PNB Files Revised Q3 FY26 Investor Presentation

Mumbai: Punjab National Bank (PNB) has filed a revised version of its analyst presentation for the third quarter of fiscal year 2026 with the Bombay Stock Exchange (BSE) and National Stock Exchange of India Limited (NSE).

The updated presentation, submitted under Regulation 30 of SEBI's Listing Obligations and Disclosure Requirements (LODR) Regulations, 2015, offers a comprehensive overview of the bank's performance for the quarter and nine months ended December 31, 2025.

Key Highlights from the Revised Presentation:

Financial Performance (Q3 FY26):

Net Profit: ₹5,100 crore (up 13.1% Year-on-Year)
Operating Profit: ₹7,481 crore (up 13.0% YoY)
Return on Assets (RoA): 1.06% (improved by 3 basis points YoY)
Earnings Per Share (EPS): ₹4.44
Book Value Per Share (Tangible): ₹101.89 (up 23.1% YoY)

Business Growth:

Global Business: ₹28,91,528 crore (up 9.5% YoY)
Global Deposits: ₹16,60,290 crore (up 8.5% YoY)
Global Advances: ₹12,31,238 crore (up 10.9% YoY)
RAM Advances (Retail, Agri, MSME): ₹6,61,826 crore (up 11.0% YoY)

Asset Quality Improvement:

Gross NPA Ratio: 3.19% (improved by 90 bps YoY)
Net NPA Ratio: 0.32% (improved by 9 bps YoY)
Provision Coverage Ratio (including TWO): 96.99%
Slippage Ratio: 0.67% (annualized)

Digital Banking Milestones:

PNB One Users: 2.50 crore activated users (up from 2.08 crore)
WhatsApp Banking Users: 95.4 lakh (up from 52.7 lakh)
Digital Transactions: 344 crore in Q3 FY26 (vs 275 crore in Q3 FY25)
Digital Lending: Sanctioned ₹12,672.37 crore through paperless journeys

Capital Adequacy:

CRAR: 16.77% (CET-1: 12.52%)
Government Shareholding: 70.08%

ESG Initiatives:

Launched PALAASH 3.0 green initiative
Published inaugural Sustainability Report 2025
Net zero target set for 2060
Appointed Harmanpreet Kaur as first female brand ambassador

Awards & Recognition:

Received 2 awards at IBA Banking Technology Awards 2025
"Jury's Choice Award" for Data Centre Transformation
Top performer in Agriculture Infrastructure Fund scheme

Future Guidance:
The bank maintains its FY26 guidance with credit growth target of 11-12%, deposit growth of 9-10%, and aims to keep Gross NPA below 3%.

Availability:

The complete revised analyst presentation is available on the bank's official website at https://pnb.bank.in/financials-current.html and has been duly submitted to the stock exchanges for investor reference.

About Punjab National Bank:
Established in 1894, PNB is one of India's oldest and largest public sector banks with over 10,000 domestic branches and presence in multiple countries.