Punjab National Bank Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Interest Earned

32,156.72

32,231.00

31,871.53

31,963.94

31,989.46

31,339.83

29,875.01

Income On Investments

8,044.77

8,101.78

8,541.21

8,438.01

8,011.60

7,740.77

7,716.43

Interest On Balances With Rbi Other Inter Bank Funds

1,226.93

1,009.21

996.94

1,024.69

1,129.91

836.70

806.04

Interest / Discount On Advances / Bills

22,488.30

22,694.62

21,914.21

21,664.46

22,224.92

22,239.99

21,184.26

Others

396.72

425.39

419.17

836.78

623.03

522.37

168.28

Other Income

4,161.98

5,022.08

4,342.09

5,267.82

4,715.89

3,411.87

4,572.09

Total Income

36,318.70

37,253.08

36,213.62

37,231.76

36,705.35

34,751.70

34,447.10

Interest Expended

21,776.42

21,698.42

21,402.73

21,385.85

21,232.48

20,307.58

19,358.32

Net Interest Income

10,380.30

10,532.58

10,468.80

10,578.09

10,756.98

11,032.25

10,516.69

Total Expenditure (Excl Depreciation)

7,041.93

8,073.79

7,583.83

8,764.56

8,697.22

7,823.57

8,235.47

Employee Cost

3,747.16

5,088.51

4,746.99

5,164.37

5,792.73

5,263.78

5,750.40

Other Operating Expenses

3,294.77

2,985.28

2,836.84

3,600.19

2,904.49

2,559.79

2,485.07

Operating Profit Before Provisions and Contingencies

7,500.35

7,480.87

7,227.06

7,081.35

6,775.65

6,620.55

6,853.31

Exceptional Items

0.00

Provisions and contingencies

423.71

1,150.04

643.08

323.10

359.67

-285.40

288.01

Profit Before Tax

7,076.64

6,330.83

6,583.98

6,758.25

6,415.98

6,905.95

6,565.30

Tax

1,851.53

1,230.68

1,680.25

5,083.25

1,848.98

2,397.74

2,261.84

Profit After Tax

5,225.11

5,100.15

4,903.73

1,675.00

4,567.00

4,508.21

4,303.46

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

5,225.11

5,100.15

4,903.73

1,675.00

4,567.00

4,508.21

4,303.46

Face Value

2.0

Reserves

0.00

Earnings per share (EPS)

4.55

4.44

4.27

1.46

3.97

3.92

3.74

Diluted Earnings per share

4.55

4.44

4.27

1.46

3.97

3.92

3.9

Operating Profit Margin (Excl OI)

76.78%

71.38%

74.19%

71.57%

71.69%

75.95%

71.47%

Gross Profit Margin

22.01%

19.64%

20.66%

21.14%

20.06%

22.04%

21.98%

PAT Margin

16.25%

15.82%

15.39%

5.24%

14.28%

14.38%

14.4%

Net Interest Margin

2.47%

2.52%

2.6%

2.7%

2.81%

2.93%

2.92%

Return on Assets

0.0%

CASA (%)

37.0%

37.1%

37.29%

36.99%

37.95%

38.12%

39.31%

CASA Amount

6,09,615.00

5,92,176.00

5,83,179.00

5,68,637.00

5,73,543.00

5,62,156.00

5,56,739.00

Capital Adequacy Ratio (Total)

17.74%

16.77%

17.19%

17.5%

17.01%

15.41%

16.36%

Capital Adequacy Ratio (Tier 1)

15.15%

14.13%

14.41%

14.62%

14.05%

12.53%

13.63%

Provision Coverage Ratio (%)

97.14%

96.99%

96.91%

96.88%

96.82%

96.77%

96.67%

Amount of Gross NPAs

37,124.12

39,314.21

40,343.33

42,672.97

44,081.60

45,413.98

47,582.25

Amount of Net NPAs

3,609.56

3,833.70

4,025.75

4,132.24

4,290.55

4,437.43

4,674.24

% of Net NPAs

0.29%

0.32%

0.36%

0.38%

0.4%

0.41%

0.46%

% of Gross NPAs

2.95%

3.19%

3.45%

3.78%

3.95%

4.09%

4.48%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

11065.0

11109.0

11187.0

11240.0

11822.0

12034.0

12040.0

Number of Branches

10324.0

10261.0

10228.0

10209.0

10189.0

10168.0

10159.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Mar 2026 is -0.23% vs 1.13% in Dec 2025

Net Profit

QoQ Growth in quarter ended Mar 2026 is 2.45% vs 4.01% in Dec 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Mar 2026 is 0.26% vs 3.51% in Dec 2025

% of Net NPAs

QoQ Growth in quarter ended Mar 2026 is -0.03% vs -0.04% in Dec 2025

% of Gross NPAs

QoQ Growth in quarter ended Mar 2026 is -0.24% vs -0.26% in Dec 2025

Compare Quarterly Results Of Punjab Natl.Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

32,156.72

26,439.01

5,717.71

21.63%

Income On Investments

8,044.77

5,430.21

2,614.56

48.15%

Interest On Balances With Rbi Other Inter Bank Funds

1,226.93

435.39

791.54

181.8%

Interest / Discount On Advances / Bills

22,488.30

20,302.55

2,185.75

10.77%

Others

396.72

270.86

125.86

46.47%

Other Income

4,161.98

5,412.14

-1,250.16

-23.1%

Total Income

36,318.70

31,851.15

4,467.55

14.03%

Interest Expended

21,776.42

17,033.03

4,743.39

27.85%

Net Interest Income

10,380.30

9,405.98

974.32

10.36%

Total Expenditure (Excl Depreciation)

7,041.93

6,862.83

179.10

2.61%

Employee Cost

3,747.16

3,424.77

322.39

9.41%

Other Operating Expenses

3,294.77

3,438.06

-143.29

-4.17%

Operating Profit Before Provisions and Contingencies

7,500.35

7,955.29

-454.94

-5.72%

Exceptional Items

0.00

Provisions and contingencies

423.71

1,054.98

-631.27

-59.84%

Profit Before Tax

7,076.64

6,900.31

176.33

2.56%

Tax

1,851.53

1,584.55

266.98

16.85%

Profit After Tax

5,225.11

5,315.76

-90.65

-1.71%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

5,225.11

5,315.76

-90.65

-1.71%

Face Value

2.00

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

4.55

6.96

-2.41

-34.63%

Diluted Earnings per share

4.55

6.96

-2.41

-34.63%

Operating Profit Margin (Excl OI)

76.78%

70.05%

0.00

6.73%

Gross Profit Margin

22.01%

26.10%

0.00

-4.09%

PAT Margin

16.25%

20.11%

0.00

-3.86%

Net Interest Margin

2.47%

2.64%

-0.17

-0.17%

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%

Quarterly - Interest Earned

Interest Earned 32156.72 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is -0.23% vs 1.13% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 0.52% vs 13.79% in Mar 2025

Quarterly - Net Profit

Net Profit 5,225.11 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 2.45% vs 4.01% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 14.41% vs 51.71% in Mar 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 7,500.35 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 0.26% vs 3.51% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 10.70% vs 5.61% in Mar 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.29%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.03% vs -0.04% in Dec 2025

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

Quarterly - % of Gross NPAs

% of Gross NPAs 2.95%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.24% vs -0.26% in Dec 2025

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