Punjab National Bank (PNB) — Financial Results | 18 October 2025(4 announcements)

Punjab National Bank announced its Q2 FY2025-26 financial results for the half-year ended September 30, 2025. The bank held an earnings call with analysts and investors on October 18, 2025. An audio/video recording of the earnings call is available on PNB's official website. The filing provides access to detailed financial performance discussions, though specific revenue and profit figures are not detailed in this regulatory notification document.

Punjab National Bank reported Q2 FY2026 net profit of ₹4,904 crores with 14.0% YoY growth, driven by 5.6% growth in net interest income to ₹10,757 crores. Asset quality improved significantly with gross NPA declining to 3.45% from 4.48% YoY. Global business expanded 10.6% to ₹27,86,673 crores, while retail advances grew 18.1%. Return on Assets improved to 1.05% and capital adequacy remained robust at 17.50% CRAR. Digital adoption accelerated with WhatsApp banking users reaching 83.4 lakhs.

Punjab National Bank reported standalone net profit of ₹4,903.73 crores for Q2 FY2025-26 and ₹11,630.20 crores for H1, with consolidated profit of ₹6,578.73 crores and ₹13,342.23 crores respectively. The bank maintains robust capital adequacy of 17.75% and gross NPA ratio of 3.45% with strong provisioning coverage of 96.91%. Total assets reached ₹18.58 trillion with advances at ₹11.34 trillion. A one-time tax charge of ₹3,324.24 crores from tax regime adoption impacts reported earnings.

Punjab National Bank reported net profit of ₹4,904 crore in Q2 FY'26, up 14.0% YoY, with operating profit growing 5.5% to ₹7,227 crore. Gross global business surpassed ₹27.86 lakh crore, growing 10.6% YoY. Asset quality strengthened significantly: GNPA ratio improved 103 bps to 3.45%, while capital adequacy (CRAR) rose 83 bps to 17.19%. Retail advances grew 8.8% YoY, agriculture advances 13.0%, and MSME advances 18.6%. Digital transactions surged 31% YoY to 313 crores, with WhatsApp Banking users nearly doubling at 92% growth.