PUNJAB NATIONAL BANK Q2 FY26 Results

Summary

Punjab National Bank has reported its financial results for the quarter and half-year ended 30.09.2025. The bank's net profit has increased by 14.0% to ₹ 4,904 Crore in Q2 FY’26. The operating profit for Q2 FY’26 has increased to ₹ 7,227 Crore and to ₹ 14,308 Crore for HY1FY’26. The bank's return on assets (RoA) has improved to 1.05% in Q2 FY’26 from 1.02% in Q2 FY’25. The net interest income (NII) has increased to ₹ 21,047 Crore in HY1FY’26 from ₹ 20,993 Crore in HY1FY’25. The global net interest margin (NIM) stands at 2.65% in HY1FY’26 and 2.60% in Q2 FY’26. The GNPA ratio has improved by 103 bps on Y-o-Y basis to 3.45% as on September’25 from 4.48% as on September’24. The NNPA ratio has improved by 10 bps on Y-o-Y basis to 0.36% as on September’25 from 0.46% as on September’24. The provision coverage ratio (including TWO) has improved by 24 bps on Y-o-Y basis to 96.91% as on September’25 from 96.67% as on September’24.

Key Highlights

1. 1

   Bank’s Gross Global Business surpassed ₹ 27.86 Lakh Crore

2. 2

   Operating Profit for Q2 FY’26 increased to ₹ 7,227 Crore

3. 3

   Return on Assets (RoA) improved to 1.05% in Q2 FY’26

4. 4

   Net Interest Income (NII) increased to ₹ 21,047 Crore in HY1FY’26

5. 5

   Global Net Interest Margin (NIM) stands at 2.65% in HY1FY’26

6. 6

   GNPA ratio improved by 103 bps on Y-o-Y basis to 3.45% as on September’25

7. 7

   Global Business grew by 10.6% on Y-o-Y basis to ₹ 27,86,673 Crore as on September’25

8. 8

   Global Deposits registered a growth of 10.9% on Y-o-Y basis to ₹ 16,17,080 Crore as on September’25

9. 9

   Global Advances increased by 10.1% on Y-o-Y basis to ₹ 11,69,592 Crore as on September’25

10. 10

    CRAR increased to 17.19% as on September’25 from 16.36% as on September’24