Punjab National Bank has informed the Exchange regarding a press release dated July 30, 2025, titled "Press Release on the financial results of the Bank for quarter ended 30.06.2025 ".
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Punjab National Bank reported its Q1 FY26 results, posting a record operating profit of ₹7,081 crore. Global business grew 11.6% year-on-year to ₹27,19,276 crore, driven by 12.9% growth in global deposits to ₹15,89,379 crore and 9.8% growth in global advances to ₹11,29,898 crore. Asset quality improved sharply, with the GNPA ratio falling to 3.78% (from 4.98% a year ago) and the NNPA ratio dropping to 0.38% (from 0.60%). Profit before tax rose 28.3% to ₹6,758 crore, while total income grew 15.7% to ₹37,232 crore and net interest income stood at ₹10,578 crore. The capital adequacy ratio (CRAR) improved to 17.50%, and retail, housing, vehicle, and MSME advances all posted strong double-digit growth.
A record operating profit, meaningful improvement in bad loan ratios, and healthy 28% growth in pre-tax profit indicate a strong quarter, which is likely to be viewed positively by investors. Better asset quality and a higher capital adequacy ratio also strengthen the bank's financial position going forward.