Punjab National Bank — PPTs, 19-01-2026: Investor Presentation

Punjab National Bank (PNB) delivered strong Q3 FY26 results. Net Profit rose 13.1% YoY to ₹5,100 Cr, and Operating Profit grew 13.0% YoY to ₹7,481 Cr. Return on Assets improved to 1.06%. Global Business expanded 9.5% YoY to ₹28.92 Lakh Cr, with Global Advances up 10.9% YoY (₹12.31 Lakh Cr) and Deposits up 8.5% YoY (₹16.60 Lakh Cr). RAM advances (Retail, Agri, MSME) grew 11% YoY to ₹6.62 Lakh Cr, with overseas advances surging 28.7%.

Asset quality saw significant improvement: Gross NPA dropped to 3.19% (down 90 bps YoY) and Net NPA to 0.32% (down 9 bps YoY), backed by a strong 96.99% Provision Coverage Ratio.

PNB is aggressively driving digital transformation. PNB One users reached 250 Lakhs, and digital transactions account for 94.86%. The bank sanctioned ₹12,672.37 Cr in digital loans and launched new digital products, including a Braille Credit Card and successful CBDC disbursements. PNB also focuses on sustainable financing, sanctioning ₹14,479 Cr for renewable energy.

Management projects continued credit growth (11-12%) and deposit growth (9-10%) for FY26, targeting Gross NPA below 3% and RoA above 1%.