PNB ne Q2 mein kamaal kar diya hai! Net profit **12.8%** ke jump ke saath **₹5,532 crore** pahunch gaya hai. Advances mein achhi growth aur lower provisions ne is baar profit ko boost diya hai.
Profit ka damdaar performance
Is baar Punjab National Bank (PNB) ne market expectations ko beat karte hue ₹5,532 crore ka net profit report kiya hai, jo pichle saal isi quarter mein ₹4,904 crore tha. Bank ki total income ₹38,185 crore tak pahunch gayi hai.
Provisions mein badi katoti
Profit badhne ke peeche ka sabse bada reason hai provisions mein heavy reduction. Bank ne potential losses ke liye sirf ₹97 crore alag rakhe hain, jo ki pichle saal ke ₹643 crore ke mukable bahut kam hain. Iska matlab hai ki bank ka asset quality kaafi improve hua hai.
Asset quality ka kya scene hai?
- GNPA Ratio: Yeh girkar 2.55% par aa gaya hai, jo pichle saal 3.45% tha.
- Net NPA: Yeh bhi sudhar kar 0.25% ho gaya hai.
- Slippage Ratio: Ek choti si chinta ki baat ye hai ki slippage ratio badhkar 0.77% ho gaya hai, yaani fresh bad loans par abhi bhi nazar rakhni hogi.
Business growth full speed mein
Bank ka global business 11.9% badhkar ₹31.18 lakh crore ho gaya hai. Advances 14.7% ki speed se badhe hain aur ₹13.41 lakh crore tak pahunch gaye hain. Deposits mein bhi 9.9% ki growth dekhi gayi hai, jisse total deposit ₹17.77 lakh crore ho gaye hain.
Overall, PNB ka NIM (Net Interest Margin) improve hokar 2.58% par hai aur CRAR 17.95% ke saath bank ka capital cushion bhi kaafi solid hai. Investors ko bas ab ye dekhna hai ki agle quarters mein loan book ki quality kaisi rehti hai.