Punjab National Bank reports strong first-half financials for September 2025

Punjab National Bank reported a significant increase in net profit before tax, reaching INR 13342,22,24 for the half-year ended September 30, 2025, compared to INR 11834,14,59 in the previous year. The bank's total assets stood at INR 187680078 (standalone) and INR 192093516 (consolidated) as of September 30, 2025. Deposits also saw a substantial rise, reaching INR 161708027 (standalone) and INR 162913098 (consolidated) for the half-year.

The bank maintained a strong Provisioning Coverage Ratio of 96.91% as of September 30, 2025. Additionally, the bank is holding an additional provision of INR 117.24 crore on standard accounts restructured under COVID-19 Resolution Framework. During the quarter, the bank made a floating provision of INR 70 crore, with a total floating provision of INR 820 crore as of September 30, 2025.

Total cash and cash equivalents at the end of the period stood at INR 146335,65,97 (standalone) and INR 148,264.72 (consolidated). The bank redeemed Tier II Bonds of INR 994.00 crore during the quarter. The number of accounts restructured under the MSME Resolution Framework was 10,971, involving an amount of INR 1240.68 crore.