PNB Housing Results Analysis

Q4FY25 – NII (Net Interest income) Rs. 734 Cr. 16.2% Growth YoY, Gross Income Rs. 854 Cr. 15.1% Growth YoY, Operating Profit Rs. 646 Cr. 14.1% Growth YoY, Net Profit Rs. 550 Cr. 25.3% Growth YoY, Disbursement Rs. 6,854 Cr. 23% Growth YoY, Return of Assets 2.76% improved by 30 BPS YoY. FY25 – NII (Net Interest income) Rs. 2,750 Cr. 9.3% Growth YoY, Gross Income Rs. 3126 Cr. 12.3% Growth YoY, Operating Profit Rs. 2,327 Cr. 9.5% Growth YoY, Net Profit Rs. 1,936 Cr. 28.4% Growth YoY. Disbursement Rs. 21,972 Cr. 25% Growth YoY, Loan Asset Rs. 75,765 Cr. 16% Growth YoY, Gross NPA 1.08% improved by 42 BPS YoY, Net NPA 0.69% improved by 26 BPS YoY (Improvement in asset quality with focus on early delinquencies). Return of Assets 2.55% improved by 35 BPS YoY (Better margins, lower credit cost led to improved RoA).