PNB Q4 Results Highlights: Profit up 52% YoY at ₹4,567 crore; dividend of ₹2.90 declared; to raise ₹8,000 crore

PNB Q4 Results Highlights: PNB share price ended lower on Wednesday after the announcement of Q4 results. On BSE, Punjab National Bank shares closed 0.58% lower at ₹94.00 apiece. The PSU bank stock settled 0.50% lower at ₹94.00 apiece on NSE.

PNB Q4 Results LIVE: Punjab National Bank expects its operating profit growth between 8% and 9% in FY26 from 10% to 12% growth seen in FY25.

Credit growth for FY26 is seen between 11% to 12%, while deposit growth is seen between 9% and 10%. The figures for FY25 are also the same.

PNB expects credit costs for FY26 to be below 0.5%, higher than the earlier revised projection of 0.25% to 0.30% for FY25.

PNB Q4 Results LIVE: PNB reported slippages of ₹3,001 crore in Q4FY25 versus ₹1,774 crore QoQ, while write-offs for the quarter were at ₹2,129 crore from ₹1,969 crore QoQ.

PNB Q4 Results LIVE: Provisions for non-performing assets (NPA) fell to ₹588.31 crore at the end of the March quarter, from ₹1,958 crore during the same quarter last year. However, provisions were higher from ₹317 crore in the December quarter.

PNB Q4 Results LIVE: As on 31st March 2025, Punjab National Bank has 10,189 domestic branches and 2 International Branches. Out of the total number of branches, the bank has 63.4% branches in Rural & Semi-Urban areas.

The bank also has 11,822 ATMs and 333,49 BCs as part of its distribution network making the total number of 55,360 touch points as on 31.03.2025, PNB said.

PNB Q4 Results LIVE: PNB’s Tier-I Capital was at 14.05% (CET-1 remained at 12.33% as on March 2025 against 11.04% as on March 2024 and AT-1 remained at 1.72% as on March 2025 against 2.13% as on March 2024) and Tier-II at 2.96% as on March 2025.

PNB Q4 Results LIVE: Operating Profit for Q4FY25 at ₹6,776 crore and ₹26,831 crore for FY25, recording growth of 5.6% and 7.6%, respectively on YoY basis.

PNB Q4 Results LIVE: PNB’ global Net Interest Margin (NIM) stood at 2.81% for Q4FY25 and 2.93% for FY25. 

PNB Q4 Results LIVE: PNB’s global business grew by 14.03% to ₹26,83,260 crore in Q4FY25 from ₹23,53,038 crore, YoY. Global Deposits registered a growth of 14.38% YoY to ₹15,66,623 crore as on March 2025 from ₹13,69,713 crore as on March 2024. Global Advances increased by 13.56% to ₹11,16,637 crore from ₹9,83,325 crore, YoY.

PNB Q4 Results LIVE: PNB’s credit costs in Q4FY25 improved by 60 bps on YoY basis to 0.21% from 0.81% in Q4FY24.

PNB Q4 Results LIVE: Provision Coverage Ratio (including TWO) improved by 143 bps on YoY basis to 96.82% as on March 2025 from 95.39% as on March 2024. Provision Coverage Ratio (Excluding TWO) improved by 234 bps to 90.27% from 87.93%, YoY.

PNB Q4 Results LIVE: PNB’s net profit during FY25 grew 101.7% YoY to ₹16,630 crore, while Net Interest Income (NII) for FY25 was at ₹42,782 crore, recording growth of 6.7% on YoY basis.

PNB Q4 Results LIVE: PNB board of directors also approved raising ₹8,000 crore during FY26.

“...the Board of Directors of the Bank in the meeting held today i.e. 07 May, 2025 has inter alia: Considered the proposal of raising of capital for an amount up to Rs. 8000 crore through issuance of Basel Ill compliant Bonds (Additional Tier-I Bonds up to Rs. 4000 crore and Tier- II Bonds up to Rs. 4000 crore), to be raised in one or more tranches during FY 2025-26,” PNB said in a regulatory filing.

PNB Q4 Results LIVE: PNB board recommended a dividend of Rs. 2.90 per equity share of face value of ₹2 each for FY25.

“...the Board of Directors of the Bank in the meeting held today i.e. 07 May, 2025 has inter alia: Recommended Dividend of Rs. 2.90 per equity share (145%) of face value of Rs.2/- each for FY 2024-25, subject to approval of the shareholders at the ensuing Annual General Meeting of the Bank,” PNB said in a regulatory filing.

PNB Q4 Results LIVE: PNB’s asset quality in the quarter ended March 2025 improved sequentially. Gross Non-Performing Assets (GNPA) in Q4FY25 fell 2.93% to ₹44,081.60 crore from ₹45,413.98 crore in the quarter ended December 2025. Gross NPA as a percentage of gross advances declined to 3.95% from 4.09%, quarter-on-quarter (QoQ).

Net NPA in Q4FY25 decreased 3.13% to ₹4,290.55 crore from ₹4,437.43 crore in Q3FY25. while Net NPA ratio fell to 0.40% from 0.41%, QoQ.

PNB Q4 Results LIVE: PNB’s other income in Q4FY25 rose 11% to ₹4,716 crore from ₹4,248 crore, YoY.

PNB Q4 Results LIVE: PNB’s net interest income (NII) – the difference between interest earned and interest paid — during the March 2025 quarter increased 3.8% to ₹10,757 crore from ₹10,363 crore in the year-ago period. 

PNB Q4 Results LIVE: Punjab National Bank reported a net profit of ₹4,567 crore for the fourth quarter of FY25, registering a growth of 52% from ₹3,010 crore in the corresponding quarter of last fiscal year.

PNB Q4 Results LIVE: Pre-Provisions Operating Profit (PPOP) in Q4FY25 is expected to rise 13.4% to ₹7,280 crore from ₹6,420 crore, YoY.

PNB Q4 Results LIVE: PNB’s loan growth in the January-March 2025 quarter is expected to be at 16.8%. The PSU bank’s advances in Q4FY25 is estimated at ₹10,91,400 crore as against ₹9,34,400 crore, YoY.

PNB Q4 Results LIVE: Deposit growth of Punjab National Bank in Q4FY25 is estimated to be at 14.2% year-on-year (YoY). PNB’s deposits at the end of March 2025 quarter is estimated at ₹15,64,200 crore as against ₹13,69,700 crore in the same quarter last fiscal year, as per MOFSL estimates.

PNB Q4 Results LIVE: MOFSL expects PNB’s margins to remain stable during the quarter ended March 2025, while opex is likely to remain broadly stable. The brokerage firm expects asset quality to improve and credit cost to remain contained. Going ahead, business growth and RoA trajectory to remain the key monitorables.

PNB Q4 Results LIVE: PNB’s net interest income (NII) - the difference between interest earned and interest paid — is estimated to report double digit growth during the March 2025 quarter. NII in Q4FY25 is expected to rise 11% to ₹11,500 crore from ₹10,360 crore in the year-ago period. PNB’s NII in the December 2024 quarter was at ₹11,030 crore.

PNB Q4 Results LIVE: PNB is expected to report a net profit of ₹4,550 crore in the quarter ended March 2025, registering a growth of 51% from ₹3,010 crore in the corresponding period of last fiscal year. PNB’s net profit in Q3FY25 was at ₹4,508.21 crore.

PNB Q4 Results LIVE: Punjab National Bank share price rallied over 2% ahead of Q4 results 2025, dividend and fundraising announcement. PNB shares surged as much as 2.48% to an intraday high of ₹96.90 apiece on the BSE, as against its previous close of ₹94.55 per share.

PNB Q4 Results LIVE: Punjab National Bank is expected to report strong performance for the quarter ended March 2025, with double-digit percentage growth in profit and net interest income (NII), amid a low base a year ago. While the PSU bank’s margins and opex are estimated to remain broadly stable, analysts also  see asset quality improving and credit cost to remain contained.

PNB Q4 Results LIVE: Along with the PNB Q4 results today, the PSU bank’s board will also consider recommendation of dividend, if any, subject to approval of shareholders in the ensuing Annual General Meeting of the bank.

It will also consider the proposal for raising of capital through issuance of Basel-Ill compliant Additional Tier-I Bonds and Tier-II Bonds, in one or more tranches during FY 2025-26.

PNB Q4 Results LIVE: Punjab National Bank (PNB), the third largest public sector lender in India, is set to report its Q4 results today, May 7. PNB board of directors is scheduled to meet today to consider and approve the financial results for the fourth quarter of FY25.