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Punjab Natl.Bank

  • Market Cap: Large Cap
  • Industry: Public Sector Bank
  • ISIN: INE160A01022
  • NSEID: PNB
  • BSEID: 532461
  • View on NSE | View on BSE
INR
105.80
1.71 (1.64%)
BSENSE

Jun 03, 03:30 PM

BSE+NSE Vol: 1.65 cr

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stock-recommendationNine Monthly Results
Results Snapshot
Figures in Cr
Standalone Nine Monthly Results
Dec'25
Dec'24
Dec'23
Dec'22
Dec'21
Dec'20
Dec'19
Interest Earned
96,066.47
89,771.27
78,788.19
61,295.50
56,234.41
62,009.60
39,941.05
Income On Investments
25,081.00
22,688.95
20,681.47
18,572.52
17,582.17
18,628.47
11,397.54
Interest On Balances With Rbi Other Inter Bank Funds
3,030.84
2,335.95
2,001.00
1,372.18
1,779.19
1,424.29
1,838.35
Interest / Discount On Advances / Bills
66,273.29
63,876.03
55,825.61
40,675.73
36,444.97
41,482.53
26,595.01
Others
1,681.34
870.34
280.11
675.07
428.08
474.31
110.15
Other Income
14,631.99
11,593.48
9,135.93
8,722.19
9,869.91
9,345.11
6,744.79
Total Income
1,10,698.46
1,01,364.75
87,924.12
70,017.69
66,104.32
71,354.71
46,685.84
Interest Expended
64,487.00
57,746.08
49,068.23
36,302.62
34,844.09
38,420.81
27,180.80
Net Interest Income
31,579.47
32,025.19
29,719.96
24,992.88
21,390.32
23,588.79
12,760.25
Total Expenditure (Excl Depreciation)
24,422.18
23,563.65
20,340.76
17,052.75
15,763.17
15,263.31
8,698.77
Employee Cost
14,999.87
15,564.99
12,856.29
10,239.29
9,682.96
9,475.95
5,107.92
Other Operating Expenses
9,422.31
7,998.66
7,484.47
6,813.46
6,080.21
5,787.36
3,590.85
Operating Profit Before Provisions and Contingencies
21,789.28
20,055.02
18,515.13
16,662.32
15,497.06
17,670.59
10,806.27
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
2,116.22
1,314.93
10,148.55
14,409.91
11,593.95
15,139.46
9,098.25
Profit Before Tax
19,673.06
18,740.09
8,366.58
2,252.41
3,903.11
2,531.13
1,708.02
Tax
7,994.18
6,676.89
3,132.23
903.82
647.72
1,095.84
674.62
Profit After Tax
11,678.88
12,063.20
5,234.35
1,348.59
3,255.39
1,435.29
1,033.40
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
11,678.88
12,063.20
5,234.35
1,348.59
3,255.39
1,435.29
1,033.40
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)
74.58%
73.75%
74.18%
72.18%
71.97%
75.39%
78.22%
Gross Profit Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
PAT Margin
12.16%
13.44%
6.64%
2.2%
5.79%
2.31%
2.59%
Net Interest Margin
2.52%
2.93%
3.15%
3.16%
2.93%
3.09%
2.49%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
37.1%
38.12%
42.47%
43.72%
45.65%
44.66%
43.74%
CASA Amount
5,92,176.00
5,62,156.00
5,47,516.00
5,16,534.00
5,05,958.00
4,70,282.00
4,42,140.00
Capital Adequacy Ratio (Total)
16.77%
15.41%
14.63%
15.15%
14.91%
13.88%
14.04%
Capital Adequacy Ratio (Tier 1)
14.13%
12.53%
11.73%
12.21%
12.22%
10.9%
11.85%
Provision Coverage Ratio (%)
96.99%
96.77%
94.28%
85.17%
81.85%
85.16%
75.27%
Amount of Gross NPAs
39,314.21
45,413.98
60,371.38
83,583.87
97,258.67
94,479.33
76,809.20
Amount of Net NPAs
3,833.70
4,437.43
8,815.88
26,363.13
33,878.56
26,598.13
30,518.92
% of Net NPAs
0.32%
0.41%
0.96%
3.3%
4.9%
4.03%
7.18%
% of Gross NPAs
3.19%
4.09%
6.24%
9.76%
12.88%
12.99%
16.3%
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
11109.0
12034.0
12455.0
12957.0
13400.0
0.0
9071.0
Number of Branches
10261.0
10168.0
10108.0
10049.0
10264.0
0.0
7037.0
Nine Monthly Analysis Highlights
stock-summary

Interest Earned

YoY Growth in nine months ended Dec 2025 is 7.01% vs 13.94% in Dec 2024

stock-summary

Net Profit

YoY Growth in nine months ended Dec 2025 is -3.19% vs 130.46% in Dec 2024

stock-summary

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2025 is 8.65% vs 8.32% in Dec 2024

stock-summary

% of Net NPAs

YoY Growth in nine months ended Dec 2025 is -0.09% vs -0.55% in Dec 2024

stock-summary

% of Gross NPAs

YoY Growth in nine months ended Dec 2025 is -0.90% vs -2.15% in Dec 2024

Compare Nine Monthly Results Of Punjab Natl.Bank With
Markets Mojo
Figures in Cr
Standalone Nine Monthly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
96,066.47
80,389.21
15,677.26
19.5%
Income On Investments
25,081.00
16,879.27
8,201.73
48.59%
Interest On Balances With Rbi Other Inter Bank Funds
3,030.84
3,532.94
-502.10
-14.21%
Interest / Discount On Advances / Bills
66,273.29
59,604.88
6,668.41
11.19%
Others
1,681.34
372.12
1,309.22
351.83%
Other Income
14,631.99
14,022.65
609.34
4.35%
Total Income
1,10,698.46
94,411.86
16,286.60
17.25%
Interest Expended
64,487.00
53,136.36
11,350.64
21.36%
Net Interest Income
31,579.47
27,252.85
4,326.62
15.88%
Total Expenditure (Excl Depreciation)
24,422.18
20,611.29
3,810.89
18.49%
Employee Cost
14,999.87
11,865.65
3,134.22
26.41%
Other Operating Expenses
9,422.31
8,745.64
676.67
7.74%
Operating Profit Before Provisions and Contingencies
21,789.28
20,664.21
1,125.07
5.44%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
2,116.22
3,383.47
-1,267.25
-37.45%
Profit Before Tax
19,673.06
17,280.74
2,392.32
13.84%
Tax
7,994.18
3,899.36
4,094.82
105.01%
Profit After Tax
11,678.88
13,381.38
-1,702.50
-12.72%
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
11,678.88
13,381.38
-1,702.50
-12.72%
Face Value
2.00
10.00
0.00
Reserves
0.00
0.00
0.00
PAT Margin
12.16%
16.65%
0.00
-4.49%
Net Interest Margin
2.52%
2.76%
-0.24
-0.24%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
37.10%
33.96%
3.14
3.14%
CASA Amount
5,92,176.00
4,15,094.00
1,77,082.00
42.66%
Capital Adequacy Ratio (Total)
16.77%
16.49%
0.28
0.28%
Capital Adequacy Ratio (Tier 1)
14.13%
15.06%
-0.93
-0.93%
Provision Coverage Ratio (%)
96.99%
95.13%
1.86
1.86%
Amount of Gross NPAs
39,314.21
31,120.88
8,193.33
26.33%
Amount of Net NPAs
3,833.70
5,102.15
-1,268.45
-24.86%
% of Net NPAs
0.32%
0.51%
-0.19
-0.19%
% of Gross NPAs
3.19%
3.06%
0.13
0.13%
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
11,109.00
8,300.00
2,809.00
33.84%
Number of Branches
10,261.00
8,671.00
1,590.00
18.34%
Nine Monthly - Interest Earned
Interest Earned 96066.47 Cr
in Dec 2025

Figures in Cr
stock-summary

YoY Growth in nine months ended Dec 2025 is 7.01% vs 13.94% in Dec 2024

Nine Monthly - Net Profit
Net Profit 11,678.88 Cr
in Dec 2025

Figures in Cr
stock-summary

YoY Growth in nine months ended Dec 2025 is -3.19% vs 130.46% in Dec 2024

Nine Monthly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 21,789.28 Cr
in Dec 2025

Figures in Cr
stock-summary

YoY Growth in nine months ended Dec 2025 is 8.65% vs 8.32% in Dec 2024

Nine Monthly - % of Net NPAs
% of Net NPAs 0.32%
in Dec 2025

Figures in %
stock-summary

YoY Growth in nine months ended Dec 2025 is -0.09% vs -0.55% in Dec 2024

Nine Monthly - % of Gross NPAs
% of Gross NPAs 3.19%
in Dec 2025

Figures in %
stock-summary

YoY Growth in nine months ended Dec 2025 is -0.90% vs -2.15% in Dec 2024

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