PNB Q3 FY26 Net Profit Rises 13.1% YoY to ₹5,100 Crore
Punjab National Bank reported a Q3 FY26 Net Profit of ₹5,100 Crore, up 13.1% YoY. Operating Profit rose 13.0% to ₹7,481 Crore. GNPA improved to 3.19% and NNPA to 0.32%. Global Business grew 9.5% to ₹28.91 Lakh Crore. ROA was 1.06%.
The announcement contains key financial results for the quarter, including profit growth and asset quality improvements, which are material information for investors and stakeholders, thus having a high impact.
The bank reported strong year-on-year growth in Net Profit and Operating Profit, along with significant improvements in asset quality metrics like GNPA and NNPA ratios. Positive growth in global business and advances further contributes to the positive sentiment.
Punjab National Bank (PNB) announced its unaudited (reviewed) financial results for the quarter and nine months ended December 31, 2025. The bank reported a Net Profit of ₹5,100 Crore for Q3 FY26, marking a significant year-on-year increase of 13.1%. Operating Profit also saw a substantial rise of 13.0% YoY to ₹7,481 Crore.
Key performance highlights include a Return on Assets (ROA) of 1.06%, up 3 bps YoY. The bank's Gross Non-Performing Asset (GNPA) ratio improved to 3.19%, a decrease of 90 bps YoY, with the Net Non-Performing Asset (NNPA) ratio at 0.32%, down 9 bps YoY. Provision Coverage Ratio (PCR), including TWO, stood strong at 96.99%, an increase of 22 bps YoY.
Global Business grew by 9.5% YoY to ₹28,91,528 Crore. Global Deposits increased by 8.5% YoY to ₹16,60,290 Crore, while Global Advances grew by 10.9% YoY to ₹12,31,238 Crore. RAM (Retail, Agriculture, MSME) advances saw a 11.0% YoY growth to ₹6,61,826 Crore.
The presentation also detailed improvements in asset quality, with a slippage ratio of 0.67% (down 2 bps YoY). The bank maintained a strong Capital to Risk-Weighted Assets Ratio (CRAR) of 16.77% as of December 31, 2025. PNB also highlighted its digital initiatives, including the revamped PNB One app and WhatsApp Banking services, and progress in digital lending products.
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Punjab National Bank filed this with the NSE as a statutory disclosure, categorised under quarterly 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.