PNB Financial Results June 2025 Released, Net Profit Rs 1,675 crore [PDF]

Punjab National Bank (PNB) has released financial results for June 2025 Quarter. Punjab National Bank has reported a standalone net profit of Rs 1,675 crore for the quarter ended June 2025. PNB has reported Highest ever Operating Profit of ₹ 7081 Crore.

• Global Business grew by 11.6% on Y-o-Y basis to ₹27,19,276 Crore as on June’25 from ₹24,36,929 Crore as on June’24.
• Global Deposits registered a growth of 12.9% on Y-o-Y basis to ₹15,89,379 Crore as on June’25 from ₹14,08,247 Crore as on June’24.
• Global Advances increased by 9.8% on Y-o-Y basis to ₹11,29,898 Crore as on June’25 from ₹10,28,682 Crore as on June’24.
• CD Ratio stood at 71.09% as on June’25 as against 71.28% in March’25.
• GNPA ratio improved by 120 bps on Y-o-Y basis to 3.78% as on June’25 from 4.98% as on June’24.
• NNPA ratio improved by 22 bps on Y-o-Y basis to 0.38% as on June’25 from 0.60% as on June’24.
• Provision Coverage Ratio (including TWO) improved by 98 bps on Y-o-Y basis to 96.88% as on June’25 from 95.90% as on June’24.
• Provision Coverage Ratio (Excluding TWO) improved by 189 bps on Y-o-Y basis to 90.32% as on June’25 from 88.43% as on June’24.
• Slippage ratio improved by 5 bps on Y-o-Y basis to 0.71% as on June’25 from 0.76% as on June’24.
• Credit Cost improved by 18 bps on Y-o-Y basis to 0.14% in Q1 FY’26 from 0.32% in Q1 FY’25.
• Profit before Tax increased Y-o-Y by 28.3% to ₹6,758 Crore in Q1 FY’26 as against ₹5,269 Crore in Q1 FY’25.
• Global Net Interest Margin stands at 2.7% in Q1 FY’26.
• Net Interest Income (NII) increased to ₹10,578 Crore in Q1 FY’26 from ₹10,476 Crore in Q1 FY’25 showing an improvement of 1.0% on Y-o-Y basis.

Click here to download PNB Financial Results June 2025

Deposits

• Savings Deposits increased to ₹4,97,981 Crore registering a Y-o-Y growth of 2.8%.
• Current Deposits stood at ₹70,656 Crore as on June’25 registering a Y-o-Y growth of 9.2%.
• CASA Deposits increased to ₹5,68,638 Crore recording a Y-o-Y growth of 3.6%.
• CASA Share of the bank stands at 36.99% as on June’25.

Advances

• Total Retail credit increased by 11.8% Y-o-Y to ₹2,62,219 Crore in June’25.
• The bank grew under Core Retail Advances recording a Y-o-Y growth of 17.7%. Within Core Retail Credit:
  • Housing Loan grew by 16.6% Y-o-Y to ₹1,18,708 Crore.
  • Vehicle loan posted a growth of 25.3% Y-o-Y to reach ₹27,229 Crore.
• Agriculture Advances grew by 6.2% on Y-o-Y basis to ₹1,78,885 Crore.
• MSME Advances increased Y-o-Y by 18.6% to ₹1,69,426 Crore.

Asset Quality

• Gross Non-Performing Assets (GNPA) declined by ₹8,590 Crore to ₹42,673 Crore as on June’25 from ₹51,263 Crore as on June’24.
• Net Non-Performing Assets (NNPA) declined by ₹1,798 Crore to ₹4,132 Crore as on June’25 from ₹5930 Crore as on June’24.

Profitability

• Total Income of the Bank is at ₹37,232 Crore for Q1 FY’26 increased from ₹32,166 Crore for Q1 FY’25, recording a growth of 15.7% on Y-o-Y basis.
• Total Interest Income of the Bank is at ₹31,964 Crore for Q1 FY’26 increased from ₹28,556 Crore for Q1 FY’25, recording a growth of 11.9% on Y-o-Y basis.
• Fee based income of the Bank is at ₹2,250 Crore for Q1 FY’26 increased from ₹2,077 Crore for Q1 FY’25, recording a growth of 8.3% on Y-o-Y basis.

Efficiency/Productivity Ratio

• Domestic Net Interest Margin stands at 2.84% for Q1 FY’26.
• Global Yield on Advances stands at 8.14% for Q1 FY’26.
• Business per employee improved to ₹27.30 Crore as on June’25 from ₹24.80 Crore as on June’24.
• Business per branch improved to ₹257.39 Crore as on June’25 from ₹233.26 Crore as on June’24.
• Net profit per employee stands at ₹6.98 Lakhs as on Q1 FY’26.
• Net profit per branch stands at ₹65.80 Lakhs as on Q1 FY’26.

Capital Adequacy

• CRAR increased to 17.50% as on June’25 from 15.79% as on June’24 registering an improvement of 171 bps.
• Tier-I Capital improved to 14.62% as on June’25 (CET-1 at 12.95 % as on June’25 and AT1 at 1.67%) from 13.04% as on June’24 and Tier-II improved to 2.88% as on June’25 from 2.75% as on June’24.

Financial Inclusion

• PMJDY accounts increased to 5.39 Crore as on June’25 from 5.13 Crore as on June’24.
• Enrollments under PMJJBY, PMSBY & APY up to June’25 are as under:

(No. In Lacs)

Distribution Network

• As on 30^th June 2025, the Bank has 10209 domestic branches and 2 International Branches.
• The distribution of branches is as under:

• The bank also has 11240 ATMs and 31763 BCs as part of its distribution network.

Digital Progress

• Number of Digital Transactions increased to 294 Crores as on 30.06.2025 from 221 Crores as on 30.06.2025 registering a growth of 32% on Y-o-Y basis.
• Number of PNB One Activated users increased to 223 Lakh as on 30.06.2025 from 187 Lakh as on 30.06.2024 registering a growth of 19% on Y-o-Y basis.
• Number of WhatsApp Banking users increased to 69.7 Lakh as on 30.06.2025 from 34.0 Lakh as on 30.06.2024 registering a growth of 105% on Y-o-Y basis.
• PNB is the 1^st Bank in the industry with capability of off-us onboarding by using Aadhar number of beneficiaries/wallet holders.

Click here to download PNB Financial Results June 2025