Punjab National Bank has informed the Exchange about Annual Report for FY 2025-26
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Punjab National Bank has released its Annual Report for FY 2025-26. The bank reported a Net Profit of ₹16,904 Crore with Total Income of ₹1,47,017 Crore, reflecting growth of 1.6% and 6.5% respectively. Global Business reached ₹29.70 Lakh Crore with CASA Deposits growing to ₹6.10 Lakh Crore. The bank achieved significant improvement in asset quality with Gross NPA ratio declining to 2.95% from 3.95% and Net NPA at 0.29%. The RAM segment (Retail, Agriculture, MSME) advances grew 12.1% to ₹6.76 Lakh Crore. The bank crossed ₹1 Lakh Crore in digital lending sanctions and recommended a dividend of ₹3 per equity share.
The bank demonstrated steady performance with improving asset quality and strong digital transformation. The 100 basis point improvement in NPA ratio and robust RAM segment growth indicate healthy business fundamentals. However, the lower RoE of 15.67% compared to 19.33% in previous year suggests pressure on profitability despite higher operating profit.