![[fetch_key]](https://stocktradeupdates.com/wp-content/uploads/new_logos/PNB.png)
Share the post "PUNJAB NATIONAL BANK’s Q3 2024-25 Latest News: Financial Results announced"
Highlights
🔹 The presented financial data is Consolidated to provide a comprehensive overview of the company performance. 🔹 Revenue over the Year and quarter: The company experienced a substantial growth of 14.52 % in the past year, substantial increase in revenue by 6.76 %. 🔹 Profit over the Year and quarter: Significant improvement in profitability for PUNJAB NATIONAL BANK. Notable increase of 97.07 % in net profit Year to Year, PUNJAB NATIONAL BANK’s profitability increased by 11.79 % in this quarter. 🔹 EPS over the Year and quarter: EPS increased by 89.14 % Year to Year. EPS increased by 7.18 % in previous quarter. Positive impact on shareholders.
| Metrics | Previous Year | Previous Quarter | Current Quarter | Quarter to Quarter Difference | Year to Year Difference |
|---|---|---|---|---|---|
| Revenue | Rs. 27851.71 Cr | Rs. 29875.01 Cr | Rs. 31894.8 Cr | + 6.76 % | + 14.52 % |
| Interest | Rs. 17444.02 Cr | Rs. 19358.32 Cr | Rs. 20737.68 Cr | + 7.13 % | + 18.88 % |
| Expenses | Rs. 9449 Cr | Rs. 8523.48 Cr | Rs. 7493.71 Cr | -12.08 % | -20.69 % |
| Financing Profit | Rs. 958.69 Cr | Rs. 1993.21 Cr | Rs. 3663.41 Cr | + 83.79 % | + 282.13 % |
| Financing Margin % | 3.44 % | 6.67 % | 11.49 % | + 4.82 % | + 8.05 % |
| Other Income | Rs. 2675.67 Cr | Rs. 4572.09 Cr | Rs. 3391.63 Cr | -25.82 % | + 26.76 % |
| Depreciation | Rs. 0 Cr | Rs. 0 Cr | Rs. 0 Cr | 0 % | 0 % |
| Profit before tax | Rs. 3634.36 Cr | Rs. 6565.3 Cr | Rs. 7055.04 Cr | + 7.46 % | + 94.12 % |
| Tax % | 38.02 % | 34.45 % | 34.11 % | -0.34 % | -3.91 % |
| Net Profit | Rs. 2441.23 Cr | Rs. 4303.46 Cr | Rs. 4811.02 Cr | + 11.79 % | + 97.07 % |
| EPS in Rs | Rs. 2.21 | Rs. 3.9 | Rs. 4.18 | + 7.18 % | + 89.14 % |
| Gross NPA % | 0 % | 4.48 % | 0 % | % | % |
| Net NPA % | 0 % | 0.46 % | 0 % | % | % |
Today, we’re looking at PUNJAB NATIONAL BANK’s financial performance for the Q3(Dec 2024-25).Starting with the top line, the company reported a robust year-over-year revenue growth of 14.52 %. However, it did see a marginal increase of 6.76 % from the previous quarter. Interest expenses surged remarkably by 7.13 % from the previous quarter, yet the year-over-year increase remains at a moderate 18.88 %. Expenses decreased slightly by -12.08 % quarter-on-quarter, aligning with the annual decline of -20.69 %.
Financing profit, while up 282.13 % compared to last year, faced a quarter-on-quarter increase of 83.79 %, signaling a short-term expansion in margins. The Financing Margin % echoes this narrative, showing resilience on an annual basis with an increase of 8.05 %, but an expansion of 4.82 % sequentially. Other income fell by -25.82 % compared to the last quarter, despite an annual growth of 26.76 %. Profit before tax grew annually by 94.12 % but saw an increase from the preceding quarter by 7.46 %. Tax expenses as a percentage of profits decreased slightly by -3.91 % compared to last year, With a more notable quarter-on-quarter decrease of -0.34 %.
Net profit rose by 97.07 % year-on-year, but experienced a 11.79 % expansion from the last quarter. And finally, Earnings Per Share (EPS) displayed an annual uptick of 89.14 % but a quarterly rise of 7.18 %. In summary, PUNJAB NATIONAL BANK’s annual performance indicates steady growth, although the quarter-on-quarter figures suggest some areas may require strategic attention.
| Metrics | Previous Year | Previous Quarter | Current Quarter | Quarter to Quarter Difference | Year to Year Difference |
|---|---|---|---|---|---|
| Revenue | Rs. 27851.71 Cr | Rs. 29875.01 Cr | Rs. 31894.8 Cr | + 6.76 % | + 14.52 % |
| Interest | Rs. 17444.02 Cr | Rs. 19358.32 Cr | Rs. 20737.68 Cr | + 7.13 % | + 18.88 % |
| Expenses | Rs. 9449 Cr | Rs. 8523.48 Cr | Rs. 7493.71 Cr | -12.08 % | -20.69 % |
| Financing Profit | Rs. 958.69 Cr | Rs. 1993.21 Cr | Rs. 3663.41 Cr | + 83.79 % | + 282.13 % |
| Net Profit | Rs. 2441.23 Cr | Rs. 4303.46 Cr | Rs. 4811.02 Cr | + 11.79 % | + 97.07 % |
| EPS in Rs | Rs. 2.21 | Rs. 3.9 | Rs. 4.18 | + 7.18 % | + 89.14 % |
In reviewing PUNJAB NATIONAL BANK’s 2024-25(Q3) financial snapshot, key trends emerge, shedding light on the company’s performance.Revenue saw a robust 14.52 % year-on-year growth, however, there was a minor increase of 6.76 % from the previous quarter. Interest expenses climbed by 7.13 % quarterly and sharply by 18.88 % annually, demonstrating effective cost control and improved debt management. Expenses decreased by -20.69 % compared to the previous year, with a decrease of -12.08 % quarter-on-quarter. Financing Profit surged by 282.13 % annually, and saw a 83.79 % increase from the last quarter.
Net Profit showed yearly increase of 97.07 %, and experienced a 11.79 % increase from the previous quarter. Earnings Per Share (EPS) rose by 89.14 % annually, however rose by 7.18 % compared to the last quarter. In essence, while PUNJAB NATIONAL BANK exhibits strong annual growth indicators, short-term improvements suggest the potential for recovery and the importance of strategic adjustments to counter market challenges effectively. That’s all for now in the financial sector.
![[fetch_key]](https://stocktradeupdates.com/wp-content/uploads/shareholding/6c741c60bf84723ea1184eaf5bb19c59.jpg)
