• PNB Bank registered a Net Profit of ₹16,630 Crore during FY`2025 with Y-o-Y growth of 101.7%. The Net Profit for Q4`FY25 is ₹4,567 Crore as against ₹3,010 Crore in Q4FY`24 with Y-o-Y growth of 51.7%.
  • Return on Assets (RoA) improved by 25 bps to 1.02% in Q4 FY`25 from 0.77% in Q4 FY`24. RoA improved Y-o-Y  by 43 bps to 0.97% during FY`25 from 0.54% in FY`24.
  • Return on Equity (RoE) improved to 19.23% in Q4 FY`25 from 16.48% in Q4 FY`24. RoE improved to 19.33% during FY`25 from 11.66% in FY`24.
  • Net Interest Income for FY`25 was at ₹42,782 Crore recording growth of 6.7% on YoY basis. NII increased to ₹10,757 Crore in Q4 FY`25 from ₹10,363 Crore in Q4 FY`24.
  • GNPA ratio improved by 178 bps on Y-o-Y basis to 3.95% as on March`25 from 5.73% as on March`24.
  • NNPA ratio improved by 33 bps on Y-o-Y basis to 0.40% as on March`25 from 0.73% as on March`24.
  • Provision Coverage Ratio (including TWO) improved by 143 bps on Y-o-Y basis to 96.82% as on March`25 from 95.39% as on March`24.
  • Provision Coverage Ratio (Excluding TWO) improved by 234 bps on Y-o-Y basis to 90.27% as on March`25 from 87.93% as on March`24.
  • Credit Cost improved by 60 bps on Y-o-Y basis to 0.21% in Q4 FY`25 from 0.81% in Q4 FY`24.
  • Global Business grew by 14.03% on Y-o-Y basis to ₹26,83,260 Crore as on March`25 from  ₹23,53,038 Crore as on March`24.
  • Global Deposits registered a growth of 14.38% on Y-o-Y basis to ₹15,66,623 Crore as on March`25 from ₹13,69,713 Crore as on March`24.
  • Global Advances increased by 13.56% on Y-o-Y basis to ₹11,16,637 Crore as on March`25 from ₹9,83,325 Crore as on March`24.
  • RAM Advances grew by 15.89% on Y-o-Y basis to ₹6,02,682 Crore as on March`25 from  ₹5,20,050 Crore as on March`24.
Business Performance in Key Parameters
Deposits
  • Savings Deposits increased to ₹4,98,429 Crore registering a Y-o-Y growth of 3.8%. 
  • Current Deposits increased to ₹75,114 Crore registering a Y-o-Y growth of 4.0%.
  • CASA Deposits increased to ₹5,73,543 Crore recording a Y-o-Y growth of 3.8%. 
  • CASA Share of the bank stands at 37.95% as on March`25. 
  • Total Term Deposit witnessed a growth of 21.5% on Y-o-Y basis to ₹9,93,080 Crore as on March`25.
Advances
Total Retail credit increased by 16.5% Y-o-Y to ₹2,59,363 Crore as on March`25.
The bank grew under Core Retail Advances recording a Y-o-Y growth of 18.2%. Within Core Retail Credit:
  • Housing Loan grew by 18.3% Y-o-Y to ₹1,16,312 Crore.
  • Vehicle loan posted a growth of 25.5% Y-o-Y to reach ₹26,056 Crore.
Agriculture Advances grew by 14.2% on Y-o-Y basis to ₹1,80,625 Crore. 
MSME Advances increased Y-o-Y by 16.8% to ₹1,62,693 Crore.
Asset Quality
  • Gross Non-Performing Assets (GNPA) declined by ₹12,261 Crore to ₹44,082 Crore as on March`25 from ₹56,343 Crore as on March`24.
  • Net Non-Performing Assets (NNPA) declined by ₹2,508 Crore to ₹4,291 Crore as on March`25 from ₹6,799 Crore as on March`24.
  • Operating Profit for Q4 FY`25 was at ₹6,776 Crore and ₹26,831 Crore for FY`25 recording growth of 5.6 % and 7.6 %, respectively on YoY basis.
  • Total Income for Q4 FY`25 was at ₹36,705 Crore and ₹1,38,070 Crore for FY`25 recording growth of 13.4% and 14.8%, respectively on YoY basis.
  • Total Interest Income for Q4 FY`25 was at ₹31,989 Crore and ₹1,21,761 Crore for FY`25 recording growth of 13.8% and 13.9%, respectively on YoY basis.
  • Non-interest income for Q4 FY`25 was at ₹4,716 Crore and ₹16,309 Crore for FY`25 recording growth of 11.0% and 21.9%, respectively on YoY basis.
  • Global Net Interest Margin (NIM) stands at 2.81% for Q4 FY`25 and 2.93% for FY`25. 
  • Total Interest Expenses for Q4 FY`25 was at ₹21,232 Crore and ₹78,979 Crore for FY`25, increased by 19.6% and 18.2%, respectively on YoY basis.
  • Operating Expenses for Q4 FY`25 was at ₹8,697 Crore and ₹32,261 Crore for FY`25, increased by 6.1% and 13.1%, respectively on YoY basis.