PNB

💰 Interest Rates & Customer Moves

📈 Business & Financial Updates Loan growth remains healthy (~13–15%), driven by retail and MSME segments. Asset quality continues to improve: Gross NPA declining steadily Net NPA now at very low levels (~0.4%) Profitability is improving due to: Lower provisions Better recoveries 🏦 Strategic Developments PNB is focusing on expanding total business aggressively, targeting long-term growth. Key focus areas: Retail lending MSME financing Digital banking services Continued push towards profit-led growth instead of just volume growth. 💰 Interest Rates & Customer Moves The bank has adjusted fixed deposit rates, making them more competitive. Updates in banking operations include: Changes in ATM withdrawal rules for certain accounts Cleanup of inactive accounts 📊 Market Sentiment Analysts are mixed but slightly positive: Bullish view due to undervaluation (low P/E, low P/B) Cautious view due to PSU banking volatility The stock is often seen as a value pick, not a momentum stock.