Archive · 20 Jan 2026
PNB Reports Strong Q3 with 13% Profit Rise
Punjab National Bank (PNB) had a great third quarter in the fiscal year 2025-26.
They made a lot more money, with a 13.1% increase in net profit compared to the same time last year.
Their net profit was ₹5,100 crore, up from ₹4,508 crore.
The bank also improved in other areas, like reducing bad loans and increasing their operating profit.
They are focusing on digital processes to make things more efficient, like using computers to approve smaller loans.
The bank's CEO, Ashok Chandra, talked about how they are managing their loans and deposits, and how they plan to handle any future changes in interest rates.
Overall, PNB is doing well and has plans to keep improving.
PNB's net profit increased by 13.1% to ₹5,100 crore in Q3 FY26 compared to ₹4,508 crore in Q3 FY25.
Return on Assets (RoA) improved to 1.06% in Q3 FY26 from 1.03% in Q3 FY25.
Operating profit rose by 13% to ₹7,481 crore in Q3 FY26 from ₹6,621 crore in Q3 FY25.
Gross Non-Performing Assets (GNPA) ratio decreased by 90 basis points to 3.19% as of December 2025 from 4.09% as of December 2024.
PNB plans to implement mandatory digital sanctioning for loans below ₹10 lakh nationwide from February 1, 2026, to reduce slippages.
- Who
- Punjab National Bank (PNB)
- What
- Reported a 13.1% increase in net profit for Q3 FY26 and discussed strategic initiatives
- When
- October-December 2025 (Q3 FY26)
- Where
- India
- Why
- To meet rising credit demand and reduce slippages
- Net Profit
- ₹5,100 crore (Q3 FY26) vs ₹4,508 crore (Q3 FY25)
- Return on Assets (RoA)
- 1.06% (Q3 FY26) vs 1.03% (Q3 FY25)
- Operating Profit
- ₹7,481 crore (Q3 FY26) vs ₹6,621 crore (Q3 FY25)
- Gross NPA Ratio
- 3.19% (Dec 2025) vs 4.09% (Dec 2024)
- Net NPA Ratio
- 0.32% (Dec 2025) vs 0.41% (Dec 2024)
- Provision Coverage Ratio
- 96.99% (Dec 2025) vs 96.77% (Dec 2024)
- Book Value per Share
- ₹114.09 (Q3 FY26) vs ₹102.02 (Q3 FY25)
- Earnings per Share
- ₹4.44 (Q3 FY26) vs ₹3.92 (Q3 FY25)
- Global Business
- ₹28,91,528 crore (Dec 2025) vs ₹26,39,991 crore (Dec 2024)
- Global Deposits
- ₹16.60 lakh crore (Dec 2025) vs ₹15.30 lakh crore (Dec 2024)
- Global Advances
- ₹12.31 lakh crore (Dec 2025) vs ₹11.10 lakh crore (Dec 2024)
- CRAR
- 16.77% (Dec 2025) vs 15.41% (Dec 2024)
- Total Income
- ₹37,253 crore (Q3 FY26) vs ₹34,752 crore (Q3 FY25)
- Net Interest Income (NII)
- ₹10,533 crore (Q3 FY26) vs ₹11,032 crore (Q3 FY25)
- Interest Income
- ₹32,231 crore (Q3 FY26) vs ₹31,340 crore (Q3 FY25)
- Provisions
- ₹1,151 crore (Q3 FY26) vs ₹643 crore (Q2 FY26)
- Domestic Deposits Growth
- 8.3% YoY
- Overseas Deposits Growth
- 14.5% YoY
- CASA Deposits Growth
- 5.3% YoY
- CASA Ratio
- 37.1% (as of December 31, 2025)
- Share Price Change (Intra-day Low)
- 5.33%
- Share Price Change (3 Months)
- 12.88%
- Share Price Change (6 Months)
- 12.92%
- Corporate Loan Book
- ₹3.12 lakh crore (sanctioned amount as of December 31, 2025)
- Fresh Slippage in Agriculture
- ₹800 crore (Q3 FY26)
- Fresh Slippage in MSME and Retail
- ₹400 crore each (Q3 FY26)
- Total Slippages (9-month period)
- ₹4,518 crore (down from ₹4,557 crore year-over-year)
- MSME Slippages (9-month period)
- ₹2,500 crore
- Digital Sanctioning for Loans Below ₹10 Lakh
- Mandatory from February 1, 2026
- Deposit Repricing
- 70% repriced, 21% in Q4 FY26, 9% in FY27
- Headcount
- 1.03 lakh employees (stable for 18 months)
Sources
PNB Q3 results: Net profit jumps 13% to ₹5,100 crore
Can Fin Homes Posts 25% Jump in Q3 Net Profit at Rs.265 Crore
PNB Q3FY26: Net profit rises 13% to Rs 5,100 crore, asset quality improves
IRFC posts record Q3 profit, achieves annual sanction target in nine months
Tata Capital Q3 Results: Net profit jumps 39% YoY to ₹1,285 crore, NII improves 26%
PNB profit rises 13% in Q3 on asset quality gains despite higher provisions
Financial results for the quarter ended on 31.12.2025
Mandatory digital sanction at pan India for below ₹10 lakh loan from Feb 1, says PNB MD Chandra
Trading at 1.1x book: Is PNB a ‘value buy’ after Q3 results?
Tata Capital Q3 Profit Jumps 39% YoY To ₹1,285 Crore On Strong AUM Growth
PNB share price targets: Should you buy, hold or sell this PSU banking stock?
PNB looks to cheaper deposits to defend margins after rate cuts bite
PNB shares drop 1.9% despite Q3 earnings beat; brokerages worried over margin pressure