PNB Results Analysis

Q4FY25 – NII (Net Interest income) Rs. 10,757 Cr. 3.8% Growth YoY, Operating Income Rs. 15,473 Cr. 5.9% Growth YoY, Operating Profit Rs. 6,776 Cr. 5.6% Growth YoY, Net Profit Rs. 4,567 Cr. 51.7% Growth YoY. FY25 – NII (Net Interest income) Rs. 42,782 Cr. 6.7% Growth YoY, Operating Income Rs. 59,092 Cr. 10.5% Growth YoY, Operating Profit Rs. 26,831 Cr. 7.6% Growth YoY, Net Profit Rs. 16,630 Cr. 101.7% Growth YoY. Asset Quality Improve, Gross NPA 3.95% declined by 178 bps YoY, Net NPA 0.40% declined by 33 bps YoY, Return on Assets 0.97% up by 43 bps YoY. BOD has recommended a dividend of ₹ 2.90 per equity share. Results below expectations.