Punjab National Bank Reports Highest-Ever Operating Profit in Q1 FY 2025–26

Punjab National Bank (PNB) has reported its highest-ever operating profit of ₹7,081 crore for the quarter ended June 30, 2025 (Q1 FY26), underlining robust growth across key parameters, sustained improvement in asset quality, and increased digital adoption.

Business Performance:

• Global Business grew 11.6% YoY to ₹27.19 lakh crore.

• Global Deposits: ₹15.89 lakh crore (+12.9% YoY)

• Global Advances: ₹11.29 lakh crore (+9.8% YoY)

• Credit-Deposit (CD) Ratio: 71.09%

• Net Interest Income (NII): ₹10,578 crore (+1% YoY)

• Net Interest Margin (Domestic): 2.84% | Global: 2.7%

Asset Quality & Profitability:

• Retail and Priority Sector Growth:

• Retail Credit: ₹2.62 lakh crore (+11.8% YoY)

• Housing Loans: ₹1.18 lakh crore (+16.6%)

• Vehicle Loans: ₹27,229 crore (+25.3%)

• MSME Advances: ₹1.69 lakh crore (+18.6%)

• Agriculture Advances: ₹1.78 lakh crore (+6.2%)

Efficiency and Productivity:

• Business per Employee: ₹27.30 crore (up from ₹24.80 crore)

• Business per Branch: ₹257.39 crore (up from ₹233.26 crore)

• Net Profit per Employee: ₹6.98 lakh

• Net Profit per Branch: ₹65.80 lakh

Capital Adequacy:

• CRAR: 17.50% (up from 15.79%)

• Tier-I Capital: 14.62% (CET-1 at 12.95%, AT1 at 1.67%)

• Tier-II Capital: 2.88%

Digital Transformation:

• Digital Transactions: 294 crore (+32% YoY)

• PNB One Users: 2.23 crore (+19% YoY)

• WhatsApp Banking Users: 69.7 lakh (+105% YoY)

• First PSB to enable off-us Aadhaar-based onboarding

Financial Inclusion Milestones:

• PMJDY Accounts: 5.39 crore

• Social Security Scheme Enrolments (YoY):

• PMJJBY: 75.54 lakh (up from 65.39 lakh)

• PMSBY: 3 crore (up from 2.62 crore)

• APY: 48.11 lakh (up from 39.80 lakh)

Network & Reach:

• Branches: 10,209 (38.7% in rural areas)

• ATMs: 11,240

• Business Correspondents: 31,763

Awards and Recognition:
EASE 7.0 Awards:

• Winner – Risk/Fraud Management & Recovery

• 1st Runner-Up – Customer Service

• 2nd Runner-Up – Tech Adoption

• Digital Payments Awards 2023–24: 1st among PSBs – Ministry of Finance

• ICWAI National Award: 1st in BFSI for Cost Management

• Infosys Finacle Awards 2025: 2 Platinum & 1 Gold

• IBA CISO Summit: Cybersecurity Team of the Year

• Best Implementation of Official Language – Region A

Strong Social Media Presence:

• Facebook: 29.7 lakh | X (Twitter): 4.66 lakh

• Instagram: 8.96 lakh | LinkedIn: 1.86 lakh

• YouTube: 2.67 lakh | Threads: 40,104