Punjab National Bank announced Q2FY25 results Net Profit increased YoY by 145% to Rs 4,303 crore in Q2FY25 as against Rs 1,756 crore in Q2FY24. Return on Assets (RoA) improved to 1.02% in Q2FY25 from 0.46% in Q2FY24. Return on Equity (RoE) improved to 19.91% in Q2FY25 from 10.15% in Q2FY24. Net Interest Income (NII) increased to Rs 10,517 crore in Q2FY25 from Rs 9,923 crore in Q2FY24 showing an improvement of 5.99% on YoY basis. Global Net Interest Margin (NIM) stands at 2.99% in H1FY25 and 2.92% in Q2FY25. Operating Profit increased YoY by 10.25% to Rs 6,853 crore in Q2FY25 as against Rs 6,216 crore in Q2FY24. GNPA ratio improved by 248 bps on YoY basis to 4.48% as Q2FY25 from 6.96% Q2FY24. NNPA ratio improved by 101 bps on YoY basis to 0.46% as Q2FY25 from 1.47% Q2FY24. Provision Coverage Ratio (including TWO) improved by 476 bps on YoY basis to 96.67% as Q2FY25 from 91.91% Q2FY24. Provision Coverage Ratio (Excluding TWO) improved by 1018 bps on YoY basis to 90.18% as Q2FY25 from 80.00% Q2FY24. Credit Cost improved by 123 bps on YoY basis to 0.08% in Q2FY25 from 1.31% in Q2FY24. Global Business grew by 11.93% on YoY basis to Rs 25,20,246 crore as Q2FY25 from Rs 22,51,631 crore Q2FY24. Global Deposits registered a growth of 11.33% on YoY basis to Rs 14,58,342 crore as Q2FY25 from Rs 13,09,910 crore Q2FY24. Global Advances increased by 12.76% on YoY basis to Rs 10,61,904 crore as Q2FY25 from Rs 9,41,721 crore Q2FY24. RAM Advances grew by 12.03% on YoY basis to Rs 5,64,049 crore as Q2FY25 from Rs 5,03,489 crore Q2FY24. CD Ratio improved to 72.82% as Q2FY25 as against 71.89% in Q2FY24. Result PDF