Financial Results for the Quarter Ended 30th June 2025
Key Highlights
Highest ever Operating Profit achieved at ₹ 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.
Business Performance in Key Parameters
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)
JANSURAKSHA SCHEME ENROLLMENT UP TO | 30.06.2024 | 30.06.2025 |
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) | 65.39 | 75.54 |
Pradhan Mantri Suraksha Bima Yojana (PMSBY) | 261.68 | 300.15 |
Atal Pension Yojana (APY) | 39.80 | 48.11 |
Distribution Network
- As on 30th June 2025, the Bank has 10209 domestic branches and 2 International Branches.
- The distribution of branches is as under:
Category | No. of Branches | %age Share |
Metro | 1729 | 16.9% |
Urban | 2010 | 19.7% |
Semi Urban | 2525 | 24.7% |
Rural | 3945 | 38.7% |
- The bank also has 11240 ATMs and 31763 BCs as part of its distribution network.
Digital Progress and Initiatives
- 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 1st Bank in the industry with capability of off-us onboarding by using Aadhar number of beneficiaries/wallet holders.
ADVERTISEMENT
