Punjab National Bank (PNB) has released a revised analyst presentation detailing the unaudited financial results for Q3 FY26, ending December 31, 2025. The presentation covers key performance indicators, asset quality, business highlights, and other strategic updates. Detailed information is available on the bank’s website.
Profitability Highlights
PNB reported a net profit of ₹5,100 Cr, a 13.1% year-over-year increase. The Return on Assets (ROA) stood at 1.06%. Book Value Per Share (Tangible) reached ₹101.89, showing a 23.1% YoY growth. Operating Profit was reported at ₹7,481 Cr, a 13.0% increase YoY.
Asset Quality
The Gross NPA (GNPA) improved to 3.19%, a decrease of 90 bps YoY. Net NPA (NNPA) also improved to 0.32%, down by 9 bps YoY. The PCR (Inc. TWO) was 96.99%, with a Slippage Ratio of 0.67%.
Business Performance
Global Business reached ₹28,91,528 Cr, reflecting a 9.5% YoY increase. Global Deposits amounted to ₹16,60,290 Cr, an 8.5% YoY growth. Global Advances stood at ₹12,31,238 Cr, with a 10.9% YoY increase. RAM Advances reached ₹6,61,826 Cr, showing an 11.0% YoY increase.
Key Ratios and Capital Adequacy
The Return on Assets stood at 1.06% for Q3 FY26, compared to 1.03% in Q3 FY25. The Return on Equity was reported at 17.80%. The Earning Per Share (Not Annualized) reached ₹4.44. The CRAR was 16.77% and CET I was 12.52%.
Digitalization and Branch Network
The bank continues to focus on expanding its digital footprint. As of December 31, 2025, the bank’s distribution network included 10,261 domestic branches, 11,109 ATMs and 32,809 BCs.
Strategic Initiatives
PNB is committed to Environmental, Social, and Governance (ESG) principles, and it has framed an ESG policy to integrate sustainability into its core operations. It continues to focus on Digital Transformation through PNB One platform.
Source: BSE
