Punjab National Bank — Results, 18-10-2025: Integrated Filing- Financial

**1. Financial Performance:**

Punjab National Bank's (PNB) consolidated total income for the quarter surged 8.22% YoY to ₹37,998.84 Cr, primarily driven by strong Retail Banking and Treasury operations.

**2. Profitability and EPS:**

Quarterly net profit after tax increased 8.72% YoY to ₹5,125.28 Cr, with diluted EPS at ₹4.46 (vs ₹4.27). Half-year net profit was ₹8,690.00 Cr and EPS ₹7.88.

**3. Growth Drivers & Expense Trends:**

Profitability was significantly boosted by a nearly 90% YoY jump in 'Other Income' (non-fund activities, investments). Operating expenses were tightly managed, and provisions decreased a healthy 18.49%. Asset quality remained stable: Gross NPAs at 4.48% and Net NPAs at 0.46%.

**4. Final Lens for Investors:**

These results reflect strong financial momentum for PNB, fueled by diversified income and enhanced asset quality.