Q4 FY25 Results Comparison: Canara Bank, PNB & BoB

Several India’s public sector banks (PSBs) have reported their financial results for Q4 FY25, revealing varied performance metrics across the sector. Among the key players, Canara Bank, Punjab National Bank (PNB), and Bank of Baroda (BoB) have shown trends in their results. In this article, we analyse how each of these institutions fared in the latest quarter and what that may signal for the road ahead.

Canara Bank: Profit Growth Amid Margin Pressures

Canara Bank reported a 33.19% year-on-year increase in standalone net profit for Q4 FY25, reaching ₹5,004 crore, up from ₹3,757 crore in the same quarter the previous year. Total interest income rose by 7.62% to ₹31,002 crore.

However, net interest income (NII) declined by 1.44% to ₹9,442 crore, attributed to a narrowing net interest margin (NIM), which fell by 25 basis points to 2.80%. The bank declared a dividend of ₹4 per share.

Punjab National Bank: Profit Surge and Asset Quality Improvement

Punjab National Bank (PNB) reported a 52% year-on-year increase in net profit for Q4 FY25, totaling ₹4,567 crore, compared to ₹3,010 crore in the same quarter the previous year.

For the full fiscal year, net profit more than doubled to ₹16,630 crore. The bank's net interest income (NII) increased by 3.8% year-on-year to ₹10,757 crore. Asset quality improved, with gross non-performing assets (GNPA) declining to ₹44,082 crore from ₹56,343 crore, and net NPA reducing to ₹4,291 crore.

Bank of Baroda: Profit Growth Amid Margin Compression

Bank of Baroda (BoB) reported a 3.3% year-on-year increase in standalone net profit for Q4 FY25, amounting to ₹5,048 crore, up from ₹4,886 crore in the same quarter the previous year. However, net interest income (NII) declined by 6.6% to ₹11,020 crore. The consolidated net profit crossed the ₹20,000 crore milestone, reaching ₹20,716 crore for FY25. The bank declared a dividend of ₹8.35 per share.

Also Read: LIC Increased Stake in BOB!

Conclusion

The Q4 FY25 results highlight distinct trends across India’s top public sector banks. Canara Bank demonstrated profit growth despite margin pressures, underscoring operational efficiency but also pointing to the need for NIM stability. Punjab National Bank delivered a surge in profitability and notable improvements in asset quality, signaling a successful turnaround trajectory. Bank of Baroda showed profit growth by touching new milestones annually, but the decline in quarterly NII suggests some headwinds in core income generation.

As the Indian banking landscape grows more competitive, these results reflect how each bank is navigating economic cycles, regulatory expectations, and strategic priorities.

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