PNB Q4 Results: Net Profit Soars 101.7%, Digital Transactions Up 51%

PNB reports ₹16,630 crore net profit in FY25, with strong growth in digital banking, reduced NPAs, and higher retail & MSME lending. Read more on Dynamite News

New Delhi: Ashok Chandra, Managing Director & CEO of Punjab National Bank, releases the financial results of PNB for Q4 of the financial year 2025.

Under the leadership of MD & CEO Ashok Chandra, PNB has not only improved its financial indicators but has also promoted innovations to provide better services to customers.

Punjab National Bank (PNB) has released its financial results for the fourth quarter (Q4) of FY 2025, which reflect the strong financial position and growth of the bank, reports Dynamite News correspondent.

According to these results, PNB has reported a net profit of ₹16,630 crore in FY 2025, which reflects a significant increase of 101.7% over the previous year. Net profit in the fourth quarter stood at ₹4,567 crore, which is 51.7% higher than ₹3,010 crore in Q4 FY’24.

Key Financial Indicators

• Return on Assets (RoA): RoA reached 1.02% in Q4 FY’25, showing an increase of 25 bps from 0.77% in the previous year.
• Return on Equity (RoE): RoE reached 19.23% in Q4 FY’25, improved from 16.48% in Q4 FY’24.
• Net Interest Income (NII): NII stood at ₹42,782 crore in FY’25, registering a YoY growth of 6.7%.
• Non-Performing Assets (GNPA): The GNPA ratio improved to 3.95% as of March 2025, 178 bps lower than 5.73% as of March 2024.
• Net NPA (NNPA): The NNPA ratio reached 0.40%, 33 bps lower than 0.73% in the previous year.

Business Performance

• Deposits: Global deposits grew by 14.38% to ₹15,66,623 crore. CASA deposits accounted for 37.95%.
• Advances: Global advances grew by 13.56% to ₹11,16,637 crore. Retail credit grew by 16.5%, with home loans (18.3%) and vehicle loans (25.5%) being the major contributors.
• MSME and Agri Loans: MSME advances grew by 16.8%, and agri loans grew by 14.2%.

Digital Progress

PNB has recorded a significant growth in digital transactions. The number of digital transactions stood at 997 crore in FY’25, up 51% over the previous year. UPI transactions through PNB One grew by 160%, and the number of WhatsApp banking users grew by 115% to 61.6 lakh.

Social Commitment

PNB has made significant contributions in priority sectors. Agriculture lending surpassed the national target of 18% to reach 18.08%, while microenterprises' lending stood at 8.12%, higher than the national target of 7.50%.

Awards and Achievements

PNB was awarded the first runner-up award in EASE 6.0 in the themes of "Tech and Data-Driven Capacity Building" and "Digital and Analytics-Driven Business Reforms." In addition, the bank also received the CIMSME Banking Excellence Award and the Silver Shield for Excellence in Financial Reporting by ICAI.

These results of PNB clearly show that the bank has made significant progress in the areas of financial stability, digital transformation, and social commitment. Even better performance from PNB can be expected in the coming times.