Punjab National Bank (PNB) has reported a net profit of ₹5,100 Crore for Q3 FY26, a 13.1% YoY increase. The bank also saw improvements in asset quality with a GNPA ratio of 3.19% and a NNPA ratio of 0.32%. Global business reached ₹28,91,528 Cr, up 9.5% YoY.
Financial Highlights
Punjab National Bank (PNB) reported strong financial results for the quarter ended December 31, 2025 (Q3 FY26), showcasing improvements in profitability and asset quality. Key highlights include:
- Net Profit: ₹5,100 Cr (up 13.1% YoY)
- Operating Profit: ₹7,481 Cr (up 13.0% YoY)
- ROA: 1.06% (up 03 bps YoY)
Asset Quality
PNB demonstrated enhanced asset quality during the quarter:
- GNPA: 3.19% (down 90 bps YoY)
- NNPA: 0.32% (down 9 bps YoY)
- PCR (Including TWO): 96.99% (up 22 bps YoY)
- Slippage Ratio: 0.67% (down 2 bps YoY)
Business Performance
The bank’s overall business also showed positive growth:
- Global Business: ₹28,91,528 Cr (up 9.5% YoY)
- Global Deposits: ₹16,60,290 Cr (up 8.5% YoY)
- Global Advances: ₹12,31,238 Cr (up 10.9% YoY)
- RAM Advances: ₹6,61,826 Cr (up 11.0% YoY)
Key Ratios
- Cost to Income Ratio: 51.91%
- Return on Assets: 1.06%
- Return on Equity: 17.80%
Source: BSE
