.74%
15.2%
12.84%
14.07%
Capital Adequacy Ratio (Tier 1)
14.41%
13.63%
12.02%
12.2%
12.5%
9.53%
12.18%
Provision Coverage Ratio (%)
96.91%
96.67%
91.91%
83.96%
80.77%
83.0%
74.11%
Amount of Gross NPAs
40,343.33
47,582.25
65,563.12
87,034.79
1,00,290.85
96,313.94
79,458.09
Amount of Net NPAs
4,025.75
4,674.24
13,114.12
29,348.16
36,934.20
30,919.84
32,658.69
% of Net NPAs
0.36%
0.46%
1.47%
3.8%
5.49%
4.75%
7.65%
% of Gross NPAs
3.45%
4.48%
6.96%
10.48%
13.63%
13.43%
16.76%
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
11187.0
12040.0
12645.0
12966.0
13506.0
12756.0
8985.0
Number of Branches
10228.0
10159.0
10092.0
10038.0
10528.0
1358.0
7040.0
Half Yearly Analysis Highlights
stock-summary

Interest Earned

Growth in half year ended Sep 2025 is 9.25% vs 13.46% in Sep 2024

stock-summary

Net Profit

Growth in half year ended Sep 2025 is -12.92% vs 150.87% in Sep 2024

stock-summary

Operating Profit (PBDIT)

Growth in half year ended Sep 2025 is 6.51% vs 10.26% in Sep 2024

stock-summary

% of Net NPAs

Growth in half year ended Sep 2025 is -0.10% vs -1.01% in Sep 2024

stock-summary

% of Gross NPAs

Growth in half year ended Sep 2025 is -1.03% vs -2.48% in Sep 2024

Compare Half Yearly Results Of Punjab Natl.Bank With
Markets Mojo
Figures in Cr
Standalone Half Yearly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
63,835.47
62,602.30
1,233.17
1.97%
Income On Investments
16,979.22
12,696.78
4,282.44
33.73%
Interest On Balances With Rbi Other Inter Bank Funds
2,021.63
1,311.23
710.40
54.18%
Interest / Discount On Advances / Bills
43,578.67
47,140.93
-3,562.26
-7.56%
Others
1,255.95
1,453.36
-197.41
-13.58%
Other Income
9,609.91
8,189.48
1,420.43
17.34%
Total Income
73,445.38
70,791.78
2,653.60
3.75%
Interest Expended
42,788.58
39,213.91
3,574.67
9.12%
Net Interest Income
21,046.89
23,388.39
-2,341.50
-10.01%
Total Expenditure (Excl Depreciation)
16,348.39
15,765.45
582.94
3.7%
Employee Cost
9,911.36
8,368.44
1,542.92
18.44%
Other Operating Expenses
6,437.03
7,397.01
-959.98
-12.98%
Operating Profit Before Provisions and Contingencies
14,308.41
15,812.42
-1,504.01
-9.51%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
966.18
3,199.41
-2,233.23
-69.8%
Profit Before Tax
13,342.23
12,613.01
729.22
5.78%
Tax
6,763.50
3,262.26
3,501.24
107.33%
Profit After Tax
6,578.73
9,350.75
-2,772.02
-29.64%
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
6,578.73
9,350.75
-2,772.02
-29.64%
Face Value
2.00
2.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
5.72
18.06
-12.34
-68.33%
Diluted Earnings per share
5.72
18.08
-12.36
-68.36%
Operating Profit Margin (Excl OI)
72.88%
69.71%
0.00
3.17%
Gross Profit Margin
20.90%
20.15%
0.00
0.75%
PAT Margin
10.31%
14.94%
0.00
-4.63%
Net Interest Margin
2.65%
2.93%
-0.28
-0.28%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
37.29%
38.42%
-1.13
-1.13%
CASA Amount
5,83,179.00
4,88,660.00
94,519.00
19.34%
Capital Adequacy Ratio (Total)
17.19%
16.54%
0.65
0.65%
Capital Adequacy Ratio (Tier 1)
14.41%
14.15%
0.26
0.26%
Provision Coverage Ratio (%)
96.91%
93.21%
3.70
3.70%
Amount of Gross NPAs
40,343.33
27,599.75
12,743.58
46.17%
Amount of Net NPAs
4,025.75
7,140.88
-3,115.13
-43.62%
% of Net NPAs
0.36%
0.57%
-0.21
-0.21%
% of Gross NPAs
3.45%
2.16%
1.29
1.29%
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
11,187.00
9,497.00
1,690.00
17.8%
Number of Branches
10,228.00
0.00
10,228.00
Half Yearly - Interest Earned
Interest Earned 63835.47 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is 9.25% vs 13.46% in Sep 2024

Half Yearly - Net Profit
Net Profit 6,578.73 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is -12.92% vs 150.87% in Sep 2024

Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 14,308.41 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is 6.51% vs 10.26% in Sep 2024

Half Yearly - % of Net NPAs
% of Net NPAs 0.36%
in Sep 2025

Figures in %
stock-summary

Growth in half year ended Sep 2025 is -0.10% vs -1.01% in Sep 2024

Half Yearly - % of Gross NPAs
% of Gross NPAs 3.45%
in Sep 2025

Figures in %
stock-summary

Growth in half year ended Sep 2025 is -1.03% vs -2.48% in Sep 2024

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