PUNJAB NATIONAL BANK Q3 FY26 Results

Summary

Punjab National Bank has reported a significant increase in its net profit for the third quarter of the financial year 2025-26. The bank's net profit has increased by 13.1% to ₹5,100 Crore compared to ₹4,508 Crore in the same quarter of the previous year. The bank's return on assets (RoA) has also improved to 1.06% from 1.03% in the previous year. The bank's operating profit has increased by 13.0% to ₹7,481 Crore compared to ₹6,621 Crore in the same quarter of the previous year. The bank's gross non-performing assets (GNPA) ratio has improved by 90 basis points to 3.19% as on December’25 from 4.09% as on December’24. The net non-performing assets (NNPA) ratio has improved by 9 basis points to 0.32% as on December’25 from 0.41% as on December’24. The provision coverage ratio (including TWO) has improved by 22 basis points to 96.99% as on December’25 from 96.77% as on December’24.

Key Highlights

1. 1

   Net Profit increased Y-o-Y by 13.1% to ₹5,100 Crore in Q3 FY’26

2. 2

   Return on Assets (RoA) improved to 1.06% in Q3 FY’26

3. 3

   Operating Profit increased Y-o-Y by 13.0% to ₹7,481 Crore in Q3 FY’26

4. 4

   GNPA ratio improved by 90 bps on Y-o-Y basis to 3.19% as on December’25

5. 5

   NNPA ratio improved by 9 bps on Y-o-Y basis to 0.32% as on December’25

6. 6

   Provision Coverage Ratio (including TWO) improved by 22 bps on Y-o-Y basis to 96.99% as on December’25

7. 7

   Book value per share increased to ₹114.09 in Q3 FY’26 from ₹102.02 in Q3 FY’25

8. 8

   Earnings per share rose to ₹4.44 in Q3 FY’26 from ₹3.92 in Q3 FY’25

9. 9

   Global Business grew by 9.5% on Y-o-Y basis to ₹28,91,528 Crore as on December’25

10. 10

    Global Deposits registered a growth of 8.5% on Y-o-Y basis to ₹16.60 Lakh Crore as on December’25

11. 11

    Global Advances increased by 10.9% on Y-o-Y basis to ₹12.31 Lakh Crore as on December’25

12. 12

    CRAR improved to 16.77% as on December ’25, up from 15.41% in December ’24