Punjab National Bank Makes Q3FY26 Earnings Call Recording Available Following Results Discussion

Punjab National Bank has made available the audio and video recording of its earnings call with analysts and investors, conducted to discuss the bank's unaudited financial results for the quarter and nine months ended December 31, 2025. The announcement was made through a regulatory filing on January 19, 2026, ensuring transparency and accessibility for stakeholders.

Earnings Call Details

The earnings call was held on January 19, 2026, at 4:00 PM IST, providing a platform for detailed discussion of Punjab National Bank's Q3FY26 financial performance. The session covered the bank's unaudited reviewed financial results for both the quarter and nine-month period ending December 31, 2025.

Parameter:	Details
Call Date:	January 19, 2026
Time:	4:00 PM IST
Period Covered:	Quarter and nine months ended December 31, 2025
Results Type:	Unaudited (Reviewed) Financial Results
Availability:	Bank's official website

Regulatory Compliance

The recording availability was communicated in compliance with Regulation 30 read with Clause 15(b) of Para A of Part A of Schedule III of SEBI (LODR) Regulations, 2015. This regulatory framework mandates listed companies to provide access to earnings call recordings, ensuring transparency in financial communication with investors and analysts.

Access Information

Stakeholders can access the complete audio and video recording of the earnings call through Punjab National Bank's official website at the financials section. The bank had previously intimated the stock exchanges about the scheduled earnings call on January 13, 2026, as part of its regular disclosure practices.

The communication was signed by Bikramjit Shom, Company Secretary of Punjab National Bank, and filed with both the National Stock Exchange of India Limited and BSE Limited on January 19, 2026.

1 Day	5 Days	1 Month	6 Months	1 Year	5 Years
-3.26%	+4.19%	+9.42%	+11.38%	+27.77%	+261.21%

Punjab National Bank has provided updated guidance on both its deposit growth expectations and Net Interest Margin outlook. The bank has revised its Q4 deposit growth forecast to 8.5%-9% from the earlier projection of 9%-10%, while maintaining its FY26 NIM guidance at 2.80%-2.90% range with expectations to stay above 2.70%.

Revised Q4 Deposit Growth Projections

The bank has adjusted its deposit growth expectations for the current quarter, reflecting a more conservative outlook. The revised guidance shows a moderation from previous estimates as the bank recalibrates its growth trajectory.

Parameter:	Current Guidance	Previous Guidance
Q4 Deposit Growth:	8.5% - 9%	9% - 10%
Guidance Adjustment:	Downward revision	-

FY26 NIM Guidance Maintained

Despite the deposit growth revision, Punjab National Bank continues to maintain its Net Interest Margin targets for FY26. The management remains confident in achieving the guided NIM range while ensuring margins stay above the established threshold.

Parameter:	Target/Range
FY26 NIM Guidance:	2.80% - 2.90%
Minimum Expected Level:	Above 2.70%
Strategic Focus:	Margin Stability

Strategic Positioning

The revised deposit growth guidance demonstrates the bank's realistic approach to market conditions while maintaining confidence in its core profitability metrics. The unchanged NIM targets indicate management's belief in sustaining healthy margin levels despite the moderated deposit growth expectations.

This dual guidance framework provides stakeholders with updated expectations for both growth and profitability parameters, reflecting the bank's balanced approach to managing expansion while preserving margin quality in the evolving banking environment.