State-owned Punjab National Bank (PNB) reported a strong financial performance for the fourth quarter of FY25, with net profit soaring by 51.7% year-on-year to Rs. 4,567 crore, up from Rs. 3,010 crore in the corresponding quarter of FY24. Alongside the earnings announcement, the bank’s board approved raising up to Rs. 8,000 crore through the issuance of Basel III compliant bonds and declared a dividend of Rs. 2.9 per share for shareholders.
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The bank’s Net Interest Income (NII) grew to Rs. 10,757 crore in Q4 FY25, compared to Rs. 10,363 crore in Q4 FY24. A significant improvement was also seen in the asset quality metrics. The Gross Non-Performing Assets (GNPA) ratio dropped to 3.95% as of March 2025, improving by 178 basis points from 5.73% a year ago. Similarly, the Net NPA (NNPA) ratio improved by 33 basis points to 0.40% from 0.73% year-on-year.
Return on Assets (RoA) for the quarter stood at 1.02%, marking a 25 basis point increase from 0.77% in Q4 FY24, indicating enhanced profitability. Operating profit for the quarter also witnessed a rise, reaching Rs. 6,776 crore—an increase of 5.6% compared to the same quarter last fiscal.
The positive quarterly results reflect the bank’s improved efficiency, healthier loan book, and strategic focus on strengthening its balance sheet while delivering value to its stakeholders.
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