PNB Q3 FY26 Net Profit Soars 13.1% to ₹5,100 Crore; RoA Improves to 1.06%
PNB reported a 13.1% YoY increase in Q3 FY26 Net Profit to ₹5,100 Crore. RoA improved to 1.06%, and Operating Profit rose 13.0% to ₹7,481 Crore. GNPA ratio decreased to 3.19% and NNPA to 0.32%. Global Business grew 9.5% to ₹28.91 Lakh Crore. PNB One users increased 20%, WhatsApp Banking users up 81%.
The announcement details robust financial performance, improved asset quality, and growth in key banking metrics, which are material to investors and stakeholders.
The bank reported significant year-on-year growth in net profit, operating profit, and global business, alongside improvements in asset quality (GNPA and NNPA ratios) and capital adequacy. Digital initiatives also showed strong user growth.
Punjab National Bank (PNB) announced its Unaudited (Reviewed) Financial Results for the quarter and nine-months ended December 31, 2025. The bank reported a significant 13.1% year-on-year increase in Net Profit for Q3 FY26, reaching ₹5,100 Crore, up from ₹4,508 Crore in Q3 FY25. This growth was accompanied by an improvement in Return on Assets (RoA) to 1.06% from 1.03% in the previous year's comparable quarter.
Operating Profit also saw a healthy rise of 13.0% year-on-year to ₹7,481 Crore in Q3 FY26, compared to ₹6,621 Crore in Q3 FY25. The bank demonstrated strong asset quality improvements, with its Gross Non-Performing Assets (GNPA) ratio declining by 90 basis points year-on-year to 3.19% as of December 2025, and the Net Non-Performing Assets (NNPA) ratio improving by 9 basis points to 0.32% during the same period. The Provision Coverage Ratio (including TWO) also saw an improvement, reaching 96.99%.
Global Business grew by 9.5% year-on-year to ₹28,91,528 Crore as of December 2025. Global Deposits registered an 8.5% growth to ₹16.60 Lakh Crore, while Global Advances increased by 10.9% to ₹12.31 Lakh Crore. The bank's Capital Adequacy Ratio (CRAR) improved to 16.77% as of December 2025 from 15.41% in December 2024. PNB also highlighted its digital progress, with PNB One activated users increasing by 20% and WhatsApp Banking users growing by 81% year-on-year. The bank received multiple awards, including two at the 21st IBA Banking Technology Awards 2025.
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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.