Punjab National Bank (PNB) announced its unaudited (reviewed) financial results for the quarter and nine months ended December 31, 2025. The bank reported a Net Profit of ₹5,100 Crore for Q3 FY26, marking a significant year-on-year increase of 13.1%. Operating Profit also saw a substantial rise of 13.0% YoY to ₹7,481 Crore.

Key performance highlights include a Return on Assets (ROA) of 1.06%, up 3 bps YoY. The bank's Gross Non-Performing Asset (GNPA) ratio improved to 3.19%, a decrease of 90 bps YoY, with the Net Non-Performing Asset (NNPA) ratio at 0.32%, down 9 bps YoY. Provision Coverage Ratio (PCR), including TWO, stood strong at 96.99%, an increase of 22 bps YoY.

Global Business grew by 9.5% YoY to ₹28,91,528 Crore. Global Deposits increased by 8.5% YoY to ₹16,60,290 Crore, while Global Advances grew by 10.9% YoY to ₹12,31,238 Crore. RAM (Retail, Agriculture, MSME) advances saw a 11.0% YoY growth to ₹6,61,826 Crore.

The presentation also detailed improvements in asset quality, with a slippage ratio of 0.67% (down 2 bps YoY). The bank maintained a strong Capital to Risk-Weighted Assets Ratio (CRAR) of 16.77% as of December 31, 2025. PNB also highlighted its digital initiatives, including the revamped PNB One app and WhatsApp Banking services, and progress in digital lending products.