PNB Q4FY25 net profit jumps 50% to ₹4,642.9 cr; FY25 profit more than doubles, NPAs fall sharply

The public sector bank’s total income for the quarter grew 13.1 percent to ₹37,299 crore, up from ₹32,976.5 crore in Q4 FY24.

Compared to the preceding quarter, the income rose 5.7 percent from ₹35,286.4 crore.

FY25 performance

For the full financial year 2024–25, PNB posted a net profit of ₹17,439.6 crore, marking a substantial 109 percent jump from ₹8,328.9 crore a year earlier.

Asset quality improves

The bank’s gross non-performing asset (GNPA) ratio declined to 3.95 percent as of March 2025, down from 5.73 percent in the same period last year.

Similarly, the net non-performing asset (NNPA) ratio improved to 0.4 percent, compared to 0.73 percent in Q4 FY24.

Dividend and deposits

The board of directors has recommended a dividend of ₹2.90 per equity share for the financial year 2024–25.

The bank also reported that its savings deposits rose to ₹4,98,429 crore, registering a 3.8 per cent Y-o-Y growth. Term deposits surged by 21.5 percent Y-o-Y to ₹9,93,080 crore.

Following the announcement of the fourth-quarter results, shares of PNB were trading 0.21 percent lower at ₹94.35 apiece on the BSE at 3:05 pm on Wednesday.