From January to March 2025, Punjab National Bank i.e. PNB earned a total of ? 36,705 crore. It has increased by 13% on an annual basis. Out of this income, the bank spent Rs 29,930 crore on things like salary of employees, electricity bills, deposits. After this, the bank was left with Rs 4,567 crore as profit. In the same period a year ago, the bank had a profit of Rs 3,010 crore. It has increased by 52% on an annual basis. What is there for the common man in the results? PNB Bank has announced a dividend of Rs 2.9 per share for its shareholders. Companies give a part of their profits to their shareholders, this is called dividend. Are the results better than expected? In the fourth quarter of the financial year 2024-25, the profit of PNB Bank has been better than the expectations of market analysts, that is, the bank has done better this time. How was the performance of the stock in the last one year? After the result, PNB Bank’s share fell 0.50% today and closed at Rs 94. The bank’s share has fallen 1% in the last one month and 12% in 6 months. At the same time, it has fallen 23% in one year. The bank’s share has fallen 8% this year i.e. from January 1 till now. The market cap of the bank is Rs 1.08 lakh crore. What is a non-performing asset or NPA? When a person or institution takes a loan from a bank and does not return it, it is called a bad loan or non-performing asset or NPA. That is, the chances of recovery of these loans are very low. As a result, the banks’ money is lost and the bank goes into loss. According to the rules of the Reserve Bank of India (RBI), if the installment of a bank loan is not paid for 90 days i.e. three months, then that loan is declared an NPA. In the case of other financial institutions, this limit is 120 days. Banks have to do this to clear the book. Punjab National Bank has more than 12,250 branches in the country. Punjab National Bank provides banking and financial services. The founders of the bank are Dayal Singh Majithia and Lala Lajpat Rai. This bank was established in 1894. Its head quarter is in Delhi. The Managing Director and Chief Executive Officer (CEO) of the bank is Atul Kumar Goyal. Punjab National Bank has more than 12,250 branches and more than 13,000 ATMs in the country.
