Punjab National Bank Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Mar'24

Interest Earned

31,871.53

31,963.94

31,989.46

31,339.83

29,875.01

28,556.43

28,113.43

Income On Investments

8,541.21

8,438.01

8,011.60

7,740.77

7,716.43

7,231.75

6,963.33

Interest On Balances With Rbi Other Inter Bank Funds

996.94

1,024.69

1,129.91

836.70

806.04

693.21

777.89

Interest / Discount On Advances / Bills

21,914.21

21,664.46

22,224.92

22,239.99

21,184.26

20,451.78

20,113.70

Others

419.17

836.78

623.03

522.37

168.28

179.69

258.51

Other Income

4,342.09

5,267.82

4,715.89

3,411.87

4,572.09

3,609.52

4,247.61

Total Income

36,213.62

37,231.76

36,705.35

34,751.70

34,447.10

32,165.95

32,361.04

Interest Expended

21,402.73

21,385.85

21,232.48

20,307.58

19,358.32

18,080.18

17,750.32

Net Interest Income

10,468.80

10,578.09

10,756.98

11,032.25

10,516.69

10,476.25

10,363.11

Total Expenditure (Excl Depreciation)

7,583.83

8,764.56

8,697.22

7,823.57

8,235.47

7,504.61

8,195.04

Employee Cost

4,746.99

5,164.37

5,792.73

5,263.78

5,750.40

4,550.81

5,630.02

Other Operating Expenses

2,836.84

3,600.19

2,904.49

2,559.79

2,485.07

2,953.80

2,565.02

Operating Profit Before Provisions and Contingencies

7,227.06

7,081.35

6,775.65

6,620.55

6,853.31

6,581.16

6,415.68

Exceptional Items

0.00

Provisions and contingencies

643.08

323.10

359.67

-285.40

288.01

1,312.32

1,588.05

Profit Before Tax

6,583.98

6,758.25

6,415.98

6,905.95

6,565.30

5,268.84

4,827.63

Tax

1,680.25

5,083.25

1,848.98

2,397.74

2,261.84

2,017.31

1,817.36

Profit After Tax

4,903.73

1,675.00

4,567.00

4,508.21

4,303.46

3,251.53

3,010.27

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

4,903.73

1,675.00

4,567.00

4,508.21

4,303.46

3,251.53

3,010.27

Face Value

2.0

Reserves

0.00

Earnings per share (EPS)

4.27

1.46

3.97

3.92

3.74

2.95

2.73

Diluted Earnings per share

4.27

1.46

3.97

3.92

3.9

2.95

2.73

Operating Profit Margin (Excl OI)

74.19%

71.57%

71.69%

75.95%

71.47%

69.12%

65.2%

Gross Profit Margin

20.66%

21.14%

20.06%

22.04%

21.98%

18.45%

17.17%

PAT Margin

15.39%

5.24%

14.28%

14.38%

14.4%

11.39%

10.71%

Net Interest Margin

2.6%

2.7%

2.81%

2.93%

2.92%

3.07%

3.1%

Return on Assets

0.0%

CASA (%)

37.29%

36.99%

37.95%

38.12%

39.31%

40.08%

41.44%

CASA Amount

5,83,179.00

5,68,637.00

5,73,543.00

5,62,156.00

5,56,739.00

5,49,079.00

5,52,499.00

Capital Adequacy Ratio (Total)

17.19%

17.5%

17.01%

15.41%

16.36%

15.79%

15.97%

Capital Adequacy Ratio (Tier 1)

14.41%

14.62%

14.05%

12.53%

13.63%

13.04%

13.17%

Provision Coverage Ratio (%)

96.91%

96.88%

96.82%

96.77%

96.67%

95.9%

95.39%

Amount of Gross NPAs

40,343.33

42,672.97

44,081.60

45,413.98

47,582.25

51,262.78

56,343.05

Amount of Net NPAs

4,025.75

4,132.24

4,290.55

4,437.43

4,674.24

5,930.06

6,798.77

% of Net NPAs

0.36%

0.38%

0.4%

0.41%

0.46%

0.6%

0.73%

% of Gross NPAs

3.45%

3.78%

3.95%

4.09%

4.48%

4.98%

5.73%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

11187.0

11240.0

11822.0

12034.0

12040.0

12080.0

12131.0

Number of Branches

10228.0

10209.0

10189.0

10168.0

10159.0

10150.0

10136.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Sep 2025 is -0.29% vs -0.08% in Jun 2025

Net Profit

QoQ Growth in quarter ended Sep 2025 is 192.76% vs -63.32% in Jun 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Sep 2025 is 2.06% vs 4.51% in Jun 2025

% of Net NPAs

QoQ Growth in quarter ended Sep 2025 is -0.02% vs -0.02% in Jun 2025

% of Gross NPAs

QoQ Growth in quarter ended Sep 2025 is -0.33% vs -0.17% in Jun 2025

Compare Quarterly Results Of Punjab Natl.Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

31,871.53

31,510.81

360.72

1.14%

Income On Investments

8,541.21

6,376.00

2,165.21

33.96%

Interest On Balances With Rbi Other Inter Bank Funds

996.94

700.26

296.68

42.37%

Interest / Discount On Advances / Bills

21,914.21

23,504.87

-1,590.66

-6.77%

Others

419.17

929.68

-510.51

-54.91%

Other Income

4,342.09

3,514.95

827.14

23.53%

Total Income

36,213.62

35,025.76

1,187.86

3.39%

Interest Expended

21,402.73

19,557.20

1,845.53

9.44%

Net Interest Income

10,468.80

11,953.61

-1,484.81

-12.42%

Total Expenditure (Excl Depreciation)

7,583.83

7,892.61

-308.78

-3.91%

Employee Cost

4,746.99

4,060.72

686.27

16.9%

Other Operating Expenses

2,836.84

3,831.89

-995.05

-25.97%

Operating Profit Before Provisions and Contingencies

7,227.06

7,575.95

-348.89

-4.61%

Exceptional Items

0.00

Provisions and contingencies

643.08

1,232.47

-589.39

-47.82%

Profit Before Tax

6,583.98

6,343.48

240.50

3.79%

Tax

1,680.25

1,534.09

146.16

9.53%

Profit After Tax

4,903.73

4,809.39

94.34

1.96%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

4,903.73

4,809.39

94.34

1.96%

Face Value

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

4.27

9.29

-5.02

-54.04%

Diluted Earnings per share

4.27

9.30

-5.03

-54.09%

Operating Profit Margin (Excl OI)

74.19%

71.04%

0.00

3.15%

Gross Profit Margin

20.66%

20.13%

0.00

0.53%

PAT Margin

15.39%

15.26%

0.00

0.13%

Net Interest Margin

2.60%

2.96%

-0.36

-0.36%

Return on Assets

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%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

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

Quarterly - Interest Earned

Interest Earned 31871.53 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -0.29% vs -0.08% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 6.68% vs 13.36% in Sep 2024

Quarterly - Net Profit

Net Profit 4,903.73 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 192.76% vs -63.32% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 13.95% vs 145.05% in Sep 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 7,227.06 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 2.06% vs 4.51% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 5.45% vs 10.25% in Sep 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.36%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is -0.02% vs -0.02% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -0.10% vs -1.01% in Sep 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 3.45%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is -0.33% vs -0.17% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -1.03% vs -2.48% in Sep 2024