Punjab National B's Q4 FY 2025-26 Quarterly Results

Result Summary

• Punjab National Bank reported a 2.7% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a decline of 1.1%.
• Its expenses for the quarter were down by 3.2% QoQ and 3.5% YoY.
• The net profit increased 0.5% QoQ and increased 11.8% YoY.
• The earnings per share (EPS) of Punjab National Bank stood at 4.83 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

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Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

Punjab National Bank (PNB) is one of India's prominent banking institutions, known for providing a wide range of financial services, including personal banking, corporate banking, and treasury operations. The bank offers various products such as savings and current accounts, loans, credit cards, and investment services. It operates in the financial services industry and has a significant presence in both urban and rural areas across India. PNB is recognized for its extensive branch network and customer-centric services. As of the latest available data, no recent major developments have been explicitly stated regarding the bank.

Revenue

For the fourth quarter of fiscal year 2026 (Q4FY26), Punjab National Bank reported a total income of ₹36,878.02 crores. This represents a 2.7% decrease from the previous quarter (Q3FY26) where the total income was ₹37,902.66 crores. Compared to the same quarter in the previous fiscal year (Q4FY25), there was a slight decline of 1.1%, as the total income then was ₹37,299.02 crores. These figures reflect the bank's revenue generation capabilities in the given periods, with considerations for both quarterly and annual comparisons.

Profitability

In Q4FY26, Punjab National Bank's profit before tax was recorded at ₹7,141.28 crores, marking an increase of 10.9% from the prior quarter's figure of ₹6,439.88 crores. On a year-over-year basis, there was a 9.6% rise from Q4FY25's profit before tax of ₹6,517.79 crores. The bank's profit after tax for Q4FY26 stood at ₹5,602.47 crores, slightly up by 0.5% from Q3FY26's ₹5,576.54 crores and an 11.8% increase from the previous year's Q4, which was ₹5,011.17 crores. The earnings per share remained constant at ₹4.83 from the previous quarter but rose by 11.3% compared to Q4FY25.

Operating Metrics

The total expenses for Punjab National Bank in Q4FY26 amounted to ₹29,356.81 crores, which was 3.2% lower than Q3FY26's expenses of ₹30,332.34 crores, and a 3.5% decrease from Q4FY25's expenses of ₹30,410.56 crores. Provisions and contingencies for the quarter were ₹379.93 crores, reflecting a significant decrease of 66.4% from the previous quarter's ₹1,130.44 crores, while showing a modest increase of 2.5% compared to the same quarter last year. The tax expense for Q4FY26 was ₹1,916.16 crores, a 53.3% rise from Q3FY26 and a slight 2.2% increase from Q4FY25. These metrics provide insights into the bank's cost management and provisioning strategies over the observed periods.