| Scrip code | 532461 |
|---|---|
| NSE Symbol | PNB |
| MSEI Symbol | NOTLISTED |
| ISIN | INE160A01022 |
| Name of bank | Punjab National Bank |
| Class of security | Equity |
| Date of start of financial year | 01-04-2025 |
| Date of end of financial year | 31-03-2026 |
| Date of board meeting when results were approved | 19-01-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 13-01-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Third quarter |
| Nature of report standalone or consolidated | Standalone |
| Whether results are audited or unaudited | Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Unaudited |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 19-01-2026 12:15:00 |
| End date and time of board meeting | 19-01-2026 13:35:00 |
| Whether cash flow statement is applicable on company | |
| Type of cash flow statement | |
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? | No |
| No. of times funds raised during the quarter | |
| Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? | Yes |
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-10-2025 | 01-04-2025 |
| B | Date of end of reporting period | 31-12-2025 | 31-12-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Standalone | Standalone |
| 1 | Interest earned | ||
| Interest or discount on advances or bills | 22,69,462.00 | 66,27,329.00 | |
| Income on investments | 8,10,178.00 | 25,08,100.00 | |
| Interest on balances with reserve bank of India and other inter bank funds | 1,00,921.00 | 3,03,084.00 | |
| Others | 42,539.00 | 1,68,134.00 | |
| Total interest earned | 32,23,100.00 | 96,06,647.00 | |
| 2 | Other income | 5,02,208.00 | 14,63,199.00 |
| 3 | Total income | 37,25,308.00 | 1,10,69,846.00 |
| Expenses | |||
| 4 | Interest expenses | 21,69,842.00 | 64,48,700.00 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 5,08,851.00 | 14,99,987.00 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Other operating expenses | 2,98,528.00 | 9,42,231.00 |
| Total other operating Expenses | 2,98,528.00 | 9,42,231.00 | |
| Total Operating Expenses | 8,07,379.00 | 24,42,218.00 | |
| 6 | Total expenditure excluding provisions and contingencies | 29,77,221.00 | 88,90,918.00 |
| 7 | Operating profit before provision and contingencies | 7,48,087.00 | 21,78,928.00 |
| 8 | Provisions other than tax and contingencies | 1,15,004.00 | 2,11,622.00 |
| 9 | Exceptional items | 0.00 | 0.00 |
| 10 | Total profit (loss) from ordinary activities before tax | 6,33,083.00 | 19,67,306.00 |
| 11 | Provision for Tax | 1,23,068.00 | 7,99,418.00 |
| 12 | Net profit (loss) from ordinary activities after tax | 5,10,015.00 | 11,67,888.00 |
| 13 | Extraordinary items net of tax expenses | 0.00 | 0.00 |
| 14 | Net profit (loss) for the period | 5,10,015.00 | 11,67,888.00 |
| 15 | Share of profit (loss) of associates | ||
| 16 | Profit (loss) of minority interest | ||
| 17 | Net Profit (loss) after taxes minority interest and share of profit (loss) of associates | 5,10,015.00 | 11,67,888.00 |
| 18 | Details of equity share capital [Abstract] | ||
| Paid-up equity share capital | 2,29,859.00 | 2,29,859.00 | |
| Face value of equity share capital | 2 | 2 | |
| 19 | Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) | ||
| 20 | Analytical ratios | ||
| (i) | Percentage of share held by government of India | 70.0800 | 70.0800 |
| (ii) | Capital adequacy ratio | ||
| CET 1 ratio | 12.5200 | 12.5200 | |
| Additional Tier 1 ratio | 1.6100 | 1.6100 | |
| (iii) (a) | Earnings per share before extraordinary items | ||
| Basic earnings per share before extraordinary items | 4.44 | 10.16 | |
| Diluted earnings per share before extraordinary items | 4.44 | 10.16 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 4.44 | 10.16 | |
| Diluted earnings per share after extraordinary items | 4.44 | 10.16 | |
| (iv) | NPA Ratios | ||
| Amount of gross non-performing assets | 39,31,421.00 | 39,31,421.00 | |
| Amount of net non-performing assets | 3,83,370.00 | 3,83,370.00 | |
| % of gross NPAs | 3.1900 | 3.1900 | |
| % of net NPAs | 0.3200 | 0.3200 | |
| Return on assets | 1.0600 | 0.8300 | |
| 21 | Disclosure of notes on financial results by banks | Textual Information(1) | |
| Textual Information(1) | As per intimation of outcome of board meeting dated 19.01.2026 filed today. |
|---|
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |||||
|---|---|---|---|---|---|---|---|
| Date of start of reporting period | 01-10-2025 | 01-04-2025 | |||||
| Date of end of reporting period | 31-12-2025 | 31-12-2025 | |||||
| Whether results are audited or unaudited | Unaudited | Unaudited | |||||
| Nature of report standalone or consolidated | Standalone | Standalone | |||||
| 1 | Segment Revenue (Income) | ||||||
| (net sale/income from each segment should be disclosed) | |||||||
| 1 | Treasury Operations | 10,50,059.00 | 33,11,078.00 | ||||
| 2 | Corporate/wholesale Banking | 14,56,362.00 | 40,92,263.00 | ||||
| 3 | Retail Banking | 11,18,172.00 | 33,29,305.00 | ||||
| 4 | Other Banking Operations | 1,00,715.00 | 3,37,200.00 | ||||
| Total Segment Revenue | 37,25,308.00 | 1,10,69,846.00 | |||||
| Less: Inter segment revenue | |||||||
| Income from operations | 37,25,308.00 | 1,10,69,846.00 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Treasury Operations | 3,06,018.00 | 9,58,581.00 | ||||
| 2 | Corporate/wholesale Banking | 3,01,097.00 | 8,24,444.00 | ||||
| 3 | Retail Banking | 2,11,707.00 | 6,78,278.00 | ||||
| 4 | Other Banking Operations | 28,674.00 | 84,037.00 | ||||
| Total Profit before tax | 8,47,496.00 | 25,45,340.00 | |||||
| i. Finance cost | 0.00 | 0.00 | |||||
| ii. Other Unallocable Expenditure net off Unallocable income | 2,14,413.00 | 5,78,034.00 | |||||
| Profit before tax | 6,33,083.00 | 19,67,306.00 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Treasury Operations | 4,99,95,477.00 | 4,99,95,477.00 | ||||
| 2 | Corporate/wholesale Banking | 8,44,80,357.00 | 8,44,80,357.00 | ||||
| 3 | Retail Banking | 4,86,12,530.00 | 4,86,12,530.00 | ||||
| 4 | Other Banking Operations | 65,92,003.00 | 65,92,003.00 | ||||
| Total Segment Assets | 18,96,80,367.00 | 18,96,80,367.00 | |||||
| Un-allocable Assets | 33,40,940.00 | 33,40,940.00 | |||||
| Net Segment Assets | 19,30,21,307.00 | 19,30,21,307.00 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Treasury Operations | 4,71,29,946.00 | 4,71,29,946.00 | ||||
| 2 | Corporate/wholesale Banking | 7,96,38,299.00 | 7,96,38,299.00 | ||||
| 3 | Retail Banking | 4,58,26,265.00 | 4,58,26,265.00 | ||||
| 4 | Other Banking Operations | 62,14,177.00 | 62,14,177.00 | ||||
| Total Segment Liabilities | 17,88,08,687.00 | 17,88,08,687.00 | |||||
| Un-allocable Liabilities | 845.00 | 845.00 | |||||
| Net Segment Liabilities | 17,88,09,532.00 | 17,88,09,532.00 | |||||
| Disclosure of notes on segments | 1. Segment Liabilities are distributed in the ratio of their respective Segment Assets. 2. Figures of the previous period have been re-grouped/re-classified wherever necessary. 3. As per RBI Circular RBI/2022-23/19 DOR.AUT.REC. 12/22.01.001/2022-23 dated April 07, 2022, for the purpose of disclosure under Accounting Standard 17, Segment Reporting, Digital Banking Segment has been identified as sub-segment under Retail Banking by Reserve Bank of India (RBI). As on December 31, 2025, 8 (eight) Digital Banking Units (DBUs) of the Bank are operating and the segment information disclosed as Digital Banking under Retail Banking Operations is related to the said DBUs. | ||||||
| Whether results are audited or unaudited | Unaudited |
|---|---|
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Auditor's opinion | |
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results | Yes |
| Sr No. | Audit firm's name | Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI | Certificate valid upto | ||
| 1 | Ummed Jain & Co | Yes | 31-07-2028 | ||
|---|---|---|---|---|---|
| 2 | N K Bhargava & Co | Yes | 28-02-2026 | ||
| 3 | P S D & Associates | Yes | 31-01-2026 | ||
| 4 | Prem Gupta & Co. | Yes | 31-12-2027 | ||
| 5 | P A & Associates | Yes | 31-12-2028 | ||
| Sr. No. | Particulars | Amount | Remarks |
| 1. | Loans / revolving facilities like cash credit from banks / financial institutions | ||
| A | Total amount outstanding as on date | 5,36,553.50 | |
|---|---|---|---|
| B | Of the total amount outstanding, amount of default as on date | 0.00 | |
| 2. | Unlisted debt securities i.e. NCDs and NCRPS | ||
| A | Total amount outstanding as on date | 0.00 | |
| B | Of the total amount outstanding, amount of default as on date | 0.00 | |
| 3. | Total financial indebtedness of the listed entity including short-term and long-term debt | 90,18,035.00 | |