Punjab National Bank Q1 FY2026 results: revenue ₹32,572 crore, up 11.8% on the year
Punjab National Bank (PNB) reported consolidated interest earned of ₹32,572 crore for Q1 FY2026, the quarter ended 30 June 2025, up 11.8% on the same quarter a year earlier. Profit after tax was ₹1,832 crore, down 53.9% on the year, and earnings per share ₹1.84. The figures are the company's own, from the un-audited results it filed with NSE on 30 July 2025.
The quarter, against the one before and a year earlier
| Line | Q1 FY2026 | Q3 FY2025 | Q1 FY2025 | Change on the year |
|---|---|---|---|---|
| Interest earned | 32,572 | 31,895 | 29,145 | +11.8% |
| Interest expended | 21,828 | 20,738 | 18,536 | +17.8% |
| Other income | 5,427 | 3,392 | 3,615 | +50.1% |
| Total income | 37,999 | 35,286 | 32,760 | +16.0% |
| Provisions other than tax | 345 | -403 | 903 | -61.8% |
| Profit before tax | 8,868 | 7,055 | 5,751 | +54.2% |
| Profit after tax | 1,832 | 4,801 | 3,976 | -53.9% |
| Gross NPA % | 0.0% | n/a | n/a | |
| Net NPA % | 0.0% | n/a | n/a | |
| Capital adequacy ratio % | n/a | 1.9% | 2.1% | |
| EPS, basic | ₹1.84 | ₹4.18 | ₹3.61 | -49.0% |
₹ crore except per share.
Segments, Q1 FY2026
| Segment | Revenue ₹ crore | Share of segment revenue | Result ₹ crore | Result over revenue |
|---|---|---|---|---|
| Treasury Operations | 11,876 | 31.3% | 3,553 | 29.9% |
| Corporate/Wholesale Banking | 14,269 | 37.6% | 2,841 | 19.9% |
| Retail Banking | 11,197 | 29.5% | 2,331 | 20.8% |
| Other banking Operations | 656 | 1.7% | 143 | 21.7% |
Segment revenue and segment result as the company filed them, before inter-segment eliminations; share and result over revenue are arithmetic on those.
Quarterly results, the last 12 quarters
| Q1 FY2024 | Q2 FY2024 | Q3 FY2024 | Q4 FY2024 | Q1 FY2025 | Q2 FY2025 | Q3 FY2025 | Q1 FY2026 | Q2 FY2026 | Q3 FY2026 | Q4 FY2026 | Q1 FY2027 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 25,673 | 26,858 | 27,852 | 28,682 | 29,145 | 30,447 | 31,895 | 32,572 | 32,513 | 32,889 | 32,798 | 33,589 |
| Interest expended | 16,064 | 16,820 | 17,444 | 18,206 | 18,536 | 19,790 | 20,738 | 21,828 | 21,858 | 22,164 | 22,219 | 22,583 |
| Other income | 3,360 | 2,999 | 2,676 | 4,294 | 3,615 | 4,664 | 3,392 | 5,427 | 4,171 | 5,013 | 4,080 | 4,365 |
| Operating expenses | 7,035 | 6,798 | 6,705 | 8,271 | 7,570 | 8,312 | 7,897 | 8,852 | 7,671 | 8,168 | 7,138 | 7,708 |
| Operating profit before provisions | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 7,319 | 7,155 | 7,570 | 7,521 | 7,663 |
| Provisions | 3,955 | 3,461 | 2,744 | 1,560 | 903 | 280 | -403 | 345 | 628 | 1,130 | 380 | 555 |
| Profit before tax | 1,979 | 2,778 | 3,634 | 4,940 | 5,751 | 6,729 | 7,055 | 8,868 | 8,269 | 8,688 | 8,408 | 8,993 |
| Tax | 768 | 1,014 | 1,382 | 1,839 | 2,035 | 2,297 | 2,406 | 5,141 | 1,678 | 1,250 | 1,916 | 1,769 |
| Net profit | 1,342 | 1,990 | 2,433 | 3,342 | 3,976 | 4,714 | 4,801 | 1,832 | 4,849 | 5,190 | 5,225 | 5,339 |
| EPS in ₹ | ₹1.22 | ₹1.81 | ₹2.21 | ₹3.04 | ₹3.61 | ₹4.27 | ₹4.18 | ₹1.84 | ₹4.46 | ₹4.83 | ₹4.83 | ₹5.06 |
| Gross NPA % | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net NPA % | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Filing | NSE | NSE | NSE | NSE | NSE | NSE | NSE | Filing | Filing | Filing | Filing | Filing |
₹ crore except per share, consolidated, as filed with the exchange. Quarters before December 2024 are from the exchange's earlier results feed, which carries the filed lines without the filing itself; the column links to the exchange's page for the company.
Source
Un-audited consolidated results for the quarter ended 30 June 2025, filed with NSE on 30 July 2025: the result statement. All of Punjab National Bank's results: NSE company page.
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