Punjab National Bank has informed the Exchange about Investor Presentation
PNB · price
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PNB reported strong FY25 results with net profit more than doubling to ₹16,630 Cr (up 101.7% YoY) from ₹8,245 Cr, driven by a sharp 85.7% drop in provisions. Q4 FY25 net profit rose 51.7% YoY to ₹4,567 Cr. Global business grew 14% YoY to ₹26.83 lakh Cr, with deposits up 14.4% and advances up 13.6%. Asset quality improved significantly — gross NPA fell to 3.95% and net NPA to 0.40%, while PCR strengthened to 96.82%. CRAR stood healthy at 17.01% post the ₹5,000 Cr QIP raised in Q2 FY25. The bank met or exceeded most FY25 guidance targets, including credit growth (13.6% vs 11-12% guided), GNPA (3.95% vs guided 3.50-3.75%), and RoA (0.97%).
The doubling of full-year net profit, falling NPAs, and strong capital position are positive for shareholders, signaling turnaround momentum. However, FY26 NIM guidance of 2.8-2.9% (below FY25's 2.93%) and softer operating profit growth guidance (8-9% vs 7.6% achieved) suggest margin pressure ahead, which may temper near-term optimism despite the strong results.