Punjab National Bank’s Board of Directors has approved the unaudited financial results for Q3 2026. The bank reported a total income of ₹37,253.08 lacs and an operating profit of ₹74,808.7 lacs. Net profit after tax stood at ₹51,001.5 lacs. Key financial ratios, including capital adequacy and NPA ratios, were also disclosed, alongside segment-wise performance. These results reflect the bank’s performance for the nine months ended December 31, 2025.
Financial Performance Highlights
Punjab National Bank (PNB) has released its unaudited financial results for the quarter ended December 31, 2025. Key highlights from the report include:
- Total Income: ₹37,253.08 lacs
- Interest Expended: ₹21,698.42 lacs
- Operating Expenses: ₹8,073.79 lacs
- Operating Profit (before Provisions & Contingencies): ₹74,808.7 lacs
- Net Profit (after tax): ₹51,001.5 lacs
Key Financial Ratios
The bank’s financial stability is reflected in the following key ratios:
- Capital Adequacy Ratio (Basel III): 16.77%
- CET 1 Ratio: 12.52%
- Gross NPA: 3.19%
- Net NPA: 0.32%
- Return on Assets (Annualized): 1.06%
Segment-Wise Performance
PNB also provided a breakdown of its performance across different business segments:
- Treasury Operations: Revenue of ₹4,757.26 lacs
- Corporate/Wholesale Banking: Revenue of ₹14,756.36 lacs
- Retail Banking: Revenue of ₹14,181.55 lacs
Further details on the segment reporting can be found in the detailed financial results. The board has approved these results in its meeting held on January 19, 2026.
Digital Banking Initiatives
The bank identified Digital Banking segment as sub-segment under Retail Banking. As of December 31, 2025, 8 Digital Banking Units (DBUs) of the bank are operating.
Debt Securities
The Security Cover certificate has been issued certifying covenants/terms of the issue in respect of debt securities.
Source: BSE
