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Harshal Parmar

6th Oct · SEBI-Registered Analyst

"PNB’s profit jumps 145% YoY—India’s banking bulls just got louder. Are you watching this breakout?"

PNB
📊 Financial Performance Highlights (Q2 FY2025) - Net Profit: ₹4,303 crore, up 145% YoY from ₹1,756 crore - Return on Assets (RoA): Improved to 1.02% from 0.46% YoY - Return on Equity (RoE): Jumped to 19.91% from 10.15% YoY - Net Interest Income (NII): ₹10,517 crore, up 5.99% YoY - Operating Profit: ₹6,853 crore, up 10.25% YoY 🏦 Asset Quality & Credit Metrics - Gross NPA: Down to 4.48% from 6.96% YoY - Net NPA: Down to 0.46% from 1.47% YoY - Provision Coverage Ratio (PCR): Improved to 96.67% (including write-offs) - Credit Cost: Sharply reduced to 0.08% from 1.31% YoY 🌐 Business Growth - Global Business: ₹25.2 lakh crore, up 11.93% YoY - Global Deposits: ₹14.58 lakh crore, up 11.33% YoY - Global Advances: ₹10.61 lakh crore, up 12.76% YoY 🧾 Segment-Wise Advances - Retail Credit: ₹2.5 lakh crore, up 14.6% YoY - Housing Loans: ₹1.09 lakh crore, up 19.5% YoY - Vehicle Loans: ₹22,543 crore, up 25% YoY - Agriculture Advances: ₹1.62 lakh crore, up 11.1% YoY - MSME Advances: ₹1.51 lakh crore, up 8.9% YoY 📈 Investor Watch - Stock Price: Closed at ₹114.45 on BSE, up 1.69% on Oct 3, 2025 - Market Cap: ₹1.31 lakh crore - Trading Volume: 17.96 lakh shares, turnover ₹20.45 crore - Technical Trend: Stock trading above all major moving averages (5D to 200D), signaling bullish momentum

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