INTEGRATED FILING — BANKING



General information about company

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 Consolidated
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


Financial Results - Banking

Amount in (Lakhs)

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 Consolidated Consolidated
1 Interest earned
Interest or discount on advances or bills 22,90,289.00 66,85,062.00
Income on investments 8,53,801.00 26,37,103.00
Interest on balances with reserve bank of India and other inter bank funds 1,02,191.00 3,07,015.00
Others 42,642.00 1,68,252.00
Total interest earned 32,88,923.00 97,97,432.00
2 Other income 5,01,343.00 14,61,096.00
3 Total income 37,90,266.00 1,12,58,528.00
Expenses
4 Interest expenses 22,16,443.00 65,85,062.00
5 Operating expenses
(i) Employees cost 5,14,735.00 15,18,155.00
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating Expenses 3,02,056.00 9,50,938.00
Total other operating Expenses 3,02,056.00 9,50,938.00
Total Operating Expenses 8,16,791.00 24,69,093.00
6 Total expenditure excluding provisions and contingencies 30,33,234.00 90,54,155.00
7 Operating profit before provision and contingencies 7,57,032.00 22,04,373.00
8 Provisions other than tax and contingencies 1,13,044.00 2,10,335.00
9 Exceptional items 0.00 0.00
10 Total profit (loss) from ordinary activities before tax 6,43,988.00 19,94,038.00
11 Provision for Tax 1,25,009.00 8,06,973.00
12 Net profit (loss) from ordinary activities after tax 5,18,979.00 11,87,065.00
13 Extraordinary items net of tax expenses 0.00 0.00
14 Net profit (loss) for the period 5,18,979.00 11,87,065.00
15 Share of profit (loss) of associates 38,675.00 99,358.00
16 Profit (loss) of minority interest 2,065.00 6,318.00
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 5,55,589.00 12,80,105.00
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 12.5400 12.5400
Additional Tier 1 ratio 1.6100 1.6100
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 4.83 11.14
Diluted earnings per share before extraordinary items 4.83 11.14
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 4.83 11.14
Diluted earnings per share after extraordinary items 4.83 11.14
(iv) NPA Ratios
Amount of gross non-performing assets 0.00 0.00
Amount of net non-performing assets 0.00 0.00
% of gross NPAs 0 0
% of net NPAs 0 0
Return on assets 0 0
21 Disclosure of notes on financial results by banks Textual Information(1)


Text Block

Textual Information(1) As per intimation of outcome of board meeting filed on 19.01.2026


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results

Amount in (Lakhs)

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 Consolidated Consolidated
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury Operations 10,91,671.00 34,37,497.00
2 Corporate/Wholesale Banking 14,56,374.00 41,29,660.00
3 Retail Banking 11,41,027.00 33,54,630.00
4 Other Banking Operations 1,01,194.00 3,36,741.00
Total Segment Revenue 37,90,266.00 1,12,58,528.00
Less: Inter segment revenue 0.00 0.00
Income from operations 37,90,266.00 1,12,58,528.00
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 3,30,679.00 9,84,188.00
2 Corporate/Wholesale Banking 2,90,239.00 8,42,683.00
3 Retail Banking 2,19,886.00 6,73,688.00
4 Other Banking Operations 27,997.00 81,913.00
Total Profit before tax 8,68,801.00 25,82,472.00
i. Finance cost
ii. Other Unallocable Expenditure net off Unallocable income 2,24,813.00 5,88,434.00
Profit before tax 6,43,988.00 19,94,038.00
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 5,32,40,495.00 5,32,40,495.00
2 Corporate/Wholesale Banking 8,52,27,349.00 8,52,27,349.00
3 Retail Banking 4,90,49,158.00 4,90,49,158.00
4 Other Banking Operations 67,64,317.00 67,64,317.00
Total Segment Assets 19,42,81,319.00 19,42,81,319.00
Un-allocable Assets 33,41,465.00 33,41,465.00
Net Segment Assets 19,76,22,784.00 19,76,22,784.00
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 4,95,50,647.00 4,95,50,647.00
2 Corporate/Wholesale Banking 8,02,95,867.00 8,02,95,867.00
3 Retail Banking 4,65,78,194.00 4,65,78,194.00
4 Other Banking Operations 62,28,775.00 62,28,775.00
Total Segment Liabilities 18,26,53,483.00 18,26,53,483.00
Un-allocable Liabilities 76,762.00 76,762.00
Net Segment Liabilities 18,27,30,245.00 18,27,30,245.00
Disclosure of notes on segments Notes 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.






Details of Impact of Audit Qualification

Amount in (Lakhs)

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 N K Bhargava & Co Yes 28-02-2026
2 P A & Associates Yes 31-12-2028
3 Prem Gupta & Co Yes 31-12-2027
4 P S D & Associates Yes 31-01-2026
5 Ummed Jain & Co Yes 31-07-2028