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Punjab National Bank Q4 Results Review: NII Below Estimate As NIMs Decline; Motilal Oswal Retains 'Buy'
Motilal Oswal largely maintain its earnings per share estimates and expect PNB's RoA/RoE at 1.05%/15.5% in FY27E.
08 May 2025, 09:42 AM IST 
PNB's NII declined 2.5% QoQ (up 3.8% YoY) to Rs 107.5 billion (6% miss), as NIMs declined 12 bp QoQ to 2.81%. (Photo Source: NDTV Profit)
Punjab National Bank reported a Q4 FY25 PAT of Rs 45.7 billion (up 52% YoY, in line), aided by better other income and a lower tax rate, partly offset by net interest income miss (as net interest margins declined) and higher provisions. NII declined 2.5% QoQ (6% miss), while NIMs contracted 12bp QoQ to 2.81% (2.96% domestic NIMs).
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