Punjab National Bank announced Q4FY25 & FY25 results Bank registered a Net Profit of Rs 16,630 crore during FY25 with YoY growth of 101.7%. The Net Profit for Q4FY25 is Rs 4,567 crore as against Rs 3,010 crore in Q4FY24 with YoY growth of 51.7%. Return on Assets (RoA) improved by 25 bps to 1.02% in Q4FY25 from 0.77% in Q4FY24. RoA improved YoY by 43 bps to 0.97% during FY’25 from 0.54% in FY’24. Return on Equity (RoE) improved to 19.23% in Q4FY25 from 16.48% in Q4FY24. RoE improved to 19.33% during FY’25 from 11.66% in FY’24. Net Interest Income for FY’25 was at Rs 42,782 crore recording growth of 6.7% on YoY basis. NII increased to Rs 10,757 crore in Q4FY25 from Rs 10,363 crore in Q4FY24. GNPA ratio improved by 178 bps on YoY basis to 3.95% as on March’25 from 5.73% as on March’24. NNPA ratio improved by 33 bps on YoY basis to 0.40% as on March’25 from 0.73% as on March’24 Provision Coverage Ratio (including TWO) improved by 143 bps on YoY basis to 96.82% as on March’25 from 95.39% as on March’24. Provision Coverage Ratio (Excluding TWO) improved by 234 bps on YoY basis to 90.27% as on March’25 from 87.93% as on March’24. Credit Cost improved by 60 bps on YoY basis to 0.21% in Q4FY25 from 0.81% in Q4FY24. Global Business grew by 14.03% on YoY basis to Rs 26,83,260 crore as on March’25 from Rs 23,53,038 crore as on March’24. Global Deposits registered a growth of 14.38% on YoY basis to Rs 15,66,623 crore as on March’25 from Rs 13,69,713 crore as on March’24. Global Advances increased by 13.56% on YoY basis to Rs 11,16,637 crore as on March’25 from Rs 9,83,325 crore as on March’24 RAM Advances grew by 15.89% on YoY basis to Rs 6,02,682 crore as on March’25 from Rs 5,20,050 crore as on March’24 Result PDF