)
Visual
test
Punjab National Bank
Punjab National Bank (PNB) investor relations material
Punjab National Bank Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary19 Jan, 2026
Executive summary
Net profit for Q3 FY26 reached ₹5,100 crore, up 13.1% YoY, with operating profit at ₹7,481 crore, up 13% YoY; return on assets at 1.06% and return on equity at 17.80%.
Achieved steady progress in business growth, asset quality, profitability, and regulatory compliance, focusing on retail expansion and digital initiatives.
Asset quality strengthened, with Gross NPA at 3.19% (down 90 bps YoY) and Net NPA at 0.32% (down 9 bps YoY).
Opened 82 new branches in FY26 and plan to open 100 more in the next six months; digital journeys for all credit products launched.
Financial highlights
Global gross business reached ₹28.92 trillion as of December 2025, up 9.5% YoY; global deposits at ₹16.60 trillion (up 8.5% YoY); global advances at ₹12.31 trillion (up 10.9% YoY).
Net interest income for Q3 was ₹10,533 crore; total income for Q3 was ₹37,253 crore, up 7.2% YoY.
Operating profit for Q3 was ₹7,481 crore, up 13% YoY; net profit for Q3 was ₹5,100 crore, up 13.13% YoY.
Cost-to-income ratio improved to 51.91% in Q3 FY26 from 54.16% in Q3 FY25.
Earnings per share (not annualized) for Q3 FY26 was ₹4.44; book value per share (tangible) rose to ₹101.89.
Outlook and guidance
NIM for Q4 expected to remain at Q3 levels; full-year domestic NIM guidance at 2.70%, global NIM at 2.60%, assuming no further rate cuts.
Credit growth guidance of 11-12% and deposit growth of 9-10% for FY26; both targets expected to be met.
Gross NPA expected to remain below 3%, net NPA below 0.35% for FY26.
Slippage ratio guidance below 1% for FY26; actual for nine months annualized at 0.56%.
CASA share was slightly below guidance at 37.1% versus >38% target.
ECL transition strategy and impact
NIM trajectory and deposit repricing impact
Loan growth strategy and low-yielding asset exit
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 6 FebHTOO
Resale registration for 71,429 shares via warrant, with proceeds only on exercise; financial risks persist. - 6 FebVSAT
Q3 revenue up 3% to $1.16B, net income $25M, strong cash flow, Ligado boost, satellite focus. - 6 FebWEC
Targets 7–8% EPS growth, $37.5B capex, and coal exit by 2032 amid surging data center demand. - 6 FebBR
Q2 FY26 recurring revenue grew 8% and adjusted EPS guidance was raised to 9-12%. - 6 FebFFWM
Merger vote includes new non-voting stock class with limited conversion and no voting rights. - 6 FebKKR
Charter amendments seek to modernize governance and establish one share, one vote by 2026. - 6 FebARI
Proposed $9B real estate loan portfolio acquisition highlights disciplined, long-term strategy. - 6 FebSMCI
Q2 revenue jumped 123% to $12.7B, with FY26 guidance raised to at least $40B. - 6 FebRJF
Record revenues and assets, higher dividend, and acquisitions despite lower net income. - 6 FebFFIE
Raising capital for global EV and AI expansion, with regulatory and dilution risks highlighted.
Next Punjab National Bank earnings date
Q4 25/268 May, 2026
Punjab National Bank
Next Punjab National Bank earnings date
Q4 25/268 May, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage