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NINE MONTHS RESULTS

Punjab National Bank

Jul 21, 04:01 BSE 112.05 (+ 0.30 0.27%)

Volume1312221

Prev. Close
111.75

Open Price
111.70

Today's Low / High

111.30 113.40

Bid. Price (Qty.)0.00 (0)

Offer Price (Qty.)
0.00 (0)

52 Wk Low / High

98.50 135.15

Jul 21, 04:00 NSE 112.08(+ 0.32 0.29%)

Volume28685665

Prev. Close
111.76

Open Price
111.70

Today's Low / High

111.31 113.38

Bid Price (Qty.)112.08 (268172)

Offer Price (Qty.) 0.00 (0)

52 Wk Low / High

98.50 135.15

Standalone

(₹ in Crs.)

Particulars	Dec 25	Dec 24	Dec 23	Dec 22	Dec 21
Interest Earned
Int. /Disc. on Adv/Bills	66273.29	63876.03	55825.61	40675.73	36444.97
Income on Investment	25081.00	22688.95	20681.47	18572.52	17574.48
Int. on balances With RBI	3030.84	2335.95	2001.00	1372.18	1779.19
Others	1681.34	870.34	280.11	675.07	428.08
Total Interest Earned	96066.47	89771.27	78788.19	61295.50	56226.72
Other Income	14631.99	11593.48	9135.93	8722.19	9576.62
Total Income	110698.46	101364.75	87924.12	70017.69	65803.34

EXPENDITURE
Interest Expended	64487.00	57746.08	49068.23	36302.62	34844.09
Employee Cost	14999.87	15564.99	12856.29	10239.29	9682.96
Other Expenses	9422.31	7998.66	7484.47	6813.46	6080.21
Total Expenses	88909.18	81309.73	69408.99	53355.37	50607.26

Operating Profit Before Provisions And Contingencies	21789.28	20055.02	18515.13	16662.32	15196.08
Provisions And Contingencies	2116.22	1314.93	10148.55	14409.91	11292.97
P/L Before Tax	19673.06	18740.09	8366.58	2252.41	3903.11
Tax	7994.18	6676.89	3132.23	903.82	647.72
P/L After Tax from Ordinary Activities	11678.88	12063.20	5234.35	1348.59	3255.39
Net Profit/Loss For the Period	11678.88	12063.20	5234.35	1348.59	3255.39

Equity Share Capital	2298.59	2298.59	2202.20	2202.20	2202.20

ANALYTICAL RATIOS
(%) of Share by Govt.	70.08	70.08	73.15	73.15	73.15
EPS Before Extra Ordinary *
Basic EPS (Rs.)	10.16	10.79	4.75	1.22	2.98
Diluted EPS (Rs.)	10.16	10.79	4.75	1.22	2.98
EPS After Extra Ordinary *
Basic EPS (Rs.)	10.16	10.79	4.75	1.22	2.98
Diluted EPS (Rs.)	10.16	10.79	4.75	1.22	2.98

NPA Ratios:
Gross NPA	39314.21	45413.98	60371.38	83583.87	97258.67
Net NPA	3833.70	4437.43	8815.88	26363.13	3387.56
(%) of Gross NPA	3.19	4.09	6.24	9.76	12.88
(%) of Net NPA	0.32	0.41	0.96	3.30	4.90
Return on Assets %	0.83	0.96	0.46	0.13	0.32

OPBPC Margin (%)	22.68	22.34	23.49	27.18	27.02
PBT Margin (%)	20.47	20.87	10.61	3.67	6.94
PAT Margin (%)	12.15	13.43	6.64	2.20	5.78

Particulars	Dec 25
Interest Earned
Int. /Disc. on Adv/Bills	66273.29
Income on Investment	25081.00
Int. on balances With RBI	3030.84
Others	1681.34
Total Interest Earned	96066.47
Other Income	14631.99
Total Income	110698.46

EXPENDITURE
Interest Expended	64487.00
Employee Cost	14999.87
Other Expenses	9422.31
Total Expenses	88909.18
Operating Profit Before Provisions And Contingencies	21789.28
Provisions And Contingencies	2116.22
P/L Before Tax	19673.06
Tax	7994.18
P/L After Tax from Ordinary Activities	11678.88
Net Profit/Loss For the Period	11678.88
Equity Share Capital	2298.59
ANALYTICAL RATIOS
(%) of Share by Govt.	70.08
EPS Before Extra Ordinary *
Basic EPS (Rs.)	10.16
Diluted EPS (Rs.)	10.16
EPS After Extra Ordinary *
Basic EPS (Rs.)	10.16
Diluted EPS (Rs.)	10.16
NPA Ratios:
Gross NPA	39314.21
Net NPA	3833.70
(%) of Gross NPA	3.19
(%) of Net NPA	0.32
Return on Assets %	0.83
OPBPC Margin (%)	22.68
PBT Margin (%)	20.47
PAT Margin (%)	12.15