Punjab National Bank (PNB) announced its Unaudited (Reviewed) Financial Results for the quarter and nine-months ended December 31, 2025. The bank reported a significant 13.1% year-on-year increase in Net Profit for Q3 FY26, reaching ₹5,100 Crore, up from ₹4,508 Crore in Q3 FY25. This growth was accompanied by an improvement in Return on Assets (RoA) to 1.06% from 1.03% in the previous year's comparable quarter.

Operating Profit also saw a healthy rise of 13.0% year-on-year to ₹7,481 Crore in Q3 FY26, compared to ₹6,621 Crore in Q3 FY25. The bank demonstrated strong asset quality improvements, with its Gross Non-Performing Assets (GNPA) ratio declining by 90 basis points year-on-year to 3.19% as of December 2025, and the Net Non-Performing Assets (NNPA) ratio improving by 9 basis points to 0.32% during the same period. The Provision Coverage Ratio (including TWO) also saw an improvement, reaching 96.99%.

Global Business grew by 9.5% year-on-year to ₹28,91,528 Crore as of December 2025. Global Deposits registered an 8.5% growth to ₹16.60 Lakh Crore, while Global Advances increased by 10.9% to ₹12.31 Lakh Crore. The bank's Capital Adequacy Ratio (CRAR) improved to 16.77% as of December 2025 from 15.41% in December 2024. PNB also highlighted its digital progress, with PNB One activated users increasing by 20% and WhatsApp Banking users growing by 81% year-on-year. The bank received multiple awards, including two at the 21st IBA Banking Technology Awards 2025.