🏦 Q4 FY25 Results Comparison: Canara Bank vs PNB vs BoB
📊 Business Growth
- PNB
- Global business up 14.03% to ₹26.83 lakh crore
- Global deposits up 14.38%, advances up 13.56%
- RAM (Retail, Agri, MSME) advances surged 15.89%
- BoB
- Global advances rose 12.8%
- Retail loans up 19.4%, deposits up 10.3%
- Canara Bank
- Advances grew 11.74%, domestic deposits up 9.56%
💰 Profitability
- PNB
- RoE: 19.33% (highest among peers)
- RoA: 0.97%
- NII up 6.7%, but NIM flat at 2.93%
- BoB
- NIM highest at 3.02%, RoA: 1.16%, RoE: 16.96%
- Canara Bank
- NII fell 1.44%, NIM down 34 bps to 2.73%
- Still, operating profit up 12.14% YoY, net profit up 33%
🧾 Asset Quality
- BoB
- Best metrics: GNPA at 2.26%, NNPA at 0.58%
- PNB
- Highest Provision Coverage Ratio (PCR) at 96.82%
- Credit cost fell to 0.21% from 0.81%
- Canara Bank
- GNPA at 2.94%, NNPA at 0.70%, PCR at 92.7%
📈 Technical View
🔹 Canara Bank
- Bullish engulfing pattern on monthly chart
- Broke out of Bollinger Band → Potential uptrend
- Medium-term target: ₹125–₹130
- CMP: ₹95–₹100 | Stop loss: ₹75
🔹 BoB
- In profit-booking and consolidation phase (₹200–₹250 range)
- Wait for a breakout to confirm direction
🔹 PNB
- No strong technical setup yet
- Post-correction, limited upside in near term
📌 Investor Takeaway
- ✅ PNB: Best for growth-focused investors due to strong fundamentals
- ✅ BoB: Ideal for conservative investors focused on stability & asset quality
- ⚠️ Canara Bank: Technically attractive for traders, but fundamentally weaker due to NII/NIM drop
