PNB Q4 Results Preview: 55% YoY Profit Growth Expected; Asset Quality Seen Stable

On Wednesday, May 7, Punjab National Bank (PNB), the third-largest public sector lender in the nation by market capitalization is scheduled to release its financial results. The PSU bank is anticipated by the market to put up a solid show in Q4FY25.

PNB Q4 Profitability Preview

PNB to report a good set of results for the first 3 months of the CY 2025. Net Profit is expected to rise to Rs 4700 cr which is almost 55% more than the corresponding period a year ago. Net Interest Margin is also likely be robust at around 12%, as per Mr. Gaurav Goel, (Entrepreneur and SEBI Registered Investment Advisor).

PNB Q4 Asset Quality Preview

Asset quality is likely to be stable. Both gross and net NPA levels can show marginal decline. It will be interesting to see what they have to say in their commentary with respect to Supreme Court overturning the acquisition of Bhushan Power &Steel by JSW steel as PNB was the biggest beneficiary of this IBC resolution, commented Gaurav Goel.
It should be kept In mind that its stock has recently suffered reversal because of SC order. A good set of results can aid quick recovery.

PNB Dividend & Fundraising News

The Board of Directors of the bank will consider and approve any dividends, subject to shareholder approval at the Annual General Meeting of the Bank, on Wednesday, May 07, 2025. Additionally, the Board will consider the proposal to raise capital through the issuance of Basel-Ill compliant Additional Tier-I Bonds and Tier-II Bonds, in one or more tranches during FY 2025-26, in addition to the financial results of the Bank for the quarter/year ended March 31, 2025, which will be announced today.

PNB Trading Window Closure

"Further, in terms of SEBI (Prohibition of Insider Trading) Regulations,2015 and the Bank's Policy for Prevention of Insider Trading, the 'Trading Window' for dealing in the shares of the Bank which was closed from opt April, 2025 (intimated vide communication dated 20 March, 2025) shall remain closed till 09" May, 2025," said PNB in a stock exchange filing.

PNB Q3 Results

In releasing its financial results for the October-December quarter of the current fiscal year (Q3 FY25), Punjab National Bank (PNB) reported a standalone net profit of Rs 4,508 crore rising 103% from Rs 2,222 crore during the same period last year. From Rs 10,293 crore in Q3FY24 to Rs 11,033 crore in Q3FY25, the bank's net interest income (NII) grew 7.2% YoY.

In the reporting period, PNB's overall income increased 16% to Rs 34,751.7 crore from Rs 29,961.65 crore in the third quarter of FY24. In the December 2025 quarter, the bank's gross non-performing assets dropped to Rs 45,413.98 crore from Rs 60,371.38 crore in the same period last year. Its Gross Non-Performing Asset (NPA) Ratio dropped from 4.48% in Q2 FY25 and 6.24% in Q3 FY24 to 4.09%. The bank's net non-performing assets (NPA) shrank to Rs 4,437.43 crore from Rs 8,815.88 crore in the December 2023 quarter. The bank's net non-performing asset (NPA) ratio dropped from 0.96% in Q3 FY24 and 0.66% in Q2 FY25 to 0.41% in Q3FY25.