Press Release - Financial Results for the quarter / year ended 31st March 2026
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Punjab National Bank reported a net profit of Rs 16,904 crore for FY26, up 1.6% YoY, with Q4 FY26 profit at Rs 5,225 crore (14.4% growth). Operating profit grew 9.2% to Rs 29,290 crore. The bank showed strong asset quality improvement with GNPA ratio declining 100 basis points to 2.95% and NNPA to 0.29%. Global business crossed Rs 29.70 lakh crore with advances growing 12.7% and deposits 9.2% YoY. Capital adequacy improved to 17.74% CRAR. Non-interest income grew 15.2% to Rs 18,794 crore while operating expenses declined 2.5%.
The results indicate strong operational performance with improving asset quality and capital position. The declining NPA ratios and rising provision coverage ratio of 97.14% signal better loan book health, which is positive for shareholders. However, the modest 1.6% net profit growth for full year may temper enthusiasm.