Punjab National Bank Q2 FY2025 results: revenue ₹30,447 crore, up 13.4% on the year
Punjab National Bank (PNB) reported consolidated interest earned of ₹30,447 crore for Q2 FY2025, the quarter ended 30 September 2024, up 13.4% on the same quarter a year earlier. Profit after tax was ₹4,714 crore, up 136.9% on the year, and earnings per share ₹4.27. The figures are the company's own, from the unaudited results it filed with NSE on 28 October 2024.
The quarter, against the one before and a year earlier
| Line | Q2 FY2025 | Q1 FY2025 | Q2 FY2024 | Change on the year |
|---|---|---|---|---|
| Interest earned | 30,447 | 29,145 | 26,858 | +13.4% |
| Interest expended | 19,790 | 18,536 | 16,820 | +17.7% |
| Other income | 4,664 | 3,615 | 2,999 | +55.5% |
| Total income | 35,111 | 32,760 | 29,857 | +17.6% |
| Provisions other than tax | 280 | 903 | 3,461 | -91.9% |
| Profit before tax | 6,729 | 5,751 | 2,778 | +142.2% |
| Profit after tax | 4,714 | 3,976 | 1,990 | +136.9% |
| Capital adequacy ratio % | 2.0% | 2.1% | 1.8% | |
| EPS, basic | ₹4.27 | ₹3.61 | ₹1.81 | +135.9% |
₹ crore except per share.
Quarterly results, the last 12 quarters
| Q1 FY2024 | Q2 FY2024 | Q3 FY2024 | Q4 FY2024 | Q1 FY2025 | Q2 FY2025 | Q3 FY2025 | Q1 FY2026 | Q2 FY2026 | Q3 FY2026 | Q4 FY2026 | Q1 FY2027 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 25,673 | 26,858 | 27,852 | 28,682 | 29,145 | 30,447 | 31,895 | 32,572 | 32,513 | 32,889 | 32,798 | 33,589 |
| Interest expended | 16,064 | 16,820 | 17,444 | 18,206 | 18,536 | 19,790 | 20,738 | 21,828 | 21,858 | 22,164 | 22,219 | 22,583 |
| Other income | 3,360 | 2,999 | 2,676 | 4,294 | 3,615 | 4,664 | 3,392 | 5,427 | 4,171 | 5,013 | 4,080 | 4,365 |
| Operating expenses | 7,035 | 6,798 | 6,705 | 8,271 | 7,570 | 8,312 | 7,897 | 8,852 | 7,671 | 8,168 | 7,138 | 7,708 |
| Operating profit before provisions | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 7,319 | 7,155 | 7,570 | 7,521 | 7,663 |
| Provisions | 3,955 | 3,461 | 2,744 | 1,560 | 903 | 280 | -403 | 345 | 628 | 1,130 | 380 | 555 |
| Profit before tax | 1,979 | 2,778 | 3,634 | 4,940 | 5,751 | 6,729 | 7,055 | 8,868 | 8,269 | 8,688 | 8,408 | 8,993 |
| Tax | 768 | 1,014 | 1,382 | 1,839 | 2,035 | 2,297 | 2,406 | 5,141 | 1,678 | 1,250 | 1,916 | 1,769 |
| Net profit | 1,342 | 1,990 | 2,433 | 3,342 | 3,976 | 4,714 | 4,801 | 1,832 | 4,849 | 5,190 | 5,225 | 5,339 |
| EPS in ₹ | ₹1.22 | ₹1.81 | ₹2.21 | ₹3.04 | ₹3.61 | ₹4.27 | ₹4.18 | ₹1.84 | ₹4.46 | ₹4.83 | ₹4.83 | ₹5.06 |
| Gross NPA % | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net NPA % | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Filing | NSE | NSE | NSE | NSE | NSE | NSE | NSE | Filing | Filing | Filing | Filing | Filing |
₹ crore except per share, consolidated, as filed with the exchange. Quarters before December 2024 are from the exchange's earlier results feed, which carries the filed lines without the filing itself; the column links to the exchange's page for the company.
Source
Unaudited consolidated results for the quarter ended 30 September 2024, filed with NSE on 28 October 2024: the result statement. All of Punjab National Bank's results: NSE company page.
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