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    Thomas Cook India net profit stays flat at Rs 73.4 crore in April-June

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    Punjab National Bank (PNB) announces First Quarter Financial Results for the Quarter Ended 30th June 2025

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    Roche provides regulatory update on Elevidys™ gene therapy for Duchenne muscular dystrophy in the EU

    “Every transplant at Kauvery is a commitment to giving life where hope is fading”-Dr. S Vijayabaskaran, Executive Director – Bangalore & Hosur.

    Global childhood vaccination coverage holds steady, yet over 14 million infants remain unvaccinated – WHO, UNICEF

    “The relaunch is our way of expressing gratitude to our early patrons and reintroducing the space with renewed energy.”-Mr. Arup Chatterjee Regional Manger South spokesperson from Barbeque Nation Hospitality Ltd.

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    “This University Is Not Just an Institution—It’s a Mini City of Engineers”: Union Minister Scindia

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    PMJ Jewels Launches PMJ SuperStar Bracelet and ‘Celebrating Daughters’ Campaign

    ‘Waves’ an OTT platform that offers clean family-friendly content: Sunil Bhatiya, Deputy Director General, Doordarshan Kendra, Panaji

    Sri Sai Gold Palace’s 7th store inaugurated in Malleshwaram,Bengaluru.

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    Apollo Bannerghatta Achieves 600+ Ultrafast Fully Automatic Robotic Knee Replacement Surgeries Under Dr. K.T. Rajashekar

    GKB Opticals Unveils Experiential Flagship Store in Bengaluru

    Arunachal Minister inaugurates IITM Travel Fair in Bengaluru

    Tata CLiQ’s Moments that CLiQ Sale across fashion, luxury and beauty is set to begin the celebrations for the festive season

    “Every transplant at Kauvery is a commitment to giving life where hope is fading”-Dr. S Vijayabaskaran, Executive Director – Bangalore & Hosur.

    Absolute Hotel Services Signs Second Landmark Property in Rajasthan — New Upscale Retreat in Ajmer Marks Strategic Cluster Expansion

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  • Home
  • World

    Global hunger declines, but rises in Africa and western Asia: UN report

    L&T Technology Services Wins ~$60 Million Software Engineering Engagement From US Tier-I Telecom Provider

    Roche provides regulatory update on Elevidys™ gene therapy for Duchenne muscular dystrophy in the EU

    Wipro Wins Multi-Year “Smart Grid” Deal from Saudi Electric Company

    Glion awarded prestigious Swiss Federal Accreditation

    Global childhood vaccination coverage holds steady, yet over 14 million infants remain unvaccinated – WHO, UNICEF

  • National
    • All
    • Economy & Politics
    • Election

    “World Tiger Day” celebrated.

    realme Launches 15 Series with Industry-First AI Edit Genie and Segment leading Performance

    ShareChat & Moj Announce Second Edition of ‘Short Form Big Impact Leadership Summit 2025’

    Prakash Varma to Inaugurate Creators & Marketers School in Calicut

    Himalaya Wellness Champions Bhringaraja in New Anti-Hair Fall Campaign with a Tale of Friendship

    L&T Technology Services Wins ~$60 Million Software Engineering Engagement From US Tier-I Telecom Provider

  • Business

    Thomas Cook India net profit stays flat at Rs 73.4 crore in April-June

    Nissan’s contribution to Renault Group’s second quarter 2025 earnings

    Punjab National Bank (PNB) announces First Quarter Financial Results for the Quarter Ended 30th June 2025

  • Health

    Apollo Bannerghatta Achieves 600+ Ultrafast Fully Automatic Robotic Knee Replacement Surgeries Under Dr. K.T. Rajashekar

    Government Strengthens Measures for Consumer Protection and Curb Unverified Claims by Ayush Product Manufacturers

    Roche provides regulatory update on Elevidys™ gene therapy for Duchenne muscular dystrophy in the EU

    “Every transplant at Kauvery is a commitment to giving life where hope is fading”-Dr. S Vijayabaskaran, Executive Director – Bangalore & Hosur.

    Global childhood vaccination coverage holds steady, yet over 14 million infants remain unvaccinated – WHO, UNICEF

    “The relaunch is our way of expressing gratitude to our early patrons and reintroducing the space with renewed energy.”-Mr. Arup Chatterjee Regional Manger South spokesperson from Barbeque Nation Hospitality Ltd.

  • Technology
    • All
    • Environment
    • Science

    Eveready Launches India’s 1st Ever Hybrid Torch with Sonakshi Sinha-starrer ‘Nikita Roy’

    Sony India launches WF-C710N earbuds with Dual Noise Cancelling and smart AI calling features

    HAL receives first set of wing assemblies for LCA Mk1A from L&T

    Emerson NI Days India 2025

    Industry leaders unveil innovative solutions for print, branding, signage and digital displays.

    “This University Is Not Just an Institution—It’s a Mini City of Engineers”: Union Minister Scindia

  • Auto

    ROLLS-ROYCE IN SAINT-TROPEZ: A SUMMER AT THE RIVIERA’S MOST DISTINGUISHED ADDRESSES

    Challenging half year – Audi realignment gains momentum

    Mahindra XUV 3XO ‘REVX’ LAUNCHED:

    Piaggio Vehicles brings in a new era of Apé Electrik; launches the all-new Apé E-City Ultra and the Apé E-City FX Maxx

  • Sports

    Four Seasons Hotel Singapore Serves Up a Luxury Sports Experience with Inaugural Summer Smash Padel and Pickleball Tournament Event

    Over 99% of Indian Children Want to Play Sports but 1 in 4 P.E. Classes Get Cancelled, Shows National Survey by Sportz Village

    Gulbarga Mystics to face Mangaluru Dragons in season opener of Shriram Capital Maharaja Trophy KSCA T20  

    ‘The corner defender is the pillar of the team:’ Yogesh Dahiya on his record-breaking Bulls move

  • Entertainment

    “Virgin Boys” – A Bold Telugu Youth Drama Captures Hearts Across Theatres

    A New Era in Luxury Weddings – Vogue Wedding Atelier Debuts in India

    GenS Life and Dowith Lit Present ‘Senior Spotlight’: Bengaluru’s Open Mic Celebration for the 55+

    PMJ Jewels Launches PMJ SuperStar Bracelet and ‘Celebrating Daughters’ Campaign

    ‘Waves’ an OTT platform that offers clean family-friendly content: Sunil Bhatiya, Deputy Director General, Doordarshan Kendra, Panaji

    Sri Sai Gold Palace’s 7th store inaugurated in Malleshwaram,Bengaluru.

  • Lifestyle
    • All
    • Food
    • Travel

    Apollo Bannerghatta Achieves 600+ Ultrafast Fully Automatic Robotic Knee Replacement Surgeries Under Dr. K.T. Rajashekar

    GKB Opticals Unveils Experiential Flagship Store in Bengaluru

    Arunachal Minister inaugurates IITM Travel Fair in Bengaluru

    Tata CLiQ’s Moments that CLiQ Sale across fashion, luxury and beauty is set to begin the celebrations for the festive season

    “Every transplant at Kauvery is a commitment to giving life where hope is fading”-Dr. S Vijayabaskaran, Executive Director – Bangalore & Hosur.

    Absolute Hotel Services Signs Second Landmark Property in Rajasthan — New Upscale Retreat in Ajmer Marks Strategic Cluster Expansion

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Punjab National Bank (PNB) announces First Quarter Financial Results for the Quarter Ended 30th June 2025

by FWM
July 30, 2025
in Business
0
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.
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FWM

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