📊 PNB Q2 FY2025–26 Financial Summary
| Particulars | Q2 FY2025–26 | Q1 FY2025–26 | Q2 FY2024–25 |
|---|---|---|---|
| Net Profit (PAT) | ₹4,904 Cr | ₹1,832 Cr | ₹4,303 Cr |
| Net Interest Income (NII) | ₹10,469 Cr | ₹10,657 Cr | ₹10,517 Cr |
| CASA Ratio | 47.5% | 46.8% | 45.2% |
| Gross NPA | 2.5% | 2.6% | 2.8% |
| Net NPA | 0.9% | 1.0% | 1.2% |
| Total Income | ₹36,214 Cr | ₹35,000 Cr | ₹34,500 Cr |
Source: Business Standard
🔍 Q2 FY2025–26 Analysis
📈 Profit & Total Income
Net profit ₹4,904 Cr, up 14% YoY.
Total income increased to ₹36,214 Cr, reflecting strong operational growth.
🏦 NII & Asset Quality
NII slightly down 0.45% QoQ to ₹10,469 Cr.
CASA ratio improved to 47.5%, indicating higher low-cost deposits.
Gross NPA 2.5%, Net NPA 0.9%, reflecting improved asset quality.
💰 Provisions
Provisions reduced to ₹280.16 Cr, down 68.96% YoY, strengthening the balance sheet.
🧭 Management Guidance FY2025–26
Focus on digital banking and fintech partnerships for operational efficiency.
Expand loan growth in retail and MSME segments.
Margin improvement via cost control and interest rate adjustments.
✅ Key Takeaways
Net profit ₹4,904 Cr, YoY growth 14%.
CASA ratio improved to 47.5%; NII ₹10,469 Cr.
Gross NPA 2.5%; Net NPA 0.9%.
Reduced provisions strengthen balance sheet.
Management expects H2 FY26 performance to improve with digital adoption and credit expansion.
💼 Conclusion
PNB Q2 FY2025–26 results show strong profit growth, improved CASA ratio, and stable asset quality. Management’s strategic guidance on digital banking, loan expansion, and margin improvement indicates a positive outlook for H2 FY2025–26.
