Punjab Natl.Bank

  • Market Cap: Large Cap
  • Industry: Public Sector Bank
  • ISIN: INE160A01022
  • NSEID: PNB
  • BSEID: 532461
INR
123.85
1.8 (1.47%)
BSENSE

Feb 03

BSE+NSE Vol: 1.69 cr

  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationQuarterly Results
Results Snapshot
YoYQoQ
Figures in Cr
Standalone Quarterly Results
Dec'25
Sep'25
Jun'25
Mar'25
Dec'24
Sep'24
Jun'24
Interest Earned
32,231.00
31,871.53
31,963.94
31,989.46
31,339.83
29,875.01
28,556.43
Income On Investments
8,101.78
8,541.21
8,438.01
8,011.60
7,740.77
7,716.43
7,231.75
Interest On Balances With Rbi Other Inter Bank Funds
1,009.21
996.94
1,024.69
1,129.91
836.70
806.04
693.21
Interest / Discount On Advances / Bills
22,694.62
21,914.21
21,664.46
22,224.92
22,239.99
21,184.26
20,451.78
Others
425.39
419.17
836.78
623.03
522.37
168.28
179.69
Other Income
5,022.08
4,342.09
5,267.82
4,715.89
3,411.87
4,572.09
3,609.52
Total Income
37,253.08
36,213.62
37,231.76
36,705.35
34,751.70
34,447.10
32,165.95
Interest Expended
21,698.42
21,402.73
21,385.85
21,232.48
20,307.58
19,358.32
18,080.18
Net Interest Income
10,532.58
10,468.80
10,578.09
10,756.98
11,032.25
10,516.69
10,476.25
Total Expenditure (Excl Depreciation)
8,073.79
7,583.83
8,764.56
8,697.22
7,823.57
8,235.47
7,504.61
Employee Cost
5,088.51
4,746.99
5,164.37
5,792.73
5,263.78
5,750.40
4,550.81
Other Operating Expenses
2,985.28
2,836.84
3,600.19
2,904.49
2,559.79
2,485.07
2,953.80
Operating Profit Before Provisions and Contingencies
7,480.87
7,227.06
7,081.35
6,775.65
6,620.55
6,853.31
6,581.16
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
1,150.04
643.08
323.10
359.67
-285.40
288.01
1,312.32
Profit Before Tax
6,330.83
6,583.98
6,758.25
6,415.98
6,905.95
6,565.30
5,268.84
Tax
1,230.68
1,680.25
5,083.25
1,848.98
2,397.74
2,261.84
2,017.31
Profit After Tax
5,100.15
4,903.73
1,675.00
4,567.00
4,508.21
4,303.46
3,251.53
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
5,100.15
4,903.73
1,675.00
4,567.00
4,508.21
4,303.46
3,251.53
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)
4.44
4.27
1.46
3.97
3.92
3.74
2.95
Diluted Earnings per share
4.44
4.27
1.46
3.97
3.92
3.9
2.95
Operating Profit Margin (Excl OI)
71.38%
74.19%
71.57%
71.69%
75.95%
71.47%
69.12%
Gross Profit Margin
19.64%
20.66%
21.14%
20.06%
22.04%
21.98%
18.45%
PAT Margin
15.82%
15.39%
5.24%
14.28%
14.38%
14.4%
11.39%
Net Interest Margin
2.52%
2.6%
2.7%
2.81%
2.93%
2.92%
3.07%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
37.1%
37.29%
36.99%
37.95%
38.12%
39.31%
40.08%
CASA Amount
5,92,176.00
5,83,179.00
5,68,637.00
5,73,543.00
5,62,156.00
5,56,739.00
5,49,079.00
Capital Adequacy Ratio (Total)
16.77%
17.19%
17.5%
17.01%
15.41%
16.36%
15.79%
Capital Adequacy Ratio (Tier 1)
14.13%
14.41%
14.62%
14.05%
12.53%
13.63%
13.04%
Provision Coverage Ratio (%)
96.99%
96.91%
96.88%
96.82%
96.77%
96.67%
95.9%
Amount of Gross NPAs
39,314.00
40,343.33
42,672.97
44,081.60
45,413.98
47,582.25
51,262.78
Amount of Net NPAs
3,834.00
4,025.75
4,132.24
4,290.55
4,437.43
4,674.24
5,930.06
% of Net NPAs
0.32%
0.36%
0.38%
0.4%
0.41%
0.46%
0.6%
% of Gross NPAs
3.19%
3.45%
3.78%
3.95%
4.09%
4.48%
4.98%
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
11187.0
11240.0
11822.0
12034.0
12040.0
12080.0
Number of Branches
10261.0
10228.0
10209.0
10189.0
10168.0
10159.0
10150.0
Quarterly Analysis Highlights - QoQ
stock-summary

Interest Earned

QoQ Growth in quarter ended Dec 2025 is 1.13% vs -0.29% in Sep 2025

stock-summary

Net Profit

QoQ Growth in quarter ended Dec 2025 is 4.01% vs 192.76% in Sep 2025

stock-summary

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2025 is 3.51% vs 2.06% in Sep 2025

stock-summary

% of Net NPAs

QoQ Growth in quarter ended Dec 2025 is -0.04% vs -0.02% in Sep 2025

stock-summary

% of Gross NPAs

QoQ Growth in quarter ended Dec 2025 is -0.26% vs -0.33% in Sep 2025

Compare Quarterly Results Of Punjab Natl.Bank With
Markets Mojo
Figures in Cr
Standalone Quarterly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
32,231.00
31,749.51
481.49
1.52%
Income On Investments
8,101.78
6,261.96
1,839.82
29.38%
Interest On Balances With Rbi Other Inter Bank Funds
1,009.21
646.01
363.20
56.22%
Interest / Discount On Advances / Bills
22,694.62
24,056.17
-1,361.55
-5.66%
Others
425.39
785.37
-359.98
-45.84%
Other Income
5,022.08
3,600.40
1,421.68
39.49%
Total Income
37,253.08
35,349.91
1,903.17
5.38%
Interest Expended
21,698.42
19,949.11
1,749.31
8.77%
Net Interest Income
10,532.58
11,800.40
-1,267.82
-10.74%
Total Expenditure (Excl Depreciation)
8,073.79
8,023.68
50.11
0.62%
Employee Cost
5,088.51
4,111.16
977.35
23.77%
Other Operating Expenses
2,985.28
3,912.52
-927.24
-23.7%
Operating Profit Before Provisions and Contingencies
7,480.87
7,377.12
103.75
1.41%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
1,150.04
798.93
351.11
43.95%
Profit Before Tax
6,330.83
6,578.19
-247.36
-3.76%
Tax
1,230.68
1,523.56
-292.88
-19.22%
Profit After Tax
5,100.15
5,054.63
45.52
0.9%
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
5,100.15
5,054.63
45.52
0.9%
Face Value
2.00
2.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
4.44
9.76
-5.32
-54.51%
Diluted Earnings per share
4.44
9.77
-5.33
-54.55%
Operating Profit Margin (Excl OI)
71.38%
72.21%
0.00
-0.83%
Gross Profit Margin
19.64%
20.72%
0.00
-1.08%
PAT Margin
15.82%
15.92%
0.00
-0.10%
Net Interest Margin
2.52%
2.79%
-0.27
-0.27%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
37.10%
38.45%
-1.35
-1.35%
CASA Amount
5,92,176.00
5,02,560.00
89,616.00
17.83%
Capital Adequacy Ratio (Total)
16.77%
15.29%
1.48
1.48%
Capital Adequacy Ratio (Tier 1)
14.13%
13.10%
1.03
1.03%
Provision Coverage Ratio (%)
96.99%
92.73%
4.26
4.26%
Amount of Gross NPAs
39,314.00
27,399.44
11,914.56
43.48%
Amount of Net NPAs
3,834.00
7,614.96
-3,780.96
-49.65%
% of Net NPAs
0.32%
0.57%
-0.25
-0.25%
% of Gross NPAs
3.19%
2.04%
1.15
1.15%
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
9,529.00
1,580.00
16.58%
Number of Branches
10,261.00
0.00
10,261.00
Quarterly - Interest Earned
Interest Earned 32231.0 Cr
in Dec 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Dec 2025 is 1.13% vs -0.29% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is 2.84% vs 14.85% in Dec 2024

Quarterly - Net Profit
Net Profit 5,100.15 Cr
in Dec 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Dec 2025 is 4.01% vs 192.76% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is 13.13% vs 102.82% in Dec 2024

Quarterly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 7,480.87 Cr
in Dec 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Dec 2025 is 3.51% vs 2.06% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is 12.99% vs 4.58% in Dec 2024

Quarterly - % of Net NPAs
% of Net NPAs 0.32%
in Dec 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Dec 2025 is -0.04% vs -0.02% in Sep 2025

stock-summary

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

Quarterly - % of Gross NPAs
% of Gross NPAs 3.19%
in Dec 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Dec 2025 is -0.26% vs -0.33% in Sep 2025

stock-summary

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

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