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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
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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
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