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For the full year,net profit rose 102.92% to Rs 18480.29 crore in the year ended March 2025 as against Rs 9107.20 crore during the previous year ended March 2024. Total Operating Income rose 13.70% to Rs 124009.85 crore in the year ended March 2025 as against Rs 109064.58 crore during the previous year ended March 2024.
For Q4 FY25, net interest income (NII) was at Rs 10,757 crore, up 3.8% YoY while global net interest margin (NIM) reduced to 2.81% as on 31 March 2025 as compared to 3.10% as of 31 March 2024.
On asset quality front, the bank's gross non-performing assets (GNPA) stood at 44,081.60 crore as on 31 March 2025 as against Rs 56,343.05 crore as on 31 March 2024.
Gross NPA declined to 3.95% as of 31 March 2025 as against 5.73% as on 31 March 2024. Net NPA reduced to 0.40% as on 31 March 2025 as compared to 0.73% as on 31 March 2024.
Provision coverage ratio improved to 90.27% as on March 2025 as against 87.93% as on March 2024.
CRAR stood at 17.01% as on March 2025 against 15.97% as on March 2024. Tier-I Capital was at 14.05% (CET-1 remained at 12.33% as on March’25 against 11.04% as on March’24 and AT-1 remained at 1.72% as on March’25 against 2.13% as on March’24) and Tier-II at 2.96% as on March’25.
Domestic advances grew by 13.1% YoY to Rs 9,42,391 crore as on 31 March 2025 as against Rs 10,66,048 crore as on 31 March 2024. Domestic deposits stood at Rs 13,33,365 crore as on 31 March 2025, up by 13.3% YoY.
As on 31 March 2025, CASA deposits rose 3.8% YoY to Rs 5,73,543 crore while CASA share declined to 37.95% as on 31 March 2025 as compared to 41.44% as on 31 March 2024.
Meanwhile the company’s board recommended a final dividend of Rs 2.90 per equity share of face value of Rs 2 each for FY25, subject to approval of the shareholders at the ensuing annual general meeting (AGM)
Further, the company’s board approved raising capital for an amount up to Rs 8,000 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.
Punjab National Bank is engaged in treasury operations, corporate/wholesale banking, retail banking, digital banking, others. As on 31 March 2025, the bank has 10,189 domestic branches and 2 international branches. Out of total no. of branches, the bank has 63.4% branches in rural & semi-urban areas.
The scrip shed 0.32% to end at Rs 94.25 on the BSE.
Punjab National Bank is down for a fifth straight session today. The stock is quoting at Rs 94.29, down 0.19% on the day as on 13:19 IST on the NSE. The benchmark NIFTY is down around 0.06% on the day, quoting at 24365.2. The Sensex is at 80553.04, down 0.11%.Punjab National Bank has lost around 2.7% in last one month.Meanwhile, Nifty Bank index of which Punjab National Bank is a constituent, has increased around 7.45% in last one month and is currently quoting at 54271.4, up 0.01% on the day. The volume in the stock stood at 337.26 lakh shares today, compared to the daily average of 233.32 lakh shares in last one month.
The benchmark May futures contract for the stock is quoting at Rs 94.67, down 0.02% on the day. Punjab National Bank tumbled 24.45% in last one year as compared to a 9.25% rally in NIFTY and a 13.02% spurt in the Nifty Bank index.
The PE of the stock is 7.21 based on TTM earnings ending December 24.
In the cash market, the Nifty 50 index added 34.80 points or 0.14% to 24,414.40.
The NSE's India VIX, a gauge of the market's expectation of volatility over the near term, added 0.34% to 19.06.
Tata Motors, BSE and Punjab National Bank were the top traded individual stock futures contracts in the F&O segment of the NSE.
The May 2025 F&O contracts will expire on 29 May 2025.