PNB Q4 Profit 5225 Cr: Punjab National Bank made huge earnings, announced dividend, know how this surge came?

Business Desk – PNB Q4 Profit 5225 Cr: Punjab National Bank (PNB) released the results of the fourth quarter of the financial year 2025-26 on May 5. The net profit of the bank increased by 14% year-on-year to Rs 5,225 crore, which was Rs 4,567 crore in the same quarter last year. In the last quarter this figure was Rs 5,100 crore. PNB’s profit for the entire financial year i.e. 2025-26 increased by 1.64% to Rs 16,904 crore. A year ago, the bank’s profit in the financial year 2024-2025 was Rs 16,630 crore.

Dividend recommendation of Rs 3 per share

Along with its results, the bank has recommended a dividend of Rs 3 per share for FY 2026. This represents a payout of 150% on shares with a face value of ₹2. The final decision in this regard will be taken after the approval of the shareholders in the upcoming Annual General Meeting (AGM).

Interest Income and Provisioning

The bank’s net interest income (NII) witnessed a decline in this quarter. On a year-on-year basis, it fell 4% to Rs 10,380 crore, from Rs 10,757 crore last year. The bank made a provision of ₹424 crore during this quarter. This figure is less than the previous quarter (Rs 1,150 crore), but higher than the same period last year (Rs 360 crore).

asset quality improvement

The asset quality of the bank has improved compared to the previous quarter.

• Gross NPA: It has decreased from 3.19% to 2.95%.
• Net NPA: It has decreased from 0.32% to 0.29%.
• CASA Ratio: The CASA ratio of the bank has increased to 73.7%, which was 71.28% last year.

Growth in global and domestic trade

PNB’s global business increased by 11% year-on-year to Rs 29.72 lakh crore. At the same time, an increase of about 10% was seen in domestic business, which reached Rs 28.45 lakh crore. An increase of 9.25% was recorded in the global deposits of the bank, which stood at Rs 17.11 lakh crore. As far as advances are concerned, they increased by 13%, reaching Rs 12.61 lakh crore.

stock market performance

Following the results, PNB share price fell 0.63% to close at Rs 108. In the last six months, the stock has fallen by 10%. On the contrary, it has increased by more than 14% in the last one year.

Knowledge Corner

NII: Net Interest Income (NII) refers to the difference between the interest earned on loans given by the bank and the interest paid on deposit accounts.

CASA: The ratio of total deposits kept in Current Accounts and Savings Accounts. The higher this ratio, the lower the bank’s cost of funds.