PNB Q3 results: Net profit jumps 13% to ₹5,100 crore

Punjab National Bank posted a more than 13% rise in net profit for the October-December quarter of FY 2025-26 while reporting a reduction in its bad debt ratio.

Highlights

–         Net profit rose 13.1% to ₹5,100 crore in Q3 FY26 from ₹4,508 crore in Q3 FY25

–         Return on Assets (RoA) climbed to 1.06% (Q3 FY26) from 1.03% (Q3 FY25)

–         Operating profit grew 13% to ₹7,481 crore (Q3 FY26) versus ₹6,621 crore (Q3 FY25)

–         GNPA ratio strengthened to 3.19% (Dec’25) from 4.09% (Dec’24), marking 90 bps improvement

–         NNPA ratio improved 9 bps to 0.32% (Dec’25) compared to 0.41% (Dec’24)

–         Provision Coverage Ratio (including TWO) increased 22 bps to 96.99% (Dec’25)

–         Book value per share grew 11.83% to ₹114.09 (Q3 FY26) from ₹102.02 (Q3 FY25)

–         EPS increased 13.27% to ₹4.44 (Q3 FY26) from ₹3.92 (Q3 FY25)

–         Global business expanded 9.5% to ₹28,91,528 crore (Dec’25)

–         Global deposits rose 8.5% to ₹16.60 lakh crore (Dec’25)

–         Global advances jumped 10.9% to ₹12.31 lakh crore (Dec’25)

–         CRAR strengthened 136 bps to 16.77% (Dec’25)

Published on January 19, 2026