Punjab National Bank (PNB) has announced its integrated financial results for the quarter and half-year ended September 30, 2025. The announcement includes key financial data, analytical ratios, and a summary of assets and liabilities. The financial results have undergone a limited review by statutory auditors. Additionally, PNB has seen reduced shareholding in Canara HSBC Life Insurance following its listing on the stock exchanges.
Financial Performance Highlights
PNB reported its integrated financial results, which were reviewed for the quarter ended September 30, 2025. Key figures from the report include:
- Total Income: Increased to ₹36,213.62 lakhs.
- Operating Expenses: Recorded at ₹7,583.83 lakhs.
- Net Profit: Stood at ₹4,903.73 lakhs.
Analytical Ratios
Several analytical ratios provide insight into PNB’s financial health:
- Capital Adequacy Ratio (Basel-III): Reported at 17.19%.
- Earnings per Share (EPS): Recorded at ₹4.27.
- Gross NPA: stood at 3.45%.
Summary of Assets and Liabilities
A summarized statement showed:
- Total Deposits: ₹161,708,027 lakhs.
- Total Advances: ₹113,378,033 lakhs.
Other Key Points
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Canara HSBC Life Insurance: Post listing on October 17, 2025, PNB’s shareholding in Canara HSBC Life Insurance reduced, as the shareholding reduced to 13%
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Provisioning: The bank holds a total provision of ₹6789.55 Crore for accounts under the provisions of the Insolvency & Bankruptcy Code (IBC).
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COVID-19 Resolution: The bank has loans where resolution plans had been implemented but some loans have slipped into NPA.
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Digital Banking: As of September 30, 2025, 8 Digital Banking Units (DBUs) are in operation.
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Floating Provision: As of September 30, 2025, the bank holds a floating provision of ₹820 Crore.
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Unhedged Foreign Currency Exposure (UFCE): The bank has estimated the liability for Unhedged Foreign Currency Exposure
Source: BSE