Punjab National Bank Q4 FY25 Results Preview: Punjab National Bank (PNB), the country’s third largest public sector lender by market capitalisation (mcap), is set to report its financial results on Wednesday, May 7. Analysts expect the PSU bank to stage a strong performance for the final three months of FY25, with double-digit percentage growth in profit as well as net interest income (NII).
The lender is also set to post strong growth due to a low base a year ago. Read on to learn more about what the Street expects in the upcoming PNB earnings report.
PNB Q4 FY25 Earnings Preview: What to expect in the bottom-line?
According to Zee Business research, PNB is estimated to register a net profit of Rs 4,550 crore for the quarter ended March 31, translating to an increase of 51 per cent over the corresponding period a year ago.
PNB Q4 FY25 Results: How much interest income can the PSU bank report?
PNB is expected to report a net interest income—the difference between interest earned and interest paid—of Rs 11,500 crore for the January-March period, marking an increase of 11 per cent on a year-on-year basis, according to the research.
PNB asset quality likely to remain stable
Punjab National Bank is widely expected to maintain its asset quality.
A bank’s asset quality is measured by sequential changes in the proportion of bad loans in total loans.
Zee Business analysts peg the state-run lender’s gross non-performing assets (NPAs) at 3.9 per cent for the quarter ended March 31, as against 4.1 per cent three months ago. They expect its net NPAs—or net bad loans—to remain unchanged as the previous quarter, at 0.4 per cent of total loans.
Its provisioning is set to decline significantly to Rs 270 crore for the January-March 2025 period, from Rs 1,588 crore a year ago, according to Zee Business research.
PNB share price news
On Tuesday, Punjab National Bank shares fell as much as 5.1 per cent to Rs 94.3 apiece on BSE amid lacklustre trade across Dalal Street.
At these levels, the PNB stock has declined almost 26 per cent in a year, sharply underperforming an 8.5 per cent rise in the headline Nifty 50 index. The Nifty Bank has gained 11 per cent during this period.
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