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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% year-over-year, with operating profit at ₹7,481 crore, up 13% YoY.
Achieved steady progress in business growth, asset quality, profitability, and regulatory compliance, with a focus on expanding retail business 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).
Revamped mobile banking app, enhanced digital capabilities, and digital transactions surged 25% YoY, with 94.86% of all transactions now digital.
Appointed Indian women's cricket captain as first female brand ambassador and launched a high-end metal credit card targeting HNIs.
Financial highlights
Global gross business at ₹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 at ₹10,533 crore; total income for Q3 FY26 was ₹37,253 crore, up 7.2% YoY.
Operating profit for Q3 at ₹7,481 crore, up 13% YoY; net profit at ₹5,100 crore, up 13.13% YoY.
Cost-to-income ratio improved to 51.91% in Q3 FY26 from 54.16% in Q3 FY25.
Treasury gains included ₹912 crore from Canara HSBC Life stake sale; total treasury income at ₹1,300 crore for the quarter.
Outlook and guidance
Credit growth guidance for FY26 was 11–12%; actual YoY growth as of Dec'25 was 10.9%.
Deposit growth guidance at 9–10%; actual YoY growth was 8.5%.
NIM expected to remain stable in Q4 at Q3 levels; full-year domestic NIM guidance at 2.70%, global NIM at 2.60%.
Gross NPA expected to remain below 3%, net NPA below 0.35% for FY26.
Recovery from written-off accounts targeted at ₹4,000 crore for Q4 and ₹13,000–15,000 crore for the next two years.
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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