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View Plans2-year trend showing revenue, gross profit, and net profit
Punjab National Bank's revenue grew 14.8% to 1,404.57B and net profit grew 102.9% to 184.80B YoY in FY2025, indicating healthy business momentum.
In FY 2025, Punjab National Bank's revenue grew by 14.8% year-over-year. Revenue = interest earned + other income. Gross Profit = revenue minus interest expenditure. Net Profit is the bottom line after all expenses, provisions, and taxes. Consistent growth across all three signals a healthy, expanding bank.
2-year trend showing profitability efficiency
Punjab National Bank's NIM of 2.9% in FY2025 indicates adequate interest spreads.
In FY 2025, Punjab National Bank reported a NIM of 2.93%. NIM = (Interest Earned - Interest Paid) / Average Earning Assets. For Indian banks, 2.5-4% is typically healthy. Higher NIM indicates better spread management between lending rates and deposit costs. Consistent or improving NIM suggests strong pricing power.
2-year trend showing asset quality
Punjab National Bank's net NPA ratio of 0.4% in FY2025 indicates strong asset quality with well-managed credit risk.
In FY 2025, Punjab National Bank reported a net NPA ratio of 0.40%. Net NPA Ratio = (Gross NPAs - Provisions) / Total Loans. Measures bad loans after provisions as a percentage of total loans. Below 2% is healthy for Indian banks; above 3-4% signals stress. A declining trend indicates improving asset quality and effective risk management.
2-year trend showing profitability efficiency
Punjab National Bank's ROA of 1.0% in FY2025 indicates moderate asset utilisation, with ROE at 13.8%.
In FY 2025, Punjab National Bank reported an ROA of 0.99% and an ROE of 13.8%. ROA = (Net Income / Total Assets) x 100; ROE = (Net Income / Equity) x 100. The gap between ROE and ROA reveals leverage impact. For Indian banks, ROA of 0.8-1.5% and ROE of 12-18% are healthy. ROA is the primary indicator as it cannot be inflated by leverage.
2-year trend showing liquidity and lending efficiency
Punjab National Bank's loan-to-deposit ratio of 68.9% in FY2025 indicates conservative lending — deposits are underutilised.
In FY 2025, Punjab National Bank reported a loan-to-deposit ratio of 68.9%. LDR = (Total Loans / Total Deposits) x 100. Optimal range is 70-85% for Indian banks. Above 90% signals liquidity risk; below 65% suggests deposit underutilisation. A stable trend indicates balanced lending practices and adequate liquidity management.
2-year trend showing capital structure efficiency
Punjab National Bank's financial leverage of 13.9x in FY2025 indicates well-balanced capital structure within typical banking norms.
In FY 2025, Punjab National Bank reported a financial leverage ratio of 13.9x. Financial Leverage = Total Assets / Total Equity. Expressed as a multiple (e.g., 10x). For Indian banks, 10-15x is typical. Higher leverage amplifies returns but increases risk. Regulatory capital requirements set upper limits. Compare with peers for context.
2-year trend showing leverage and financial stability
Punjab National Bank's borrowings-to-networth ratio of 79.1% in FY2025 indicates moderate borrowing levels.
In FY 2025, Punjab National Bank reported a borrowings-to-networth ratio of 79.1%. Borrowings/Networth = (Total Borrowings / Shareholders' Equity) x 100. Lower is better — indicates less reliance on debt. Banks naturally carry higher leverage than other industries. Consistent increases may signal aggressive growth or capital constraints. Compare with peer banks for context.
Year-over-year change in diluted shares outstanding
Punjab National Bank's diluted shares increased 2.2% YoY in FY2025 — share dilution.
Over 2 years (FY2024–FY2025), diluted shares increased 2.2% from 11.01B to 11.26B, indicating cumulative dilution.
In FY 2025, Punjab National Bank's diluted shares increased by 2.2% year-over-year. Diluted Shares accounts for stock options, warrants, and convertibles. Positive YoY change means dilution (red); negative means buybacks (green). Consistent dilution above 5% annually is a red flag.
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Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: FY 2025