Gross NPA decreased by 205 bps, reaching to 3.38%.
FinTech BizNews Service
Mumbai, April 29, 2025: Punjab & Sind today announced its Financial Results of for the Quarter (Q4) and Financial Year ended March 31, 2025.
KEY HIGHLIGHTS
The Bank's Net Profit increased by 125.18% in Q4 FY25, reaching to Rs313 crore
and for FY25 grows by 70.76%, reaching to Rs1,016 crore.
Operating Profit for Q4 FY25 increased by 142.86%, reaching to Rs816 crore and for
FY25 grows by 83.47%, reaching to Rs2,075 crore.
Net Interest Margin for Q4 FY25 increased by 87 bps, reaching to 3.19%.
Yield on Advances for Q4 FY25 increased by 102 bps and stands at 9.69%.
Return on Assets for Q4 FY25 increased by 41 bps and stands at 0.79%.
Net Interest Income for Q4 FY25 surged by 62.84% reaching Rs 1,122 crore.
Cost to Income ratio for Q4 FY25 improved by 1488 bps, stands at 54.61% and for
FY25 reduced by 1093 bps to 61.23%.
During FY25, Total Business recorded a growth of 11.69%, rising to Rs229,379 crore.
During FY25, Total Deposits grew by 8.68%, with Retail Term Deposits rising by
9.81%.
During FY25, Total Advances grew by 15.87%, while RAM Advances recorded a
growth of 23.53%.
RAM Advances (%) to Total Advances increased by 342 bps from 51.73% to
55.15%.
Gross NPA decreased significantly by 205 bps, reaching to 3.38%.
Net NPA reduced by 67 bps and stands at 0.96%.
Provision Coverage Ratio increased by 269 bps and stands at 91.38%.
