Punjab National Bank Q3 FY25 Results Profit Up, NII Misses

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The post reviews Punjab National Bank Q3 FY25 results, citing profit growth and improving asset quality as positive but noting core margin pressure from falling NII.

PNB — WATCH PNB's Q3 FY25 net profit rose 13.1% YoY to ₹5,100 crore, beating estimates, while gross NPA improved to 3.19% from 3.45% QoQ and net NPA to 0.32%. The author notes that profits grew from cost control and lower bad loans but that NII fell 4.5% YoY, indicating pressure on core banking margins. The author calls improved asset quality a positive trend going forward despite the NII miss.

Asset quality continues to improve, which is a positive trend going forward.

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u/Illustrious_Lie_954 Reddit r/IndianStockMarket

PNB asset quality improving but NII margin pressure

PNB's Q3 FY25 net profit rose 13.1% YoY to ₹5,100 crore, beating estimates, while gross NPA improved to 3.19% from 3.45% QoQ and net NPA to 0.32%. The author notes that profits grew from cost control and lower bad loans but that NII fell 4.5% YoY, indicating pressure on core banking margins. The author calls improved asset quality a positive trend going forward despite the NII miss.

This Reddit post, published January 19, 2026, features u/Illustrious_Lie_954 discussing PNB.NS. 1 trade idea extracted by AI with direction and confidence scoring.

Speakers: u/Illustrious_Lie_954 · Tickers: PNB.NS

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