Punjab National Bank Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Jun'26

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Interest Earned

32,897.26

32,156.72

32,231.00

31,871.53

31,963.94

31,989.46

31,339.83

Income On Investments

8,076.58

8,044.77

8,101.78

8,541.21

8,438.01

8,011.60

7,740.77

Interest On Balances With Rbi Other Inter Bank Funds

1,335.55

1,226.93

1,009.21

996.94

1,024.69

1,129.91

836.70

Interest / Discount On Advances / Bills

23,061.14

22,488.30

22,694.62

21,914.21

21,664.46

22,224.92

22,239.99

Others

423.99

396.72

425.39

419.17

836.78

623.03

522.37

Other Income

4,333.47

4,161.98

5,022.08

4,342.09

5,267.82

4,715.89

3,411.87

Total Income

37,230.73

36,318.70

37,253.08

36,213.62

37,231.76

36,705.35

34,751.70

Interest Expended

22,098.90

21,776.42

21,698.42

21,402.73

21,385.85

21,232.48

20,307.58

Net Interest Income

10,798.36

10,380.30

10,532.58

10,468.80

10,578.09

10,756.98

11,032.25

Total Expenditure (Excl Depreciation)

7,612.63

7,041.93

8,073.79

7,583.83

8,764.56

8,697.22

7,823.57

Employee Cost

4,535.38

3,747.16

5,088.51

4,746.99

5,164.37

5,792.73

5,263.78

Other Operating Expenses

3,077.25

3,294.77

2,985.28

2,836.84

3,600.19

2,904.49

2,559.79

Operating Profit Before Provisions and Contingencies

7,519.20

7,500.35

7,480.87

7,227.06

7,081.35

6,775.65

6,620.55

Exceptional Items

0.00

Provisions and contingencies

541.19

423.71

1,150.04

643.08

323.10

359.67

-285.40

Profit Before Tax

6,978.01

7,076.64

6,330.83

6,583.98

6,758.25

6,415.98

6,905.95

Tax

1,724.72

1,851.53

1,230.68

1,680.25

5,083.25

1,848.98

2,397.74

Profit After Tax

5,253.29

5,225.11

5,100.15

4,903.73

1,675.00

4,567.00

4,508.21

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

5,253.29

5,225.11

5,100.15

4,903.73

1,675.00

4,567.00

4,508.21

Face Value

2.0

Reserves

0.00

Earnings per share (EPS)

4.57

4.55

4.44

4.27

1.46

3.97

3.92

Diluted Earnings per share

4.57

4.55

4.44

4.27

1.46

3.97

3.92

Operating Profit Margin (Excl OI)

75.21%

76.78%

71.38%

74.19%

71.57%

71.69%

75.95%

Gross Profit Margin

21.21%

22.01%

19.64%

20.66%

21.14%

20.06%

22.04%

PAT Margin

15.97%

16.25%

15.82%

15.39%

5.24%

14.28%

14.38%

Net Interest Margin

2.5%

2.47%

2.52%

2.6%

2.7%

2.81%

2.93%

Return on Assets

0.0%

CASA (%)

36.7%

37.0%

37.1%

37.29%

36.99%

37.95%

38.12%

CASA Amount

6,13,116.00

6,09,615.00

5,92,176.00

5,83,179.00

5,68,637.00

5,73,543.00

5,62,156.00

Capital Adequacy Ratio (Total)

18.13%

17.74%

16.77%

17.19%

17.5%

17.01%

15.41%

Capital Adequacy Ratio (Tier 1)

16.03%

15.15%

14.13%

14.41%

14.62%

14.05%

12.53%

Provision Coverage Ratio (%)

97.23%

97.14%

96.99%

96.91%

96.88%

96.82%

96.77%

Amount of Gross NPAs

35,380.80

37,124.12

39,314.21

40,343.33

42,672.97

44,081.60

45,413.98

Amount of Net NPAs

3,433.20

3,609.56

3,833.70

4,025.75

4,132.24

4,290.55

4,437.43

% of Net NPAs

0.28%

0.29%

0.32%

0.36%

0.38%

0.4%

0.41%

% of Gross NPAs

2.78%

2.95%

3.19%

3.45%

3.78%

3.95%

4.09%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

10605.0

11065.0

11109.0

11187.0

11240.0

11822.0

12034.0

Number of Branches

10359.0

10324.0

10261.0

10228.0

10209.0

10189.0

10168.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Jun 2026 is 2.3% vs -0.23% in Mar 2026

Net Profit

QoQ Growth in quarter ended Jun 2026 is 0.54% vs 2.45% in Mar 2026

Operating Profit (PBDIT)

QoQ Growth in quarter ended Jun 2026 is 0.25% vs 0.26% in Mar 2026

% of Net NPAs

QoQ Growth in quarter ended Jun 2026 is -0.01% vs -0.03% in Mar 2026

% of Gross NPAs

QoQ Growth in quarter ended Jun 2026 is -0.17% vs -0.24% in Mar 2026

Compare Quarterly Results Of Punjab Natl.Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

32,897.26

32,641.84

255.42

0.78%

Income On Investments

8,076.58

6,109.13

1,967.45

32.21%

Interest On Balances With Rbi Other Inter Bank Funds

1,335.55

585.48

750.07

128.11%

Interest / Discount On Advances / Bills

23,061.14

24,745.38

-1,684.24

-6.81%

Others

423.99

1,201.85

-777.86

-64.72%

Other Income

4,333.47

3,966.96

366.51

9.24%

Total Income

37,230.73

36,608.80

621.93

1.7%

Interest Expended

22,098.90

20,148.17

1,950.73

9.68%

Net Interest Income

10,798.36

12,493.67

-1,695.31

-13.57%

Total Expenditure (Excl Depreciation)

7,612.63

7,391.19

221.44

3.0%

Employee Cost

4,535.38

3,261.90

1,273.48

39.04%

Other Operating Expenses

3,077.25

4,129.29

-1,052.04

-25.48%

Operating Profit Before Provisions and Contingencies

7,519.20

9,069.44

-1,550.24

-17.09%

Exceptional Items

0.00

Provisions and contingencies

541.19

3,150.47

-2,609.28

-82.82%

Profit Before Tax

6,978.01

5,918.97

1,059.04

17.89%

Tax

1,724.72

303.29

1,421.43

468.67%

Profit After Tax

5,253.29

5,615.68

-362.39

-6.45%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

5,253.29

5,615.68

-362.39

-6.45%

Face Value

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

4.57

10.85

-6.28

-57.88%

Diluted Earnings per share

4.57

10.86

-6.29

-57.92%

Operating Profit Margin (Excl OI)

75.21%

67.71%

0.00

7.50%

Gross Profit Margin

21.21%

18.13%

0.00

3.08%

PAT Margin

15.97%

17.20%

0.00

-1.23%

Net Interest Margin

2.50%

2.89%

-0.39

-0.39%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

36.70%

38.90%

-2.20

-2.20%

CASA Amount

6,13,116.00

5,45,034.00

68,082.00

12.49%

Capital Adequacy Ratio (Total)

18.13%

15.82%

2.31

2.31%

Capital Adequacy Ratio (Tier 1)

16.03%

13.64%

2.39

2.39%

Provision Coverage Ratio (%)

97.23%

93.94%

3.29

3.29%

Amount of Gross NPAs

35,380.80

27,058.59

8,322.21

30.76%

Amount of Net NPAs

3,433.20

6,315.56

-2,882.36

-45.64%

% of Net NPAs

0.28%

0.45%

-0.17

-0.17%

% of Gross NPAs

2.78%

1.89%

0.89

0.89%

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

10,605.00

9,538.00

1,067.00

11.19%

Number of Branches

10,359.00

0.00

10,359.00

Quarterly - Interest Earned

Interest Earned 32897.26 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 2.3% vs -0.23% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 2.92% vs 11.93% in Jun 2025

Quarterly - Net Profit

Net Profit 5,253.29 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 0.54% vs 2.45% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 213.63% vs -48.49% in Jun 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 7,519.20 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 0.25% vs 0.26% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 6.18% vs 7.60% in Jun 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.28%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.01% vs -0.03% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.10% vs -0.22% in Jun 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 2.78%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.17% vs -0.24% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -1.00% vs -1.20% in Jun 2025