PNB FY26: Net Profit Rises 1.6% to ₹16,904 Cr, Recommends ₹3 Dividend
PNB's FY26 Net Profit rose 1.6% to ₹16,904 Crore on Total Income of ₹1,47,017 Crore. Global Business grew to ₹29.70 Lakh Crore. The bank reported improved asset quality with Gross NPAs at ₹37,124 Crore. A dividend of ₹3 per share is recommended, subject to AGM approval.
The announcement covers the full annual financial results, including profit, income, asset quality, and dividend declaration, which are material information for investors and stakeholders.
The bank reported growth in key financial metrics like total income and operating profit, alongside a marginal increase in net profit. Improvements in asset quality, increased digital sanctions, and a recommended dividend further contribute to a positive sentiment.
Punjab National Bank (PNB) has reported its Annual Report for the financial year 2025-26, showcasing a year of strategic reshaping and robust performance.
The global economy in FY 2025–26 experienced moderate expansion with geopolitical complexities, while India emerged as a bright spot with a GDP growth of approximately 7.6%, driven by domestic consumption and infrastructure investment.
PNB's Global Business grew to ₹29.70 Lakh Crore, with Global Advances at ₹12.59 Lakh Crore and Global Deposits at ₹17.11 Lakh Crore. The bank strategically emphasized the Retail, Agriculture, and MSME (RAM) segment, which reached ₹6.76 Lakh Crore in advances, contributing 56.6% to Domestic Advances. Retail Advances grew by 18.2%, Agriculture Advances by 10.7%, and MSME Advances by 19.9%.
Digitally, PNB significantly upgraded its Mobile and Internet Banking platforms, offering over 350 features and achieving landmark ₹1 Lakh Crore in Digital Lending sanctions, with every third loan sanctioned digitally. The bank also launched its first specialized Startup Branch in New Delhi and transitioned its corporate website to the "bank.in" domain.
Financially, Total Income for FY 2025-26 stood at ₹1,47,017 Crore, a 6.5% year-on-year growth. Net Interest Income (NII) was ₹41,960 Crore, while Other Income grew by 15.2% to ₹18,794 Crore. Operating Profit increased by 9.2% to ₹29,290 Crore. Net Profit saw a marginal growth of 1.6%, reaching ₹16,904 Crore, despite an additional tax burden of ₹3324.24 Crore due to the shift to the New Tax Regime.
Asset quality improved significantly, with Gross NPAs declining to ₹37,124 Crore and Net NPAs to ₹3,610 Crore as of March 31, 2026. The Gross NPA Ratio improved to 2.95% and the Net NPA Ratio to 0.29%. The Provision Coverage Ratio (PCR) strengthened to 97.14%.
The bank maintained adequate capital with a CRAR of 17.74% as of March 31, 2026. The Board of Directors has recommended a dividend of ₹3.00 per equity share for FY 2025-26, subject to approval at the upcoming Annual General Meeting (AGM).
PNB also published its inaugural Sustainability Report 2025 and was recognized with several awards, including the Golden Peacock Award for Excellence in Training and accolades for AI/ML implementation and digital payments.
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Punjab National Bank filed this with the NSE as a statutory disclosure, categorised under annual results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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See the model portfoliosA plain-language summary of a public exchange filing by Punjab National Bank. Read the original for the full detail.