Punjab National Bank Posts 13% Jump in Q3 Profit, Asset Quality Improves
PNB Q3 Results: Profit Rises 13%, Income Up 7%; NPAs Decline: Public sector lender Punjab National Bank (PNB) reported a standalone net profit of ₹5,100.15 crore for the October-December 2025 quarter. This represents a 13 percent increase compared to the profit of ₹4,508.21 crore in the same period a year earlier. Total income rose by 7 percent year-on-year to ₹37,253.08 crore, up from ₹34,751.70 crore in the December 2024 quarter.
In the December 2025 quarter, the bank’s net interest income (NII), or core income, stood at ₹10,533 crore, a decrease of 4.5 percent year-on-year. The net interest margin declined to 2.52 percent, compared to 2.93 percent in the December 2024 quarter. Provisions increased to ₹1,150 crore, up from ₹643 crore in the previous quarter.
PNB’s asset quality improves: PNB’s asset quality improved in the December 2025 quarter. The bank’s gross Non-Performing Assets (NPA) ratio declined to 4.09 percent, compared to 3.19 percent a year earlier. The net NPA ratio also decreased to 0.32 percent, down from 0.41 percent in the December 2024 quarter.
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