PNB Punjab National Bank Q3 FY26 results (Oct–Dec 2025) and concall
Punjab National Bank delivered a strong Q3 FY26 performance, with net profit and operating profit growing over 13% YoY, driven by improved asset quality and efficiency. The bank successfully reduced both GNPA and NNPA, while strengthening its capital base. However, NIM faced pressure due to rate cuts and strategic decisions on deposit rates, and credit cost was elevated due to prudential floating provisions for future ECL implementation.
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What they filed
Q3 FY26: revenue up 3.1%, net profit up 15.9% against the same quarter last year.
| Line item | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 |
|---|---|---|---|---|---|
| Revenue | 31,895 | 32,523 | 32,572 | 32,513 | 32,889 +3% |
| Net profit | 4,811 | 5,011 | 2,167 | 5,121 | 5,577 +16% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.
