Punjab National Bank Annual Results: Standalone & Consolidated Reports

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'26

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Interest Earned

1,28,223.19

1,21,760.73

1,06,901.62

85,144.11

74,879.53

80,818.41

53,800.03

Income On Investments

33,125.77

30,700.55

27,644.80

25,142.86

23,487.17

24,634.46

15,332.60

Interest On Balances With Rbi Other Inter Bank Funds

4,257.77

3,465.86

2,778.89

1,890.39

2,285.53

1,898.62

2,510.22

Interest / Discount On Advances / Bills

88,761.59

86,100.95

75,939.31

57,319.23

48,498.31

53,351.20

35,814.96

Others

2,078.06

1,493.37

538.62

791.63

608.52

934.13

142.25

Other Income

18,793.97

16,309.37

13,383.54

12,142.53

12,319.96

11,922.31

9,274.13

Total Income

1,47,017.16

1,38,070.10

1,20,285.16

97,286.64

87,199.49

92,740.72

63,074.16

Interest Expended

86,263.42

78,978.56

66,818.55

50,652.48

46,185.08

50,272.79

36,362.24

Net Interest Income

41,959.77

42,782.17

40,083.07

34,491.63

28,694.45

30,545.62

17,437.79

Total Expenditure (Excl Depreciation)

31,464.11

32,260.87

28,535.80

24,105.41

20,252.59

20,308.75

11,973.37

Employee Cost

18,747.03

21,357.72

18,486.31

14,810.01

11,841.01

12,175.74

6,961.68

Other Operating Expenses

12,717.08

10,903.15

10,049.49

9,295.40

8,411.58

8,133.01

5,011.69

Operating Profit Before Provisions and Contingencies

29,289.63

26,830.67

24,930.81

22,528.75

20,761.82

22,159.18

14,738.55

Exceptional Items

0.00

Provisions and contingencies

2,539.93

1,674.60

11,736.60

18,240.49

16,445.42

18,679.78

13,999.56

Profit Before Tax

26,749.70

25,156.07

13,194.21

4,288.26

4,316.40

3,479.40

738.99

Tax

9,845.71

8,525.87

4,949.59

1,781.06

859.44

1,457.78

402.79

Profit After Tax

16,903.99

16,630.20

8,244.62

2,507.20

3,456.96

2,021.62

336.20

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

16,903.99

16,630.20

8,244.62

2,507.20

3,456.96

2,021.62

336.20

Face Value

2.0

Reserves

1,29,987.81

1,16,755.23

95,968.74

89,198.33

86,236.07

81,641.36

56,251.28

Earnings per share (EPS)

14.71

14.47

7.49

2.28

3.14

1.93

0.5

Diluted Earnings per share

14.71

14.77

7.49

2.28

3.16

2.08

0.62

Operating Profit Margin (Excl OI)

73.48%

72.13%

62.33%

50.27%

50.99%

51.76%

51.72%

Gross Profit Margin

20.86%

20.66%

12.34%

5.04%

5.76%

4.31%

1.37%

PAT Margin

13.18%

13.66%

7.71%

2.94%

4.62%

2.5%

0.62%

Net Interest Margin

2.57%

2.93%

3.09%

3.06%

2.71%

2.88%

2.56%

Return on Assets

0.0%

CASA (%)

37.0%

37.95%

41.44%

43.0%

47.43%

45.48%

42.01%

CASA Amount

6,09,615.00

5,73,543.00

5,52,499.00

5,38,015.00

5,33,654.00

4,92,782.00

4,42,972.00

Capital Adequacy Ratio (Total)

17.74%

17.01%

15.97%

15.5%

14.5%

14.32%

14.14%

Capital Adequacy Ratio (Tier 1)

15.15%

14.05%

13.17%

12.69%

11.73%

11.49%

11.9%

Provision Coverage Ratio (%)

97.14%

96.82%

95.39%

86.9%

81.6%

80.14%

77.79%

Amount of Gross NPAs

37,124.12

44,081.60

56,343.05

77,327.67

92,448.04

1,04,423.42

73,478.76

Amount of Net NPAs

3,609.56

4,290.55

6,798.77

22,585.04

34,908.73

38,575.70

27,218.89

% of Net NPAs

0.29%

0.4%

0.73%

2.72%

4.8%

5.73%

5.78%

% of Gross NPAs

2.95%

3.95%

5.73%

8.74%

11.78%

14.12%

14.21%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

11065.0

11822.0

12131.0

12898.0

13350.0

13781.0

9168.0

Number of Branches

10324.0

10189.0

10136.0

10076.0

10098.0

10771.0

6563.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2026 is 5.31% vs 13.9% in Mar 2025

Net Profit

YoY Growth in year ended Mar 2026 is 1.65% vs 101.71% in Mar 2025

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2026 is 9.16% vs 7.62% in Mar 2025

% of Net NPAs

YoY Growth in year ended Mar 2026 is -0.11% vs -0.33% in Mar 2025

% of Gross NPAs

YoY Growth in year ended Mar 2026 is -1.00% vs -1.78% in Mar 2025

Compare Annual Results Of Punjab Natl.Bank With

Select Peers

Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

1,28,223.19

1,05,992.23

22,230.96

20.97%

Income On Investments

33,125.77

22,309.48

10,816.29

48.48%

Interest On Balances With Rbi Other Inter Bank Funds

4,257.77

3,132.34

1,125.43

35.93%

Interest / Discount On Advances / Bills

88,761.59

79,907.43

8,854.16

11.08%

Others

2,078.06

642.98

1,435.08

223.19%

Other Income

18,793.97

19,434.79

-640.82

-3.3%

Total Income

1,47,017.16

1,25,427.02

21,590.14

17.21%

Interest Expended

86,263.42

69,333.40

16,930.02

24.42%

Net Interest Income

41,959.77

36,658.83

5,300.94

14.46%

Total Expenditure (Excl Depreciation)

31,464.11

27,474.12

3,989.99

14.52%

Employee Cost

18,747.03

15,290.42

3,456.61

22.61%

Other Operating Expenses

12,717.08

12,183.70

533.38

4.38%

Operating Profit Before Provisions and Contingencies

29,289.63

28,619.50

670.13

2.34%

Exceptional Items

0.00

Provisions and contingencies

2,539.93

4,438.45

-1,898.52

-42.77%

Profit Before Tax

26,749.70

24,181.05

2,568.65

10.62%

Tax

9,845.71

5,483.91

4,361.80

79.54%

Profit After Tax

16,903.99

18,697.14

-1,793.15

-9.59%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

16,903.99

18,697.14

-1,793.15

-9.59%

Face Value

2.00

10.00

0.00

Reserves

1,29,987.81

0.00

1,29,987.81

Earnings per share (EPS)

14.71

24.49

-9.78

-39.93%

Diluted Earnings per share

14.71

24.49

-9.78

-39.93%

Operating Profit Margin (Excl OI)

73.48%

69.89%

0.00

3.59%

Gross Profit Margin

20.86%

22.81%

0.00

-1.95%

PAT Margin

13.18%

17.64%

0.00

-4.46%

Net Interest Margin

2.57%

2.70%

-0.13

-0.13%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

37.00%

35.21%

1.79

1.79%

CASA Amount

6,09,615.00

4,60,077.00

1,49,538.00

32.5%

Capital Adequacy Ratio (Total)

17.74%

18.10%

-0.36

-0.36%

Capital Adequacy Ratio (Tier 1)

15.15%

16.63%

-1.48

-1.48%

Provision Coverage Ratio (%)

97.14%

95.03%

2.11

2.11%

Amount of Gross NPAs

37,124.12

30,400.77

6,723.35

22.12%

Amount of Net NPAs

3,609.56

5,067.28

-1,457.72

-28.77%

% of Net NPAs

0.29%

0.48%

-0.19

-0.19%

% of Gross NPAs

2.95%

2.82%

0.13

0.13%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

11,065.00

8,656.00

2,409.00

27.83%

Number of Branches

10,324.00

8,697.00

1,627.00

18.71%

Annual - Interest Earned

Interest Earned 128223.19 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 5.31% vs 13.9% in Mar 2025

Annual - Net Profit

Net Profit 16,903.99 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 1.65% vs 101.71% in Mar 2025

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 29,289.63 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 9.16% vs 7.62% in Mar 2025

Annual - % of Net NPAs

% of Net NPAs 0.29%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.11% vs -0.33% in Mar 2025

Annual - % of Gross NPAs

% of Gross NPAs 2.95%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -1.00% vs -1.78% in Mar 2025