| 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 | 01-04-2026 |
| Date of end of financial year | 31-03-2027 |
| Date of board meeting when results were approved | 18-07-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 14-07-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | First 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 | |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 18-07-2026 10:45:00 |
| End date and time of board meeting | 18-07-2026 12:20:00 |
| 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 | 01-04-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-06-2026 | 30-06-2026 |
| 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 | 23,06,114.00 | 23,06,114.00 | |
| Income on investments | 8,07,658.00 | 8,07,658.00 | |
| Interest on balances with reserve bank of India and other inter bank funds | 1,33,555.00 | 1,33,555.00 | |
| Others | 42,399.00 | 42,399.00 | |
| Total interest earned | 32,89,726.00 | 32,89,726.00 | |
| 2 | Other income | 4,33,347.00 | 4,33,347.00 |
| 3 | Total income | 37,23,073.00 | 37,23,073.00 |
| Expenses | |||
| 4 | Interest expenses | 22,09,890.00 | 22,09,890.00 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 4,53,538.00 | 4,53,538.00 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Other Operating Expenses | 3,07,725.00 | 3,07,725.00 |
| Total other operating Expenses | 3,07,725.00 | 3,07,725.00 | |
| Total Operating Expenses | 7,61,263.00 | 7,61,263.00 | |
| 6 | Total expenditure excluding provisions and contingencies | 29,71,153.00 | 29,71,153.00 |
| 7 | Operating profit before provision and contingencies | 7,51,920.00 | 7,51,920.00 |
| 8 | Provisions other than tax and contingencies | 54,119.00 | 54,119.00 |
| 9 | Exceptional items | 0.00 | 0.00 |
| 10 | Total profit (loss) from ordinary activities before tax | 6,97,801.00 | 6,97,801.00 |
| 11 | Provision for Tax | 1,72,472.00 | 1,72,472.00 |
| 12 | Net profit (loss) from ordinary activities after tax | 5,25,329.00 | 5,25,329.00 |
| 13 | Extraordinary items net of tax expenses | 0.00 | 0.00 |
| 14 | Net profit (loss) for the period | 5,25,329.00 | 5,25,329.00 |
| 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 | 5,25,329.00 | 5,25,329.00 |
| 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 | 14.5200 | 14.5200 | |
| Additional Tier 1 ratio | 1.5100 | 1.5100 | |
| (iii) (a) | Earnings per share before extraordinary items | ||
| Basic earnings per share before extraordinary items | 4.57 | 4.57 | |
| Diluted earnings per share before extraordinary items | 4.57 | 4.57 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 4.57 | 4.57 | |
| Diluted earnings per share after extraordinary items | 4.57 | 4.57 | |
| (iv) | NPA Ratios | ||
| Amount of gross non-performing assets | 35,38,080.00 | 35,38,080.00 | |
| Amount of net non-performing assets | 3,43,320.00 | 3,43,320.00 | |
| % of gross NPAs | 2.7800 | 2.7800 | |
| % of net NPAs | 0.2800 | 0.2800 | |
| Return on assets | 1.0400 | 1.0400 | |
| 21 | Disclosure of notes on financial results by banks | Textual Information(1) | |
| Textual Information(1) | AS per PDF filed on exchange with the outcome of Board meeting on 18.07.2026 |
|---|
| 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 | 01-04-2026 | 01-04-2026 | |||||
| Date of end of reporting period | 30-06-2026 | 30-06-2026 | |||||
| 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 | 10,49,859.00 | 10,49,859.00 | ||||
| 2 | Corporate / Wholesale Banking | 14,34,715.00 | 14,34,715.00 | ||||
| 3 | Retail Banking | 11,60,545.00 | 11,60,545.00 | ||||
| 4 | Other Banking Operations | 77,954.00 | 77,954.00 | ||||
| Total Segment Revenue | 37,23,073.00 | 37,23,073.00 | |||||
| Less: Inter segment revenue | 0.00 | 0.00 | |||||
| Income from operations | 37,23,073.00 | 37,23,073.00 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Treasury Operations | 2,18,252.00 | 2,18,252.00 | ||||
| 2 | Corporate / Wholesale Banking | 3,47,275.00 | 3,47,275.00 | ||||
| 3 | Retail Banking | 2,98,180.00 | 2,98,180.00 | ||||
| 4 | Other Banking Operations | 21,624.00 | 21,624.00 | ||||
| Total Profit before tax | 8,85,331.00 | 8,85,331.00 | |||||
| i. Finance cost | 0.00 | 0.00 | |||||
| ii. Other Unallocable Expenditure net off Unallocable income | 1,87,530.00 | 1,87,530.00 | |||||
| Profit before tax | 6,97,801.00 | 6,97,801.00 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Treasury Operations | 5,16,51,018.00 | 5,16,51,018.00 | ||||
| 2 | Corporate / Wholesale Banking | 8,62,87,678.00 | 8,62,87,678.00 | ||||
| 3 | Retail Banking | 5,14,69,003.00 | 5,14,69,003.00 | ||||
| 4 | Other Banking Operations | 63,61,949.00 | 63,61,949.00 | ||||
| Total Segment Assets | 19,57,69,648.00 | 19,57,69,648.00 | |||||
| Un-allocable Assets | 32,61,525.00 | 32,61,525.00 | |||||
| Net Segment Assets | 19,90,31,173.00 | 19,90,31,173.00 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Treasury Operations | 4,85,93,173.00 | 4,85,93,173.00 | ||||
| 2 | Corporate / Wholesale Banking | 8,11,79,272.00 | 8,11,79,272.00 | ||||
| 3 | Retail Banking | 4,84,21,934.00 | 4,84,21,934.00 | ||||
| 4 | Other Banking Operations | 59,85,309.00 | 59,85,309.00 | ||||
| Total Segment Liabilities | 18,41,79,688.00 | 18,41,79,688.00 | |||||
| Un-allocable Liabilities | 797.00 | 797.00 | |||||
| Net Segment Liabilities | 18,41,80,485.00 | 18,41,80,485.00 | |||||
| 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/DOR/2025-26/147 DOR.LIC.REC.No.66/22-01-001/2025-26 dated November 28, 2025, for the purpose of disclosure under Accounting Standard 17, Segment Reporting issued by ICAI, Digital Banking Segment has been identified as sub-segment under Retail Banking Segment by Reserve Bank of India (RBI). As on June 30, 2026, 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 | 28-02-2029 | ||
| 3 | Prem Gupta & Co. | Yes | 31-12-2027 | ||
| 4 | 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 | 25,48,755.89 | |
|---|---|---|---|
| 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 | 79,26,366.00 | |