Punjab National Bank posted ₹4,904 cr profit, a 14% rise, better asset quality, and strong retail growth.

• Net interest income slightly fell to ₹10,469 cr, down from ₹10,517 cr year‑on‑year in the quarter.
• Gross NPA ratio improved to 3.45%, while net NPA dropped to 0.36% this quarter overall.
• Retail advances rose 8.8% YoY; housing loans up 12.9%, vehicle loans surged 31% in Q2.